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
HeadquartersMississauga, Ontario
Employees4,000+ (2018)
Insurance Products*Auto, Homeowners, Condo, Tenant, RV, Business (Quebec), & Pet Insurance
Provinces LicensedAB, 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 1.5 stars
1.5 / 5 (3)


  • Savings
    User: 10%
  • Application Process
    User: 15%
  • Claims Process
    User: 10%
  • Rate stability
    User: 10%
  • Document delivery
    User: 10%

John Fallon
Rating: 3
3 /5 stars

  • Savings
    User: 0%
  • Application Process
    User: 0%
  • Claims Process
    User: 0%
  • Rate stability
    User: 0%
  • Document delivery
    User: 0%

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

  • Savings
    User: 10%
  • Application Process
    User: 20%
  • Claims Process
    User: 0%
  • Rate stability
    User: 10%
  • Document delivery
    User: 10%

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

  • Savings
    User: 10%
  • Application Process
    User: 10%
  • Claims Process
    User: 10%
  • Rate stability
    User: 10%
  • Document delivery
    User: 10%


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.

Review Your Insurance Company (max 5 minutes)

Your email address will not be published. Required fields are marked *

VOTED #1 Brokerage in Ontario

Mitchell & Whale Insurance Brokers was recently voted #1 in Ontario by the Insurance Business Canada magazine. Read more Ontario Insurance Awards

FREE Online Quotes For All Your Insurance Needs! Get a Quote