The Personal Insurance Home Insurance Reviews

I own my house for more than 25 years. Never had a claim. Without putting too much information here, I've made my first claim a few weeks ago. At this point, the adjuster (very polite) is trying to find loopholes on how to reject the claim. The amount claimed is really small, a few thousands of dollars when my deduction is fairly high. Almost not even worth doing it. It seems that they put all their resources on how to reject my claim. I pay over 6k a year on my home/car/bike just to find out that I'm not insured. I will move on to a reputable company. YES - their policy is a bit cheaper but at the end... are you really insured?

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 !!!

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)

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.

My husband and I thought they were great insurance company for first time house owners, we were wrong! First off, we had a big storm back in 2011. It destroyed our shed and when the power was off, most of our food from our freezer rotted. We were told we would only get 400, yesterday I went to a new insurance company and found out our claim was 2,400! They lied to us about how much our claim would be! Who does that?! Secondly, they jacked up our house insurance WITHOUT sending any renewal form! I was told 3 lies, it was 'apparently' sent june and then aug.. and then sept. I didn't receive anything! They took money out of my account that was not agreed upon, they did it without me receiving any renewal form! They are awful! They don't even have any email! Please do not go with them; the woman that I talked to talked to me as if I was 2 years old. Just horrible!

Extremely unhelpful, rude and appalling at returning calls. Spent 2 ,months trying to get coverage. Poor value for money also

I bought 2 houses. Then the agents start being panic. Then they start calling me asking "Which house would be your principal residential"...

As owner of two houses( of course with mortgages ), I don't know exactly whether to sell my old house or rent it..... So each time I answered the agents with words comes to my mind...

Then the funny thing starts, they treated me like I'm lying and making a fraud or something... The agents event ridiculously talking to me in a judge's tone.

Then funny enough they finally charged increased my first house insurance from $8xx to $13xx..... and categorize the first house as "Seasonal dwelling"

I was a customer of both home owner and automobile insurance for almost 8 years with this company. They cancelled my home owner's policy one summer while I was on vacation for an extended period of time because the credit card they had on file for automatic renewal had expired without my knowledge. When I contacted them months later, they refused to reinstate my policy and then refused to create a new policy for me because I told them I would be moving (and their underwriter said it would be greater risk). They could care less than I had been a long standing customer with no claims for my homeowners insurance. For my auto, they hiked up my rate by almost $30 a month for a claim that was not my fault. Good riddance Personal, you are anything but!

The Personal Insurance Company (Desjardins Group) – I have auto insurance with this company for last 12 years and house insurance for last 10 years. Never made any claim.

First time I made claim against my property theft last month. I provided all the information required but they informed that I can claim max $1000 against all loses. When I asked them that I never knew my coverage is only $1000. They informed me that it’s standard unless you specify. I said you never asked me or disclosed me about this coverage. They said they sent me detailed policy in 2003, where it was mentioned. They don’t send any detail policy on annual renewal. When I enquired in detail, I realized that they deliberately minimized the coverage everywhere to lower my monthly premium unless I ask them. That’s why you will see most of us like their lower premium. I found other insurance providers, who disclose everything and confirm with you when you sign the policy but The Personal plays the trick to get new customers. BEWARE of this DIRTY TRICK.

Once you are trapped, they never listen to you. They also don’t provide any proof that you agreed with that. Simply they will say: “Our record shows this is your coverage”.
I have recommended everyone in my contact not to go with the Personal Insurance (Desjardins Group), one of the worst insurance company in north America. I heard earlier about them but now I realized it.