The Personal Insurance Auto Insurance Reviews

My existing insurance was coming up for renewal, so I decided to look around in hopes of finding a more cost efficient alternative. I proceeded to contact The Personal since my husband is part of a group that they honour. Anyone that has gone through this process knows how time consuming, and invasive a process it is. The whole thing took roughly two days, due to a delay on The Personal side due to my house being valued at a certain amount. Anyway, once I was finally provided a quote, I reviewed all of the details and confirmed that all of the information that I provided and that I was informed was 100% accurate. Great, I thought, it was looking like I would be saving at least $40 per month switching to The Personal. After a few days of contacting other companies for competing quotes, I decided that The Personal was the one to go with. I called in to start the policy, and within the first 15 minutes of the call, I was informed that the quote I had received was incorrect. Basically, their agent had provided incorrect, misleading information and therefore they would NOT honour their quote. I was quite upset, since I had confirmed with the agent all the details just a few days prior, and was assured that all was good. Yeah, right! What a total scam! As you can imagine, I decided I would NOT go with The Personal after all.

DO NOT GO WITH THIS INSURANCE.
This insurance company is the worst of okay ones.
A deer crossed me December 01, totaled the car. It took them over two weeks to tell me that it was a write off. Initially they only wanted to cover two weeks worth of rental but I spoke to some lady after trying to reach my agent enough times without success and it got extended by one week, I returned the car December 21ish and that's when the policy should have ended according to what they said December 1st.
Then they only offered me about 90% of the market value of the car, I wrote a proper letter with a regression line graph to show what it should be worth, still I didn't even heard if someone read it. Then someone said if I hire my own appraiser I could get a better offer, I looked into it and it wasn't worth it as the cost and risk didn't make it worthwhile, 90% only left me about $700 to pay for the appraiser, and if they said yes I would only regain some $200 after the cost of the appraiser… they play around too. So after I had enough I accepted their offer, now keep in mind during this period of time I tried reaching my agent between 5 and 10 times, only one was successful and only once he called back and i left a message every time with the proper information.
So I got a check around February the 22nd about a week after I accepted their offer.
Now more trouble with these guys as they were committing INSURANCE FRAUD, they were charging me since December 30th every month for a car that was written off, they automatically renewed my policy without asking me and to make it better they jacked it up by $20/month. I’m a pretty busy person so I was hopping they would fix it on their own but after they didn't it took me three calls. The first the agent pointed out there was some “confusion” and that I would be getting back some $3xx.xx dollars to my back account, however their charges up to that point were in excess of $500. So I called the next day and they "couldn't find" my file but I stayed on the line until they did and as turned out, they "couldn't transfer" me to their accounts department. So I called a third time directly to their accounts department. This time they said that I was supposed to call them and cancel because they had no knowledge that I had written off the car... NO KNOWLEDGE!!!
In the end they kept saying that it was my fault for not letting them know the car was written off, and that they had no knowledge in accounting. So in the end they didn't admit to insurance fraud but accepted to deposit the money in whole in two payments, this is what you should expect from these guys, they can't even give you back the money they wrongfully took from your bank account in one payment.
My new insurance offered me $20 off, these guys would have jacked it up $20 - because a deer crossed me.
You might get $5 off/month but the headache is not worth it. I can only image if I had been at fault in a collision with a car. DO NOT GO WITH THIS INSURANCE!!!

I had 3 vehicles insured with these bandits. First tip as to what they were like was when I called them, they seemed to have only voice-contact back office in India - would never confirm info by email. Second was when the company behind this brand, Desjardins, started pushing the 'get a 25% discount if we put a tracker into your car so we can spy on your ads. Turns out they just want to spy on their insureds so they will have reasons to increase premiums or deny coverage. I didn't fall for it. Next, when somebody rear-ended me, they had my bumper fixed but required me to drop off the rental car 50 miles from where the car repair facility was. Turns out I could have dropped it off at the repair facility - but they didn't tell me, so it necessitated huge inconvenience. When I picked the car up, it wasn't right but as it was 10 pm and in a scuzzy part of town, I didn't want to leave it. Not everything was fixed, and something that had been repaired by a garage just prior to dropping it off at the repair facility was broken. And a part that had been damaged in the accident had not been repaired. I telephoned the claims person and left word but they never called me back. EVER... OH YEAH, in the daylight I noticed that my car was covered in yellow crayon marks that the body shop ( one 'authorized' by Desjardins) had put on all the little paint defects, scratches, etc and marked them up - presumably photographing them for Desjardins so that if any of those parts of the car ever were involved in an accident, then Desjardins would be able to escape paying to fix these 'pre-existing' dings. SHEEESH!!! I have never dealt with any company that was so sleazy, underhanded, untrustworthy, and suspicious. When I reported the accident, they tried to get me into one of their doctors - no doubt so their paid lap dog could declare I didn't have any injuries - and really pressured me. They also did not advise me of my rights to have them pay for physio, etc. They are, in my experience, con artists who make sure they always take advantage of the un-advised and un-aware. Later they sent a letter saying they had advised me of those rights - an outright lie...BEWARE!!! WHEN you call their line, listen to their recorded message - it basically says if you stay on the call you give them permission to spy on you and post what they find on sites that other insurers can access. I find them absolutely awful, and the worst company I have ever dealt with.

