Independent Home Insurance Reviews

The Personal Insurance Home Insurance Reviews

(11 reviews)
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Category: Billing, Payments
(1.9 out of 5 stars)
Customer Service:
Value for Money:
Claim Experience:

worst experiences ever

(1.0 out of 5 stars)
by fedupcustomer Oct 25, 2017
...These people must truly want their customers to go elsewhere. A recent basement flood led to the worst customer (non)service experience possible. They contracted out the claim so we had to deal with someone not at the Personal. This person conducted a recorded interview, making us feel like we had purposely flooded our own (unfinished!) basement for some sort of gain. The assessor sent from Paul Davis systems turned out to be inadequate (despite the Personal having dispatched them) and we never got to see their full estimate. We had to provide 2 others, from companies we contacted. Delays in service caused further damage, and the Personal refused to cover more than about half of the clean-up and repair work (they would not cover us for the amount in our policy, but only half; very petty considering it was a relatively small claim), leaving us on the hook to cover the costs. To add insult to injury, they tried to issue payment to one of our service providers, instead of us (the customer), when we had already had to pay multiple different people involved in the clean-up. Never, never, never deal with this company. They should not be in business as they are unprofessional and not dependable...
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Don't Insure with this company

(1.0 out of 5 stars)
by insuranceuser Feb 02, 2017
...My entire basement flooded and I had flooding insurance, and it was a nightmare with the adjustor who didn't send in the paperwork, and the company was difficult, wouldn't call me back when I left messages, and wouldn't call me back PERIOD! It took a year of fighting with them to honour my insurance, and they kept telling me "you know, you're just lucky to have this insurance." I told them I paid for that insurance, and they said "well, yes, that's true." I had to get their ombudsman involved their service was so dishonest and poor. I had over 30k damage and fought and fought with them. Then my car was hit by lightning, messed up the electrical and blew out a tire, and they told the garage that I was probably lying! This was AFTER they took photos of the tree it hit first and the trench it dug when it moved to my car and hit it. My car was almost brand new. The garage said they had never had so many problems with an insurance company. I cancelled my insurance immediately on renewal and went with Allstate instead. Have never had a claim since, but the Personal Insurance Company was absolutely awful. I actually thought I might have a nervous breakdown dealing with them over and over...
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Horrible ongoing experienceOMG

(1.0 out of 5 stars)
by chitudaya Jan 26, 2017
...We are struggling with this company ever since we switched it. We were with TD just before the fire and not sure why we changed-the only reason was I was with Nexen-CNOOC ltd and the Company recommended them to be used. I should have thought about it but who knew that we have to flee the Fort McMurray residence due to wild fire?? To save the insurance claim amount we adjusted ourselves to a Single bedroom apartment donated by a good samaritan at Edmonton for a family of 5 but Insurance is questioning that nominal rent as well. They delayed from May till End January without doing anything but when we did with our own contractor the things are being questioned. I lost my job in September last year and struggling to pay the contractor and to also maintain my family here. The shingles were replaced due to amber marks but insurance is questioning that. How can a visual assessment could reveal the condition? Also, the siding is replaced all the sides but Insurance is agreeing only for 2.5 sides-not sure what is the basis for that as all the sidings are visible from the road. Inexperienced and incompetent adjusters dont know any bit of the home claim and giving hard time for my family. Horrifying and terrifying experience. Don't even think of this insurance if you want mental peace...
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If only I knew then

(1.0 out of 5 stars)
by forshame Jul 05, 2016
...So, you are looking for Ins. Look else where. My home was broken into, March last year. Dealing with this Insurer has been a very bad experience. Feels like I have been treated like Trailer Trash. No offense use to own one myself. In my opinion if my house was paid off and I had 200K $ in my account I would not be here. When you talk to them it seams like they feel everyone is out to fraud them. That is not me, it is them. They send this person out to take my Schedule of Loss, during this I tell them of the 4,250$ speaker cables taken, she says like sure you have 4,250$ speaker cables, produce receipt, then she says who buys 4,250$ speaker cables, I respond the person who can afford the 8,000$ set. Understand we are talking about a very expensive system in a moderate priced home. I produce receipts, boxes, manuals, pictures, all not good enough, must show money coming out of account. Okay fine, give all ask for papers. Then they say, I may have to take Lie Detect Test (at best 85% accurate, does this mean they don't pay 15% of claims+) nice angle for them. All the way though this process they are constantly throwing little insults at me as if I am trying to fraud them. Every time they say something to me on the phone that I feel is not right I call a lawyer, phone them back, they say we didn't say that. Tell them what the lawyer said, they say he didn't say that. (deal with these guys only by e-mail, at first they will say you can't, it was only when started to treat them like they treated me did they only wanted to deal with me by e-mail ) Then they say you can't talk to a lawyer, if you do then we can't talk to you we have to deal with him (well no, I can talk to a lawyer, I can't hire a lawyer then talk to them. It is all half truths with these guy's). Six months into my claim I find they have done a credit search that is when in my opinion that they wanted me to get or feel like I require a lawyer. (One lawyer said that is only because they want me using up my savings now that they know this will aid them when it comes time to pay meaning you will be more likely willing to except cash value instead of replacement value, about a 50% savings to them, like praying on the weak, do not be taken by this tactic) Question every thing they say, it all has an angle or agenda. This company in my opinion is all about how can we get out of paying by any angle possible. When they say don't do something, question it, it is likely in your best interest to do just the opposite, especially after they turn off the recorder and talk to you like they are your buddy and they are only looking after your best interest all they want is your money and to keep it. 500 words later all I can say is if you are with them leave them before you need them. If you are not don't no matter how much you may save. Lower than 1 star...
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FortMcMurray Claim-Disaster

