Home Insurance Reviews

Aviva Home Insurance Reviews

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(155 reviews)
Aviva
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AVIVA DISHONEST

by nounou on Jun 12, 2018
1 out of 5 stars

YES BE WARNED FOR MANY REASONS. THEY PUT YOU THROUGH HELL FOR 20 MINUTES OF INTIMIDATION, BEFORE EVEN YOU ARE STARTING THE LINE OF COMMUNICATION... CLEARLY ALL TO COVER THEMSELVES. THEN... A COMPREHENSIVE HOME INSURANCE. It says, you are covered for water damage, roof etc... one can imagine that the roof will be covered... but cleverly, the explanation is that... based on weather condition and wind/storm at a speed of 55m/h+ that you could be covered for any damages caused to your roof... // WHAT?????.. How could this be?? Surely if you get an insurance and after 6 months, you get unlucky that something goes wrong with your roof, don't even think about to go to them for any assistance. Even in my case when I am with them more than 5 years, one can think that within 5 years... there may have been very bad weather that my roof wouldn't have been affected so to speak, and then a heavy rain caused the same damage than a storm of 55 miles... that could even damage a brand new roof... it just doesn't add up what they say... unless they say, come and insure your house, only and if you have a brand new roof... they say you are covered for accidental damage... then when you have a burst pipe under a bath, they say, you need to repair the burst pipe and we only cover you for make good... I have a 3-storey terrace house. I can't go to the roof to figure out how the leak has been caused, and their response is that for the last 3 months we didn't have any kind of hurricane type of wind of 55m/h... therefore I am not covered... TO TOP IT ALL... they further intimidate that should you make a claim, even if your claim is unsuccessful, you will be put on the list of those who made the claim and therefore should you decide to change your insurance company, you must report that YOU HAVE MADE A CLAIM, EVEN IF YOUR CLAIM GOT DECLINED with the bogus reasons good enough for AVIVA themselves. Therefore, either way, your insurance premium will get affected with a higher insurance cost. Basically, intimidation all along... to ensure that you fully understand... if you make a claim... even unsuccessful, you will be reported... all that to dissuade you to change your mind if you make a claim... your premium will go up... even if you didn't get validation to your claim during all these intimidations... no one is actually telling you honestly and openly WHAT YOU ARE ACTUALLY BEING INSURED FOR... UNLESS YOU READ A 20-PAGE INSURANCE DOCUMENT. Let us face it... most of us take an insurance because we want to be covered for the main issues... fire... water damage to the property...

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Wants YOU to pay their bills

by Jeff on Oct 26, 2017
1 out of 5 stars

Aviva took RBC and ran it into the ground. Their staff is inept. Had a claim. The road adjuster did nothing. No money, no calculation of cost nothing. What Aviva does is send their "preferred contractor". Instead of paying road advisers they rely on this third party to do the quote for repair. Which is BS. Its AVIVAs job to pay their own people to come up with numbers. Not pay 3rd parties out of my insurance limit. This is what happens. Using my claim money to pay this third party to come up with a lowball estimate and do so at my cost for their fee. The truth is, they lowball. Then when the "unexpected" comes up during repair the contractor will amend. Why? So people get less of a cash out option for one. But more important you have the right to hire your own contractor. But the lowball estimate cannot be exceeded. Further pushing clients in favor of the "preferred vendor". Here is what the "preferred vendor" did for me. I had a sewage flood. They DID NOT clean. They DID NOT remove any contents. They DID NOT disinfect. They ripped out 600 sf of flooring and cut into some wallboard. End of them. I had to clean my own house of sewage. I had to disinfect myself and do all the content manipulation myself. Aviva was made aware with a detailed timesheet. They dont care. They waived my $1000 deductable. Gee thanks because you paid your "preferred vendor" $6000. What for? I beleive AVIVA to be 100% without ethics and I believe how they are operating is in contradiction to the laws in Ontario. This is not honest business nor regulation practice. AFter my lowball claim they sent me a letter saying they wont insure my house anymore. You see .... they are there to take money and invest it for their gain. They are not there to insure things.

