Independent Auto Insurance Reviews

Aviva Auto Insurance Reviews

(65 reviews)
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Category: Call Center
(1.4 out of 5 stars)
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Worst Experience in 25ys

 
(1.0 out of 5 stars)
by Danny D Aug 12, 2019
...At Aviva we expect you to be lawyers and read every word of our 30 pages welcome package for you to find all the scams because we jack your rates up by 25% overnight and then screw your over by charging an extra months worth of charges when you terminate your policy after noticing 1 month after you review the policy change. We try our very best to screw over our clients and then 'read from the script' when you call in and complain. You might as well use a computer for all your service agents because they all sound like robots that do nothing for their clients. 'No if, ands or buts, we cannot prove or deny anything and you should have read your contract fully before getting tricked by us". I have been in customer service for 20 years and I know garbage customer service when I see it. Aviva will go under in a few years and all those scripted speaking non-human agents will be looking for new jobs. Enjoy it...
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If you have a good driving record in AB, you should pay around $110/month (women - $105/month and men - $113/month). Do you overpay? Get an Alberta car insurance quote to start saving.
 

Nightmare Claim Experience

 
(1.0 out of 5 stars)
by Fruitbats2018 Aug 09, 2019
...Rear-ended December 2018. Opened claim, car towed from the driveway and provided with rental. Made several attempts to contact the insurer, eight days after opening the claim was told via email the car was a write-off and offered a ridiculously low settlement and that we needed to release the car, collect plates, and return rental within three days. Emailed our adjustor over the next few days, to arrange a phone call. Finally, scheduled time, he failed to call us. Call finally happened, we got nowhere. The adjustor was only interested in selling us insurance for our next car. Refused to budge on the return date for our rental, even after we pleaded, as it was the holidays and we didn't have the cash flow to go out and buy a new car. Cancelled weekend plans and went car shopping. The new car would be ready in five days, rental car was due back in three. We had to extend rental at our own cost. Researched comparable cars for sale, to negotiate a fairer settlement. Immediately found three comparables with higher selling prices, and sent those through. Two of the three were rejected as they were located out of province, we had never been told that would be a qualifying factor. Also, then told we needed to find at least TEN comparables. We found nine more and sent them through, eight of which were rejected due to "special features". We were told that our settlement would remain the same, even though it very well should have gone down. A cheap scare tactic. We took a closer look at the initial valuation report that had been sent through that calculated the initial settlement offer, and we found that many of the so-called comparables that they had used included the very same "special features", with a $25 deduction applied. We sent the same set of cars we'd found back, with the same $25 adjustment, and asked for our settlement to be reconsidered. Discovered snow tires hadn't been included in the valuation. Calculated a depreciated value of $600. We pointed this out to the adjuster, to which he replied that no value would be added. The only way we could get value out of the tires would be if we switched them out ourselves before releasing the car to the insurance company. Contacted the auto body shop that was holding our car. Advised us they did not have the equipment to switch out tires. Suggested we have the car towed to a mechanic, switch the tires then tow the car back to them, at our own cost. This would negate making the switch in the first place. We tried one more time with the adjuster for the value of our snow tires to be reconsidered, along with the ten cars we had sent. Furthermore, we also noticed they had failed to calculate mileage adjustments for their ten cars, so they were comparing our car with below-average mileage to much lower-priced cars with higher mileages. After days of waiting, we finally got an increased offer. It still wasn't enough, but it was an improvement. Based on the comparables we sent through and all the discrepancies we pointed out in their valuation, we got the value of the car increased by about $750, and they also added in $225 for the snow tires "as a goodwill gesture." We calculated the offer and hoped for a little bit more of an increase, but were stonewalled with a dispute letter. We contacted GIO to see if we had a case, but we were pretty much at a dead end. We sent the Proof of Loss form to our adjustor, finalizing our settlement. We didn't hear anything from the adjustor, followed up a few more times. He said we were "welcome" to collect our personal effects and plates whenever we felt like it. A week after we finalized the settlement, we asked our adjustor for an update on the delivery of our cheque, ONLY THEN he told us that we HAD to go and release the car in person before he would release our cheque! Received a letter from RBC Insurance detailing that our policies had been cancelled at our request, but we owed them money. Our policy had always been on a pre-payment plan, so it would only make sense that they would owe us a refund for the unused portion of the month. A "final notice" arrived only TWO days later advising if we didn't pay up, a collection agency would come after us. I paid the $100 balance owing, but only in protest. It then took over a month to get our correct refunds. They owed us around $300 now - even after acknowledgment of our cancellation, RBC continued to deduct our monthly payments. The cheque arrived at the end of January but we were told by our adjustor that we would be liable for a $500 deductible if we could not provide the police report with the other party's insurance details. We protested this sudden deductible appearing out of nowhere, as our paperwork indicated that we had a $0 deductible. The adjustor apologized and claimed he'd been "looking at the wrong file." In mid-February, another cheque arrived for the $500 deductible, which had been factored out of our initial settlement and was owed to us. Also received a $300 cheque from our cancelled policies. Still outstanding at this point is the liability of our case. We emailed the adjustor the week after receiving our settlement outlining what had clearly happened in the collision once again and with the police report attached. Months later, we still haven't received any confirmation on how our case was ruled, but we assume the case is now closed and that we would have heard something by now. It certainly would have been nice for our adjustor to let us know...
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WORST Service ever.

