Conditions of Use
Date of last update: December 12, 2023
By using this site, you acknowledge that you have read, understood and accepted the following conditions of use, as well as our Privacy Policy.
If you do not accept one or more of these conditions, do not continue to use or access this website. You also acknowledge and agree that any claim relative to this site and its contents, or arising from its use, is subject to the applicable laws and that the competent courts constitute the only authority for settling any litigation that could arise from the use of this site.
The information on this site, including the present Conditions of Use, may be modified without notice. By using this site, you recognize that it is your responsibility to check for updates to this information.
Protection of personal information
At The Personal Insurance Company (hereinafter “The Personal”), your privacy is invaluable. That's why we take the protection and confidentiality of personal information you entrust us with very seriously.
To get access to your personal information, make a correction request or to obtain a copy of our Privacy Policy, please visit www.thepersonal.com/privacy or contact us.
Online services
You can access secured transactions related to the insurance policies you bought from The Personal through our Online Services. These services allow you to consult, download and print your home and auto insurance documents, make certain changes to your policies, such as the replacement of your vehicle or adding a driver or another vehicle, and also submit a claim. If you’re already insured at The Personal, you can view your insurance documents in the Online Services.
Any insurance transactions you carry out in our Online Services environment are protected; however, while we use the best security measures available, there is always a risk that your information may be disclosed through no fault on our part.
Any operation pertaining to general insurance carried out with the Online Services offered is recognized as being performed by the actual policyholder. It is therefore up to you to make sure that you are the only person who knows your user ID and password.
When performing an operation related to your general insurance, you are responsible for carefully reading the terms and conditions relative to the processing of your application (conditions, delays, etc.).
If you believe that an error has occurred in the information concerning your general insurance policies, please contact us.
Getting a quote and buying an insurance policy online
On this site, you can get a quote for home and auto insurance, or buy an insurance policy.
To ensure that you benefit from the coverage you have selected, it’s important that you declare all known circumstances that may influence our decision to provide you with insurance, our assessment of the risk and our calculation of your premium.
If you purchase your insurance policy online, you must also provide information for pre-authorized or credit card payments. It’s important to read the conditions for your chosen payment method and give your consent, if required. You have to make sure the information you provide is accurate and up to date. We reserve the right to not proceed with an online quote or insurance policy purchase at our sole discretion, if the information provided is not accurate or up to date.
Online quotes must be completed individually and are based on the information you provide and a set of standardized assumptions. If we provide you with an online quote, this does not signify that we agree to insure you and it is not a guarantee of insurability. Online quotes are provided on the condition that you meet our underwriting criteria. Quotes are valid for 55 days, as long as the information provided for the quote remains unchanged until the day the insurance policy is issued.
The premium calculated as part of your online quote is an estimate. It is not guaranteed and may change based on additional information you may provide us and coverages you may choose. If you have any additional questions or would like to finalize your insurance purchase by telephone, if applicable, you can contact one of our insurance agents.
Purchasing an insurance policy online is subject to certain underwriting conditions. You may need to contact one of our insurance agents for additional information before finalizing the purchase. In exceptional circumstances, one of our insurance agents may also contact you to get more information after you have purchased your insurance policy.
When available, if you purchase your insurance online, your insurance policy will be based exclusively on the information you provided us. Online quotes, confirmations of insurance and information displayed online do not constitute an insurance policy, nor are they proof of an insurance policy. Your policy will be mailed to you or sent to you electronically, based on your preference.
The coverages and exclusions described as part of the online quote or purchase process and any other information presented at that time are considered accurate but are not exhaustive and are for illustrative purposes only. Complete coverage and exclusion details are outlined in your insurance policy, which always prevails. Conditions, exclusions and limitations may apply.
By clicking the navigation button at the bottom of the transaction and operation pages on our website, you confirm that you have carefully read and understand the terms and conditions related to obtaining quotes and purchasing and modifying your insurance policy online. You also recognize that this action constitutes your electronic signature and proof of your agreement to be bound by these terms and conditions.
We do not claim or guarantee that the options you select on our website are suited to your insurance needs. We invite you to communicate with one of our insurance agents for personalized advice or if you have questions about your online quote or to purchase your insurance.
Transmitting material and information to us
The Personal is not responsible for any damages resulting from the interception, loss of, or modification of any email you have sent.
We would like to remind you that information sent by email is not secure. We recommend that you take care to not include confidential information, such as your policy number, personal information, etc., when sending email.
Site content
This site is intended to inform our clients and the public concerning our products and services, and to offer them a secure platform to purchase insurance products and services and complete transactions related to their insurance policies using our Online Services environment. The information it contains is subject to the conditions of the relevant contracts. Please refer to your insurance policies to learn about the exact extent of your coverage, limits, deductibles, conditions, and limitations that specifically apply to you. In case of discrepancy between the information on this site and your insurance contract, the insurance contract will prevail.