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Drain Backup

by J&J on Mar 17, 2016
1 out of 5 stars

We have a drain backup, but were proactive and managed to prevent it from destroying our basement. We called in the plumber immediately (Drain Rescue) who dug out the basement and replaced all the drain pipes and put a backwater valve. Aviva came in during the work process. As per our plan, we have taken the maximum coverage. We acted honestly and let them know that we prevented the water and emptied buckets after buckets of grey water outside the house and had switched off using water. During the entire repair process, we also switched off the furnace to prevent it from being ruined. We lost carpets, rugs and clothes. The Aviva rep informed us that they would only cover the backwater valve. There is a $1,000 deductible and so the clothes and rugs would not be covered. The carpets would be evaluated. We are still waiting not sure what they plan on giving us. Drain Rescue informed us that other insurances cover the cost of digging and the concrete. The pipe replacement cost is ours, but our Aviva Rep informed us we are not covered. Do I trust AVIVA? My previous insurance TD was much better, I had a drain problem in a Condo in 2005 and they evaluated our loss, replaced our flooring and cut us a cheque for losses which was very reasonable.

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Are you a condo unit tenant? Remember that neither your condominium corporations' policy nor your landlord's insurance policy protects you as a tenant (3rd part liability, contents, etc.). If you do not have your own insurance policy, get your condominium insurance quote today.

Fire damage in Ottawa

by Scott on Mar 20, 2017
1 out of 5 stars

My house caught fire in February 2016 and we just moved back in over one year later in March. It is a large house just under 4000sq ft. The majority of the house was completely gutted but key areas were not, including the master bedroom and bath and a couple other areas. The insurance adjustor, Geoff, gave low ball and unfair budgets throughout the process. The insurance company refused to gut the remaining portion of the house and now after only living in the house for a few days we are suffering through flooding damage due to plumbing issues. The insurance adjustor has extremely poor communication with me but I'm sure this is part of his strategy. The cabinet maker Sandy Beach cabinetry installed warped cabinets and in their attempt to rectify the defectives cabinet draws keep reinstalling the same warped drawers. In addition, the values given to our contents are completely inaccurate. For example, the list will correctly identify an item but will assign an extremely low and inaccurate value. These are just some of the issues we've faced and the process is not over yet.

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Thank you Aviva

by chinook42 on Jun 15, 2017
5 out of 5 stars

I have had home insurance for almost 38 years, and have never had to make a claim. We have our present house for sale, and have been trying to keep it perfect for showings. However, two nights ago I was returning from a nearby town, when my son called to tell me that he had gotten home and water was coming in through his bedroom ceiling. When I got home, we quickly determined that an outside water hose pipe had burst inside the wall, and drenched two rooms and started on a third. I called Aviva late that night, and they started the claim for me, and the lady was fantastic to deal with. At 7:00 am the next morning I spoke with their claim service again, and they said that a flood specialist company would call me right away. Ten minutes later On Side Restoration called, and said that they would have their Edmonton manager call me ASAP. And ten minutes after that, Dave called me. We agreed to meet at the house three hours later. At 10:30, just as the very kind Aviva adjuster had called to help me through all of this, Dave and his fantastic crew showed up at the house, and started taking down the wet ceiling and walls. Six hours later, they had dehumidifiers and fans, up and working. They also hauled out all of the wet drywall and cleaned up everything. The next morning they removed all of the bedroom carpets that they had already rolled up the previous night. Had Aviva and On Side Restoration not responded so quickly, I know our basement would have begun to smell musty, very quickly. As it is, everything is already dry, and this is all now just an inconvenience, not the financial loss it could have been. I really appreciate Aviva's response, and On Side Restorations response and great work by their crew. Their manager and two man crew are better than as I could ever have asked for, and I thank you all for helping my family through this the past two days. Thank you Aviva and On Side Restoration! Paul , Beaumont, Alberta

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satisfaction with the Insurer

by ali123 on Jun 21, 2016
4.5 out of 5 stars

We had a major flood in our condo unit due to main hot water pipe break in the hallway in March 2015. We were covered by the Strata insurance and home owner's insurance (Aviva) and experienced two very different response from these two Insurance Companies. The claim issues related to the Strata Insurer not finalized yet and still we are negotiating!

Fortunately our Insurer "Aviva" had been very professional and didn't hesitate to look after us from day one. Aviva provide us with nice accommodation (not that easy in Vancouver), all the furniture were properly stored or replaced if needed, The adjuster, field service rep. made himself available all the time and acted in a kind & professional manner. I would hesitate recommending Aviva to the home owners

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