 
(1.0 out of 5 stars)
by DISGUSTED Jun 11, 2019
...After receiving the most insulting letter to see if I "qualify" for my Auto Insurance after years and years of being a client, Home, Auto Mortgages, Investments, RSP's etc. Not a single late or missed payment. One hail damage claim only in ALL the years my family and I have been with Royal Bank, I along with many others get this extremely unprofessional and impersonal letter. I started March 1st trying to cancel my insurances, I have spent 5 phone calls for a total of over 4 hours on hold, I have gone to the Royal bank branch to try and get assistance spent 35 min in the branch, was given a 1800 phone number to the Insurance office, which we called from within the Royal Bank branch, we received a voice mail and was promised a phone call return within 45 min. It's now 7 days later! Then I was given a phone number to Royal Bank Insurance office on Jasper Ave Edmonton, which when called stated the number was "Out of Service" So once again I phone Royal Bank insurance, Back to sitting on hold. I FINALLY got through to a person! I asked to cancel my insurance, to be told there will be a cancellation fee since I did not do it prior to renewal even though they could see that I had started this process March 1st, it's now June! So I request a cancellation today I am told there will be a cancellation fee even though it was out of my control because I could not get through to cancel prior to renewal. I am so unbelievably disgusted at this point I don't care I will pay the 47.00 cancellation fee only to be told I have to go to a Royal bank Insurance" office" in order to pay it. The Royal Bank can not collect the fee unless I pay it by Visa. The Royal Bank cannot take it out of my Royal Bank account. I have to go to an insurance office on the other side of the city... If I don't pay it either on my visa or go to the Insurance office, then it goes to the collection, that's what I am told... After 40years with the Royal Bank, this is the service they provide! I am, however, benefiting in the end because I saved $1305.00 per year on my home and Auto Insurance. My Business accounts, my personal accounts, my family's accounts and investments will all be moving from this Financial Institution. My advice is to seek Your Insurance business elsewhere you will save a great deal of money and receive respectful customer service...
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Bad driving record? Your insurance rates can be double the standard insurance rate. Let us help you get the better auto insurance rate without breaking the bank.
 

RBC/Aviva terrible service

 
(1.0 out of 5 stars)
by Upset Apr 14, 2019
...I received the 5-page form by registered mail to renew my auto insurance with Aviva. I’ve been with RBC insurance for 19 years. I have one month to return the form. After reading comments on this forum, I called RBC and spent over an hour filling form, so as to avoid problems. Who knows what algorithm triggered this? This is an awful way to do business. I called a broker and provided them with the same information for a quote. I’ve had it with dealing with an insurance company that treats me so shabbily. I called them last fall to get a quote on a new trailer. I wanted to sell my existing one and buy a new one. In mid-policy, they cancelled my trailer insurance while I was on the phone. I got it back, but it took hours on the phone. I promptly sold my trailer and did not replace it. I find that Aviva is very fickle and unpredictable. I’m hoping that the broker comes up with something reasonable. I would like to never need to deal directly with insurance companies again...
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