The Personal Insurance Reviews and Company Profile

The Personal offers group insurance to over 700 member organizations and professions, such as the Canadian military, engineers, firefighters, accountants, healthcare professionals, police forces, and many others.

The Personal Insurance Company
Founded 1973
Headquarters Mississauga, Ontario
Employees 4,000+ (2018)
Insurance Products* Auto, Homeowners, Condo, Tenant, RV, Business (Quebec), & Pet Insurance
Provinces Licensed AB, BC, MB, NB, NL, NWT, NS, NU, ON, PEI, QC, SK, YT
*Insurance coverage and availability may vary by province. Speak with your broker for details.

Company Overview

The Personal offers group insurance coverage for auto, home, recreational vehicle, pet, and travel insurance to all of its Ontario members. As a provider of group insurance, The Personal is able to offer the same kind of insurance other companies offer, but at significantly discounted prices. Rates will vary from company to company because The Personal negotiates its insurance rates directly with each member organization.

The Personal deals directly with major businesses, unions, and associations to ensure that its members have access to exceptional auto and home insurance coverage.

Members can rely on The Personal for:

  • Excellent coverage at rates that are generally lower than other providers
  • A focus on customer service, including 24-hour claims
  • A fully interactive website and mobile app that allows customers to manage accounts activity
  • Inexpensive insurance that can be customized to meet a the needs of its customers

The Personal’s Advantages

The group insurance business model helps The Personal to leverage the buying power of an organization’s membership to offer lower insurance rates to its members. What makes this company special is that the services it offers are the same high grade that its customers would get from any other insurance company. Some of the advantages of doing business with The Personal include:

  • Excellent Customer Service – The Personal puts an emphasis on creating services that benefits its customers, and on offering the best possible customer service. The company does not allow the fact that each customer is one part of a larger group to affect the ability to deliver high quality service and products to each individual person.
  • Customized Solutions at Discount Prices – While the idea of using group insurance to offer discounted coverage is popular, The Personal works to make sure that the ability to customize coverage needs is still part of their offering. Insurance is most helpful when it can be tailored to fit the needs of each client. The Personal can help develop custom solutions with its group coverage, which enhances the value customers get with their coverage.
  • Accountability – Each customer The Personal helps is part of a member organization that has a specially-negotiated deal with the company. Customers who are not happy with the coverage or service offered by the company can complain directly to the member organization. That organization will hold The Personal accountable for those complaints. Instead of having a direct relationship with each customer that only creates one layer of accountability, The Personal has a second layer to be responsible for.

The Personal’s Insurance Products

The Personal’s main products are home and auto insurance, but it offers even more coverage to its Ontario customers.

Home Insurance

The Personal has homeowners, condo, and tenants insurance, with a variety of discounts such as:

  • Bundling home insurance with other coverage
  • Up to 20 percent off home insurance for homeowners who have gone several years claim-free
  • Discounts for installing water leak prevention and detection devices in your home
  • Discounts for fire or theft alarm systems
  • Up to 10 percent off home insurance premiums for home that meet the LEED green home criteria

Auto Insurance

The Personal’s auto insurance discounts include:

  • A 15 percent discount for no convictions on your driving record for the past three years
  • Coverage for more than one vehicle
  • Home and auto insurance bundles
  • Hybrid or electric vehicles

RV Insurance

Owners of recreational vehicles can enjoy low group rates when they get their insurance through The Personal. Types of insurable RVs include:

  • Motorcycles
  • Snowmobiles
  • ATVs
  • Motorhomes
  • Trailers
  • Scooters
  • Campers

Pet Insurance

The Personal offers three pet insurance packages for customized coverage to suit your pet’s needs.

Travel Insurance

The Personal offers numerous travel insurance options and packages, including:

  • Emergency health care
  • Lost baggage protection
  • Trip interruption or cancellation coverage
  • Expenses covered for an emergency return trip
  • Accident liability coverage
The Personal Insurance Reviews and Company Profile
Ontario Location:
3 Robert Speck Pkwy, Mississauga, Ontario L4Z 3Z9, Canada
Ontario Claims: 1-888-785-5502

The Personal Insurance Company Reviews

Rated 1.8 stars
1.8 / 5 (13)

20%


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  • Document delivery
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Tracy
Rating: 1
1 /5 stars

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on 2020-10-22 17:28:05

They say it’s important to have people that care of you during difficult times. NOT TRUE!!
Had hail damage to our home, the siding is discontinued and no color match. We now have to pay out of pocket to do the rest of the siding. Other insurance companies are paying to do a full wrap. Ask lots of questions if you are thinking about going with the personal.



Sadiq
Rating: 1
1 /5 stars

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Bad insurance company

on 2020-08-12 21:26:24

Recently I had a claim due to the hail damage done on my house this insurance company is only covering a small amount of the damage done. The customer service is very poor would definitely not recommend this company for any of your insurance needs.



barry Norman
Rating: 1
1 /5 stars

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Worst insurance company ever!

on 2020-08-04 16:16:05

I am 72 have had mc insurance with the personal for about 10 yrs.-no claims. The 1st 3 mths of 2020 they increased my premium, I called & enquired lf there was any reduction due to the covid 19 as most other companies are doing. They said No! & rudely decided to just hang up on me. I have never in my life been treated in this way before. I subsequently cancelled my coverage with this disgusting company. Hopefully others will benefit from the reviews by many about this company & purchase insurance elsewhere.



