The Personal Insurance Home Insurance Reviews

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.

We saved approx. $500 by switching to the Personal from another carrier, and we are incredibly sorry. Was originally told to contact their preferred contractors to arrange a repair. After unsuccessfully trying to contact them, the Personal decided they would finally help me - a full month after my claim had already been started. The contractors that they use for claims obviously work with other insurance companies, and from my experience and understanding - the Personal is last on their lists. Nobody from the Personal ever follows up on your claim, if you want anything done with them, you have to constantly call them and their preferred contractors. Takes over a full week to be able to speak to a manager. Spend a little more money, and get some good home insurance.

My house was recently damaged by wind storm. I couldn't reach anyone until the 3rd day I called. Then I didn't hear from the adjuster until 2 weeks later when I called. 3 weeks on I'm still waiting for the contractor to come and check on my house (I've been calling the adjuster every 3rd day). Very good customer service when they want your money, not so good when you try to file a claim. I'm changing insurance company after this.

Smart people learn from others and less smart learn from their mistakes. I know I am not smart. But you can be. A while back someone said, "you only know if you have an insurance (of any kind) when you make a claim". VERY TRUE! My first claim in 10 years and after 10 days (5 phone calls and few emails) of my initial claim I have no answer on status of my claim.

Doesn't anyone at the Personal speak English? I am sick of dealing with people I have to talk down to like a 3-year-old. I send emails and I get "Please call one of our experts" blah blah blah. The last person left her extension but not her number and the number recorded was just for outgoing calls. Give us a break or we will find someone else to do our business with.

I had been a Client with the Personal Insurance company for over 15 years, I tried to process a claim in February of 2013, My adjuster was one Ed D. Ed never called me once or made any effort to process the claim, he returned no calls. He had tasked Claim Pro from Calgary to handle it. I at first was not satisfied with their efforts but after I spoke to the Office Manager Scott B., I was informed that he could help proceed certain aspects of the claim, he was told by Ed not to do anything that could bring this claim to a satisfactory conclusion. Only when the claim had reached 2 years, did he finally reply. I contacted my Ombudsman and was informed that although I was incarcerated, I had given instruction to handle the claim through my sister Sharon N., who has Power Of Attorney. She was never once contacted and only at this point after going to Ed D.'s supervisor, I was given an extension for his disregard of his duties as an adjuster on the said claim. Now I once again have been told by Ed D. that after providing a loss of statement in the office at Claims Pro in Calgary, not only did I not provide a Loss of Property report, I had not provided a Police report. I have since tried to obtain a police report and now once again have been informed by Ed D. that he can do nothing for me. I must say now he finally has learned how to reply to my Emails.

We went on vacation and on our first day away we had flooding in our basement when the power went out and our sump pump didn't work (this is how we found out our battery backup was also pooched). Luckily we had a housesitter. We weren't worried because we assumed we had groundwater coverage. Come to find out that's optional and we didn't take it at the time because the policy was taken out before we took possession of the house. We were just told by the Personal that it isn't their job to review our policy with us (this is years later). So whose job is it? They'll take your money but will fight you on covering you.

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.

Recently, first time ever I file a claim with The Personal due to the water damage. As always told/believed, you only find out about insurance when you make a claim and I experienced it when told what is covered and NOT covered. Anyway I went with their assessment. They deal with Paul Davis Systems who carried out the assessment. What a joke -
the guy showed with nothing and had to borrow a step stool and a ladder to look for issue. Also called and provided the feedback to claim adviser which, I am sure, was commented as a standard apology and surely ignored - never will make it to the next level. So far very unhappy!

My basement is flooded for 13 days today. No adjuster visited it yet even after leaving numerous vm & email. No one should go through this horrible experience after paying to them all these money. No excuse for this kind of irresponsibility.