After having insurance with The Personal for more than 20 years I was involved in an accident. They could not determine who was at fault, so I was forced to take 50 percent of the blame, even though they said the other guy driving a company vehicle would never admit to wrong doing or he would loose his job. I have never had any type of claim or tickets, insurance rate has almost doubled!!! no wonder so many people drive without insurance. No on has accident forgiveness, it does not exist. I have tried to get other insurance, no chance to move once you have an accident, you are a marked target.

Unfortunately this site doesnt have an option for zero star. I have been insured with the personal since 2010, and last week was my first claim ever, someone rear ended me, although they say they have 24/7 claim service but thats bs...I called them at around 11 pm (from the OPP reporting centre) a representative answered, took my name n contact info and informed me someone will call me the next day to get all the details... I asked questions about my coverage, he replied cuz it's after hours, he didn't have access to my policy info n was unable to answer any questions...Hello so whats the point of staying open just to get down my info... Then when i spoke with the claims rep, i gave him all the info for the drivers involved etc he then told me the adjuster will call me to discuss further... I wait... Guess what?? Nobody calls me back!!! I have to call them and find out status of my claim... Then i was advised that my car was a write-off... Then the next day i call again re: status of my claim, the other person talks about repairs etc... I tell that person, please read my file, my car is write-off, why are you discussing repairs with me? I always have to call them..even when i talk to them all the reps are illiterate and ask me dumb questions, then my adjuster asked me for a police report, she confidently told me its ready and i have to pick it up from OPP, cuz if they order it, it takes them weeks... So i call OPP to find out if my report is ready, they tell me police report takes 10 business days and there is no option for us to pick it up, they would mail it which takes an additional approx. 5 days... Basically i was given fake information, as a client when we dont know about how things work we rely on our service provider and trust what they say to us... As for the past 6 yrs they have been taking money from my bank account, and now in return instead of service, i am getting nothing!!! my policy is due on June, there is no way on earth i will be renewing it with them, even if elsewhere is expensive but there is peace of mind, i definitely will choose peace over a few dollars!!!

I should have read these previous comments before I get the personal insurance. They looks pretty slow. Whoever handle my case (taria) they said on vacation I call more than two times no body get back to me. If one person or two on vacation who cares do I stop paying my payment when I go vacation. I called them again today looks like they haven't even started yet . They should not even tell me somebody on vacation coz it's not my concern . Someone should have taking care of each customer weather on vacation or ... I am worried how I proudly recommend to another person about this company

Not worth it to go through to this company even cheap payment but no peace of mind if you have claims,

I got involve in an accident, it's not our fault on the first hand, but the adjuster never to be on our side, being rude, impolite, and aggressive. Everytime i talked to him feels like he's on rush to end the conversation.Matthew S. if this is your adjuster heads up
They never call you for update, I was left hanging figuring out what is happening, I am the one who always contact for follow up

Even in car rental they will not pay they will tell the rental comp. that they will give the final date, even my car is not fix. Ending up I am gonna be charge by my own pocket!!

So sad, worst ever, I will change insurance after I get my car

As a repair facility we have a lot of insurance companies we deal with. Most actually care about their customers. the Personal adjustors have the worst attitude with customers and repair facilities hands down. Even their company appraisers dislike working with them. They us the cheapest parts they can find, nickel and dime repairs, refuse to return phone calls in a timely manner and blame the repair facilities for any delays. No email addresses are given to the repair facilities to correspond back and forth therefore leaving everyone waiting for instruction.

As a repair facility in business for 35 years I would like to say that buying insurance is much like buying anything else, you get what you pay for... In the case of buying insurance written by the Personal you most likely will be disappointed if you find yourself having to use your policy. The repair facility can only do what the insurance company you have allows...

Please never going with this company !! Why ?? Because of I've been more than one year and half with them with no claim also two car insured with this company ,last week my wind-shield is broken with rock but they didn't pay me !!!! this is their rule for full cover option !!! I said to their customer service what's the meaning of full cover option for cars and they said if your wind-shield broken by fall a piece from aircraft we will pay you but not for ROCK !!!!!!!
Now I'm scare for future days and don't sleep because of I need my car for this weekend and will change my company as soon as possible , and I was lucky to know them with wind shield not with serious accident !!!

I had a simple comprehensive claim. 8 weeks later, and the local repair shop still has not been paid for repairs made to my car. Every time I manage to speak with someone at The Personal, they have a new excuse as to why he hasn't been paid. They have made mistake after mistake and while very apologetic, they just can't get it right. You can leave message after message and no one will call you back, ever. I am pulling all my insurance from them as soon as possible. The rates are good but not worth it. What if I had a more serious claim? I can't sleep at night worrying about this now. Don't ever take insurance out with this company. Their customer service is 0 out of 5 stars and they are extremely incompetent.