Independent Home Insurance Reviews

The Personal Insurance Home Insurance Reviews

(6 reviews)
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Category: Policy Switching, Cancellation
(1.9 out of 5 stars)
Customer Service:
Value for Money:
Claim Experience:

After 23 years...

(1.0 out of 5 stars)
by Nat Jan 25, 2019
...After 23 years as our home and car insurance provider, when we were in the midst of moving, they took a partial month payment and cancelled our home insurance. Our credit report says they listed "failure to pay" as the reason, so we took a hit even though it wasn't true. No phone call, nothing. They claim a registered letter went out but we never saw a thing and we live in a secured building. They did send us the renewal though, so we still don't understand what happened. When I called and asked them to do the right thing, the manager said he would investigate and come back in 48 hrs. A week later, still nothing. We cancelled our auto insurance with them because of it. We are astonished. If I had not called with the new address, we would never have known what they did and would have continued to pay home insurance rates to them. Guess they didn't have a problem obtaining payment after all. Incredible that they get to do whatever they want without recourse. Clearly, someone made an error on the wrong account and rather than correct it, they let us go after 2+ decades...
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Customer Service Policies

(1.0 out of 5 stars)
by AH Jun 26, 2018
...I have been attempting to cancel my home policy with The Personal Insurance without success. Upon notification of my annual home policy renewal, I informed The Personal that I was looking for a new insurance provider and would not be providing my credit card details. They informed me that I would need to provide my credit card details if I did not get new insurance. I was able to find new insurance with better coverage at a third the cost. I received a letter noting that if I did not give my payment details by the specified date, my coverage would be cancelled. I was happy to receive this information as I had found coverage. As a result of finding new coverage and receiving this letter, I incorrectly assumed that was all I needed to do. That was my mistake as I now understand that I would need to call them again and tell them that my insurance was cancelled. I was contacted by The Personal and told my insurance had not been cancelled and that I needed to pay. I explained that I had insurance already. They informed me that they required a record of my new insurance but that they would cancel my insurance for the date of the phone call moving forward. Today I received a letter indicating that my insurance has now been cancelled and will end one month from today. As you can see this all becomes confusing but ensures The Personal still gets money from me. The total they are requesting is 1/3 of my new annual insurance cost with my new insurance provider. I am very frustrated with the process that they have in place. I asked to speak with a customer service manager but was told I could not do that until my file was closed. If it was me, I would use any other provider you can find. They are not worth your time or your money...
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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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cancelation cost me $140

(1.0 out of 5 stars)
by Sam Nov 17, 2015
...After reading article i cancelled my policy and to cancel they suck me out $140. I am glad i get out from this insurance company before i had any claim. The representative was making me feel horrible just to cancel my insurance. I just got TD insurance and had better experience so far then these crooks...
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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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