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I have dealt with the Personal for many years and it has, finally, come to the point where I am pulling all my business. They are the worst insurance company out there and their service is horrible. They won't insure a motorcycle that I've had for 4 years because I let my M2 license expire. I get that this was my fault and I have my M1 again, but that's not good enough for the "underwriters" at The Personal. How is someone supposed to do the Ministry test when they won't insure the vehicle that you're supposed to be tested on? When I said I'll be looking for a new insurance company the agent just laughed....clearly they have no concern for their customers.