The Personal Insurance Auto Insurance Reviews

I have been a customer of the Personal Insurance company for almost a decade now. I am a member of the Canadian Armed Forces (CAF), and this insurance company advertises itself to the CAF community that it takes extra care of the CAF members. I put in a claim for a car accident and after a week it was still radio silence from the claim adjuster. Every time I called the claim adjuster I got a voicemail that she would call back and she never does.

My car insurance premium has increased by 20% for year 2018 for royal customer like me, 8 years with them. I had a not-at-fault accident 5 years ago. I was told by someone in the Personal that it was not my fault and no big increase in premium. Since then, my premium has increased around 4% every year, which I considered was a reasonable increase. When I called them to discontinue my insurance, I was told that they put me at fault for the accident and threatened me that other insurance company will ask for high premium.

The Personal insurance seemed like a fairly priced insurance company. The over the phone experience was pleasant when I bought my policy.

When I signed up the representative offered me the depreciated value insurance and wasnt too expensive and so I opted in. When I made a claim the rep was very reassuring since I was pretty shocked over the experience.

When I needed to replace the whole vehicle the company said that I was never eligible for my Depreciated Value Insurance because my vehicle was purchased as a used vehicle that had only 13000 km on it. To qualify it needs to be a brand new vehicle or it needs 12000 km on it. For the difference of 1000 km they were going to disqualify my benefit.

They offered me 16000 for the vehicle when the vehicle had 19500 left to pay for the vehicle. I had to fight not only for the money but also we had the constant fight to get ahold of eachother. After winning my arguement they honoured the Depreciated Value Insurance I purchased and gave me 19000 after deductible of 500 was paid. Which I took before they changed their minds.

After this claim I cancelled the policy but that didnt stop them for starting a new policy without my permission and charging me 400 some a month straight out of my account. I got my money back but seriously after this experience the headaches arent worth it. Im with Belair Direct and have no issues. Save yourself the trouble and pass by this insurance company.

It has been hard to get to my actual adjuster.... many people step forward claiming to be from the insurance Co but are really subs or vendors the Insurance Co would like you to deal with. Once I twigged to this... and started speaking directly with my adjuster... promises began being made re appointments that were not lived up to. When I ask to speak with a supervisor I was told "paperwork has been initiated to have a supervisor contact you".... one week later and I'm still waiting. I don't think the Personal is the way to go if you like responsiveness in a service provider.

I was shopping for car insurance, as my former insurer was getting too pricey. The agent at The Personal seemed nice enough, and the rate was oddly much lower than any company I had called, including brokers, esp for the area I live in and the car I drive. However, when asked if he could send me a copy of the quote detailing the premium along with the principle amount I would be paying for each type of coverage, he stated,

"Sorry, we can't do that. You need to sign up first, then we'll send you all the paperwork to review."

Shouldn't you send me everything first so I can REVIEW it and THEN sign off on the documents? Why would anyone sign up for insurance first and then look over the documents? That makes NO sense! Even with the lowest premium, their conduct of business seemed odd and when I inquired with another company, they said that what they asked of me was ILLEGAL!

I felt the agent rushed me just to sign me up.
Needless to say, I had to go with the 2nd best option I had.