The Personal Insurance Auto Insurance Reviews

After 20 years with them, 2 small claims were paid and the third major claim (over 30,000$).
With the new car replacement scam they have, they paid nothing and cancelled all my insurances because I complained that I will take them to the court.
I transferred to another company and I found out that I was over 20 years client of them and they were charging me almost double.
Don't register with them.

This company is TERRIBLE! My wife was SIDE SWIPED by another driver. She was in her lane, she was in control when another vehicle lost control. Another driver then lied to her insurance company coming up with some out of this world story about would my wife apparently lost control in the completely opposite direction she was travelling and they were both at fault... I talked with an accident investigator and he said what she told her insurance company was a physical impossibility. I told this to the Personal and they basically told me to get over it. They are the WORST insurance company I have EVER dealt with in my 16 years of having insurance! Stay away, stay FAR AWAY from this company. They're happy to take your money and happy to do nothing to represent you at all!

We only claimed $385 for an ambulance and then when we are about to transfer to another company we discovered in the claim description that we've claimed $3,001! That's how greedy they are! Then when I spoke to the claim agent, he yelled at me on the telephone, what horrible customer service! You need to stay away from this insurance company at all costs!

Like many other comments, I have had similar experiences with this company regarding filing a claim. To make a long story short, while on vacation out of province my vehicle was hit while parked. This company should hire me to work for them seeing as I had to do the majority of the work for my claim myself. Including when booking my return flight back after being hounded on short notice to pick my vehicle up from the garage. So after working nights and travelling provinces, I arrive at the approved repair garage to find out my car still requires repairs. I contacted the person who offered no solution or even any sense of accountability since they limit your choices for body shops. This is a warning to others if you have a new vehicle do not use this insurance company, they don't care for their customers (car members) they are only out to line their pockets off of the Canadian military. The only reason why they even have a star on this website won't let anyone rate them lower.

Signing up with The Personal Insurance company is the biggest regret of my life. If you ever have a fraudulent claim submitted against you, do not expect this company to use common sense or help you fight the claim at all, even if it is well documented and completely obviously a fraud. My representative refused to help me at all, gave me scripted answers, refused to answer pertinent questions, refused to pass me onto a manager of any sort. Once the situation was finally escalated to someone higher, I asked that communication between us be documented via email so that I had a paper trail - that manager stated that they do not provide email communication and told me they would only speak to me over the phone. I'm facing a major increase in my premiums, but The Personal Insurance wants to operate via he-said-she-said. A quick Google search shows very low ratings and a recent lawsuit they lost. Honestly, go with a better company even if the rates are a little higher - at least your insurance (which affects quite a bit of your life) will be in competent hands and you can avoid this kind of nightmare.

Signing up with The Personal Insurance company is the biggest regret of my life. If you ever have a fraudulent claim submitted against you, do not expect this company to use common sense or help you fight the claim at all, even if it is well documented and completely obviously a fraud. My representative refused to help me at all, gave me scripted answers, refused to answer pertinent questions, refused to pass me onto a manager of any sort. Once the situation was finally escalated to someone higher, I asked that communication between us be documented via email so that I had a paper trail - that manager stated that they do not provide email communication and told me they would only speak to me over the phone. I'm facing a major increase in my premiums, but The Personal Insurance wants to operate via he-said-she-said. A quick Google search shows very low ratings and a recent lawsuit they lost. Honestly, go with a better company even if the rates are a little higher - at least your insurance (which affects quite a bit of your life) will be in competent hands and you can avoid this kind of nightmare.

I had a claim which is in process for one year, still, don't get any response. Though I gave all my information and details, they call once in 2 months and they still leave a message saying that we need some information from you. The worst experience with this insurance. Waste of money and time on this.

I was hit by another driver who was on his cell phone. Because I'm the only one that saw him and the way the cars were parked, my insurance went up. It went up 600 percent! That's right 600 percent. I cancelled right away. And pay 1/2 the price I was paying with them before the accident.

Never had a claim of any kind. I was hit in a parking lot and put in a minor claim for $3000. The claims advisor with Desjardins assigned to my claim has never responded to any of my email inquiries or voice mails. WATCH OUT on Rental Car Coverage with this company. I have $1500 of coverage and my policy states "In return for the premium charged, we will reimburse you for the reasonable expenses of renting a similar substitute automobile." They will only authorize a regular rental car, not a luxury class car if that's what you drive. In my case, I am issuing a formal complaint regarding this. I need a rental car for 10 days. A luxury rental would cost $57/day for a total of $570 vs $40/day that they are authorizing. They simply will not honour their own policy wording and provide a "similar substitute" vehicle. They will lose 2 auto policies and one home policy over a difference of $170. Claim cheque issued was for the incorrect amount. They are claiming due to some kind of transposing error on entering the appraiser's estimate into their system(s). Terrible experience with this company when it counts - on a claim. Would NOT recommend them to anyone.

We were in an accident that put us at 100% fault in a parking lot when it should have been a 50/50 - we were rear-ended when our car was not moving. We had an adjuster that was always on vacation, in a conference or out of office. We were passed around by several different people who knew nothing of our claim and had to read notes and have us constantly re-explain everything. When we tried to speak to our adjuster via email and by phone (left several messages) we were completely ignored. Some of the adjusters we spoke to were rude and unfriendly and we did not have a good experience with them either. Very unprofessional and highly dissatisfied with the service. Overall we would have rated them a negative if possible.