Bill Curry
Rating: 1
1 /5 stars

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Online Quotes Are a Scam

on 2020-04-22 21:08:50

Used The Personal's site to get an online quote. The quote was among the least expensive, so I followed up with a Personal Agent. After going through the same questions (and answers), my quote from the agent jumped over $600. When I said that the online quote was so much cheaper, the agent acknowledged that it's not very accurate (i.e., they use the online quote and then try the bait and switch). In my book, that's called fraud.



Ian Whitecross
Rating: 2
2 /5 stars

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Never a decrease

on 2020-03-25 11:25:19

Have had the Personal for years as a Military member and accident free and claim free. Never has our rate reduced and after checking another provider we cut our rates in half for our house and our vehicles. I tried insuring our series 1 tractor and they wouldn't insure it outside the yard .



Andrew W
Rating: 5
5 /5 stars

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Honourable Insurance Company

on 2020-02-28 20:06:44

Dealt with The Personal for close to 30 years and have numerous auto and home claims. I feel that I am receiving good service for the premiums charged and have never had reason to feel that I haven’t been treated fairly



Roger Crowder
Rating: 5
5 /5 stars

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Have used The Personal for over 30 years

on 2020-02-22 11:29:50

Looks like over half the reviews on here are fake I have dealt with The Personal for over 30 years have had several claims and always had fast and satisfactory service.

Mitchell & Whale Team
on 2020-02-23 08:44:57

Thanks for the feedback, Roger. There's no real way to validate online reviews. We trust that most people say what's on their minds, but remember that people are much more likely to share a bad experience than a good one. Glad you bucked the trend!



Sonia
Rating: 1
1 /5 stars

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Worst Insurance Company

on 2020-01-31 11:38:57

Very difficult dealing with the employees. They couldn't find my address on their system so hang up on me. I had to call back four times to get a quote but since my car was older than 2008 and couldn't find my address, a quote couldn't be obtained. Employees very rude. I would give a zero star to this company.



Violeta
Rating: 1
1 /5 stars

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Don't Buy to AVIVA Ins. Company

on 2019-11-10 00:32:01

We were in an accident others drivers fault. It took us 4 yrs.to settle with them. They are fast in taking your money but when it comes to settling they will drag it out until you give up or wind up dead yourself. They are horrible to deal with even for Home Ins.- you already have all the evidence of a flooded basement, they still won't pay you a single cent. GREEDY! And their people are mostly rude to deal with. If I will rate this company, they don't even deserve a 0 star. Stay away from this Company!



Braden
Rating: 1
1 /5 stars

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They Don't Care

on 2019-10-16 15:17:26

long story short...
Involved in a collision I was not at fault for to the tune of over $16,000 in damage to a truck I had purchased new barely 6 months prior.
Rather than doing the right thing and writing the vehicle off, they are screwing me big-time with the seriously diminished value of my vehicle... which again, happened due to a collision for which I was not at fault.
Don't do business with these guys and if you do... run as fast as you can to another company before they screw you too.



John Fallon
Rating: 3
3 /5 stars

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If you dont carry collision & have an auto accident don't count on any support from this provider

on 2019-07-28 17:06:13

Not that it is likely any different with other auto insurers but I can only speak to my recent experience.

I live in Alberta and have home & auto (1 car full coverage + a Motor Cycle + another auto with no collision. My daughter is listed as an occasional driver on the 2nd limited coverage auto.

Recently my daughter was in an accident, no witnesses, no camera's no dash comes= He says versus she says as an outcome. Meaning both parties claim the other was at fault but there is no independent proof to determine fault for either party. As there is no collision on the auto it is up to us to try and resolve this issue with the other parties insurance provider. Of course the other company is supporting their client and therefore, unless we choose to take the other party to court we are out of pocket for the car (value to repair or replace $9K).

The issue I have is that the Personal offered very little assistance nor any specific guidance on options to try and get some comfort in this incident/ The best outcome would have been a 50/50 settlement but since no party believes they are at fault this will not happen. We had to call the insurance ombudsman & a lawyer to determine what options were possible.

So moral to the story, don't have an accident, buy collision and get a dash camera. These options would be 100% more helpful then the service I was provided as an existing customer.

They were very competitive on cost generally speaking but I don't think I got more than what I am paying for. BUYER BE WARNED



krupaker mamidi
Rating: 1
1 /5 stars

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Worst insurance

on 2019-04-24 22:56:02

Don't go for it, charged $600 to cancel policy



J Biseau
Rating: 0.5
0.5 /5 stars

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Scam

on 2018-10-12 11:57:40

This company is one of the shadiest we have ever dealt with....They took over a year to settle a life insurance, and still dragging their feet..They are fast at taking the payment but when it comes to settling the policy they will drag it out until you give up or wind up dead yourself....Go to a real insurance company...These people are scabs.

Mitchell & Whale Team
on 2018-12-12 17:43:31

That is upsetting to see - not something you hear about often with life insurance.



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