(1.0 out of 5 stars)
by Udaya Ganapathy Jun 17, 2016
...I have sent many many reminders about our claims and the subsistence money for me and my family. All other insurers call everyday to find what's going on and the welfare of the family and kids in this situation. They pay out immediately and booked accommodations for the family and kids. They paid every two weeks 2500 for the living expenses. I have never received any money than the 5000 initially received 75 days before and that is long gone. I requested many many times to take care of us in this situation- the whole world is taking care of the Fort Mac evacuees EXCEPT the Personal Insurance. I am cursing The Personal and Stephen F. from the bottom of my heart and my whole family is calling him a Big Cheat . We made many requests and provided many documentary evidences but no money is coming. Why is it? Is it for this treatment I switched the company?. The contractor arranged by The Personal are not showing up properly and the project manager shuttles every Friday through Sunday in lloyd minister. Many works are pending. How can we bring our Family here?? Why are they like this? Don't they have heart? Don't they have children and family? What advantage they have by making us Suffer? Not sure if this feedback will at least have an effect? We committed sins in our life to get an adjuster from The Personal who doesn't understand the family- down with him- let God take care for The Personal's sins. I sent an email to the CEO, Sylvie as well about what the adjuster has done to us till now...
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beware if you claim

(1.0 out of 5 stars)
by faithful 25 years!!! Apr 20, 2016
...been insured with the personal for 25 years. home and 2 automobiles.Had water damage from a copper pipe fitting that dripped behind a wall and down through the finished basement ceiling onto the carpeted floor. called the personal thinking that after all these years of not one claim against my policy and faithful on time payment the would help me out. Wrong!!! they send out an adjuster with a man from an emergency restoration clean up company, take some pictures and tell me not to do anything because there could be mold now. they tell me to tarp off the room until the so called mold can be removed by specialists. 1 week goes by no help from the personal. 2 weeks go by no help from the personal. In the third week they finally actually take my call just to find out they are denying my claim because in their opinion I should have done my due diligence and thoroughly inspected my home to ensure all things are in good working order on a daily basis. they told me to contact the plumber from 25 years ago a make a claim against him. there was never any mold when the adjuster made the site visit but after 3 weeks of taking his advice of tarping off the room mold had set in. mentioned this to the adjuster but he didn't care. also advised him that over the last quarter century I have probably paid them in access of $50,000 with no claims, again he didn't care. very disappointed with this company as I felt I was a faithful customer. My lawyer said I could make a case about the miss directed advice about the mold but this meant spending more money, repairing the damage to my home cost enough.Do yourself a favor and get quotes elsewhere. they are only in it to take your money , not to help you...
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Cancelled all policies

(1.0 out of 5 stars)
by Shop around !!! Jan 12, 2016
...Slightly over 25 years ago I started purchasing automobile and house insurance from The Personal. Recently I have started paying attention to on-line quotes of other companies. I have noticed that competitor rates seem reasonable while my annual rates with The Personal continuously increase year after year, without ever making any claims on either of my houses, my car or my motorcycle. Recently I sold my motorcycle and canceled the insurance. The Personal charged me $70 to cancel my motorcycle insurance even though I continue to pay thousands to cover the houses and car. I raised this with their absolutely horrid Internet Customer dis-Service Team ..... to bad, so sad, company policy to charge when policies are canceled. WTH ??? I have now cancelled both house policies and the car policy. Found lower rates elsewhere, and hopefully will be with them for the next 25 years. Beware of The Personal Insurance company !!!...
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A JOKE (Car & Home)-stay away!

(1.0 out of 5 stars)
by honestman Sep 01, 2015
...I've been insured with this company for the past 7 years and I'm glad they ended my policy 36 hours after I relocated to a different city (36 hours !!! seriously!???). I tried to claim a damage once, and it was so horrible that I decided to pay for the damage myself than experience the frustration they gave me. The coverage looks so shiny and nice but it's just papers. In reality, you have no insurance and they're simply ripping you off. Also, they can come up with 100000 reasons to suspend your policy (I moved to a different city and called them to ask them if my vehicle's policy can be paused - they pulled the plug on me and canceled my home insurance) - I've never made any claim in my whole life (Tried once then never proceeded because of the horrible experience)...
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Horrible Claims Management

(1.5 out of 5 stars)
by applespailey May 21, 2015
...I have been a customer/policyholder of The Personal for 12 years and made my first home claim due to the Nov 2014 wind storm in the Oakville/Burlington ON area. The claims management experience has been a nightmare! Little assistance to help the policyholder through a stressful process, ridiculous policy on covering damages/expenses incurred because of The Personal and their service providers' incompetence, and to top it all off, a painful process to even get funds forwarded in order to pay service providers for those expenses they DID accept!!! Unbelievably bad customer service skills, adjustment/claims management process and expense reimbursement. I am beginning to believe that the favourable rates (mostly due to a group plan) are just not worth it. Stay away for the claims experience alone - believe me! If I could choose NO STARS I would...
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