The information on this site regarding products and services offered is intended for use in Canada only, where these products and services can legally be offered, and is not intended for use or sale where prohibited by law.
Certain products and services described on this site may not be offered in your province or territory of residence, and are therefore not available for purchase on our online platform.
We go to great lengths to keep the information on this site updated; however, we cannot guarantee its completeness, accuracy, or correctness at all times. When in doubt or to advise us of an inaccuracy, you should contact us.
Third-party sites and tools
This site may direct you to certain tools developed by third-party suppliers, particularly for geolocation. These tools may collect your data if you use them and accept that the use of these tools is subject to the third-party suppliers’ conditions of use.
This site provides links to other sites for informational purposes only. It does not constitute an endorsement on our part nor do we sanction the information they contain. When you access one of these sites, you do it at your own risks and we expressly exclude any liability for it.
Disclaimer and limitations of liability
Subject to applicable laws, The Personal and its directors, employees and representatives are not responsible for loss and damage caused directly or indirectly to you as a result of the use of this site, its tools or its content, in particular of any action taken based on the information provided, sent or exchanged on this site or via email. We exclude any liability that may result from the sending or the exchange of personal information or confidential information to us through this site or by email.
Subject to these Conditions of Use, we do not guarantee that the information on this site is complete and up to date at all times, and we cannot be held liable for the contents or for the accuracy of the information presented on this site. We reserve the right to change it at any time, without notice.
Finally, subject to applicable laws, we do not guarantee that the site and its tools will be available and functional at all times. We do not guarantee that the information provided on this site will meet any specific need, that the elements that can be used after copying or downloading will be error-free, will not cause technical or other problems, nor will these errors or problems be corrected, that this site or any other Web site to which it is linked does not have computer viruses, Trojan horses, or any other potential hazardous element.
Intellectual property
The contents of this website are protected by copyright laws in Canada and internationally. Any reproduction, display, publication, transmission, distribution or modification thereof requires the consent of The Personal.
The Personal® and related trademarks are trademarks of The Personal Insurance Company.
Desjardins®, all trademarks containing the word Desjardins, as well as related logos are trademarks of the Fédération des caisses Desjardins du Québec, used under licence.
Ajusto® is a registered trademark of Desjardins General Insurance Inc., used under licence.
Worry-Free OptionTM, AlertTM, RadarTM and Value Plus OptionTM are trademarks of Desjardins General Insurance Group Inc., used under licence.
These trademarks are protected by trademark laws in Canada and internationally. Any use of these trademarks requires the consent of their owner.
We may amend these Conditions of Use from time to time. You can determine when these Conditions of Use were last modified by consulting the date of the “Last Update” set out above. Your continuing relationship with us shall be deemed as acceptance of and agreement to any such modifications.
Compensation
The Personal Insurance Company is a direct writer that sells home and auto insurance in all applicable provinces, except for Quebec. (Auto insurance is not available in Manitoba, Saskatchewan or British Columbia due to government-run plans). The Personal General Insurance Inc., is the direct writer that sells home and auto insurance for the province of Quebec. Agents are salaried; there are no commission payments made to brokers or external middlemen.
We reserve the right to change these conditions at any time and without prior notice.
Ownership
Our parent company is Desjardins General Insurance Group Inc., which, in turn, is owned by Desjardins Group.
Through its various subsidiaries, Desjardins Group offers a wide variety of financial services, insurance products, trust services, investment and asset management and many other financial services across Canada.
The property and casualty division, Desjardins General Insurance Group Inc. offers general insurance directly to:
- Individuals in Ontario and Alberta through Certas Direct Insurance Company
- Individuals and small businesses in Quebec through Desjardins General Insurance Inc.
- he employees or members of our partner groups through The Personal General Insurance Inc. in Quebec and The Personal Insurance Company in all other Canadian provinces and territories
- individuals and small business in Ontario, Alberta and New Brunswick through Certas Home & Auto.
- Individuals and small businesses through Certas Home & Auto and its agents in Ontario, Alberta and New Brunswick.
The Personal Pet Insurance Program is underwritten by Petline Insurance Company and is distributed in Quebec by Missisquoi Insurance Company.
The Personal Travel Insurance Program is offered to participants of groups that have a partnership agreement with The Personal Insurance Company that includes The Personal Travel Insurance Program and is underwritten by Desjardins Financial Security Life Assurance Company. The Personal Insurance Company and Desjardins Financial Security Life Assurance Company are affiliated companies and subsidiaries of Desjardins Group.
Our commitment to you
For more information on your rights and responsibilities as a consumer when shopping for insurance, consult the Code of Consumer Rights and Responsibilities, which has been developed by the Insurance Bureau of Canada.
Should you have any questions, please write to:
Client Complaint Management Centre
The Personal Company
P.O. Box 7065, Station A
Mississauga (Ontario) L5A 4K7