Independent Auto Insurance Reviews

Aviva Auto Insurance Reviews

(156 reviews)
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Category: Claim Exprerience
(1.4 out of 5 stars)
Customer Service:
Value for Money:
Claim Experience:

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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Claim Assistant

(4.5 out of 5 stars)
by WWL Jul 07, 2019
...I had an accident today and I called the Claims number on my policy. When my insurance Broker recently referred me to transferring my Auto insurance to Aviva, I was pretty leery. But today when I called the Claims number, I can honestly say, it was the best experience I ever had dealing with an insurance company. I was quite shaken and was beside myself. I had no idea where to find info that was needed. The adjuster spoke to me and calmed me down, she assisted me in finding most of the info she required, she told me exactly what would transpire, she calmed my fears about a rental car and gave me the number of rental companies in my area. This conversation with her was more like a phone call to a friend or family member. I did not at any time detect impatience in her voice. She was there to help me after a bad experience and she did so with grace and kindness. At this time I have no misgivings regarding my new insurance company, Aviva... Thank you so very very much...
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They will never pay.

(1.0 out of 5 stars)
by Aviva_Is_Garbage Jul 05, 2019
...It's been over one month since I was t-boned by someone running a red light. The other driver was charged and I was taken to the hospital. After that, received the police report that proves I was not at fault, they still say that I might be at fault and will not pay for my written off car. They are a SCAM. They are the most crooked insurance company on Earth. They care only about money and definitely not about people...
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(1.0 out of 5 stars)
by Kevin H Jun 18, 2019
...Aviva has been changing my insurance for a vehicle which has been a total loss for 2 weeks. When I called and complained they said I had to call a different department to cancel the policy. This is a scam. By the way, she hung up on me...
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Worst insurance company

(1.0 out of 5 stars)
by aisha Jun 06, 2019
...They will put you through hell and back. I got into a car accident and it wasn't my fault I was hit from the back. I had my 10-month-old baby and as insurance, they were no help end story I struggled but yet I paid them every month... This company is a scam they enjoying taking your money for a service they can't provide. Please, If you want to be a peace protect yourself and stay away from Aviva...
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(1.0 out of 5 stars)
by Atul May 13, 2019
...Worst experience ever. Met with an accident on 22 March 2019 and still waiting for the settlement amount. Made 40+calls and emails and they are like “we are investigating” like what? Did I murder someone? And now I bought a cheap car to commute and they put a hold on my insurance and I can’t even drive my car(new)! I wish I could give them zero stars...
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Terrible service.

(1.5 out of 5 stars)
by jim May 13, 2019
...So, it appears Aviva does not care about its customers. They only fix what can be seen. They fixed 80% of the issues and left me to fend for myself, even after Ford said it "this can be the cause of the impact" (direct quote). Aviva also does not like phones - or at least calling back. It took my adjuster days to return my calls, and 1.5 weeks later I had to call to find out someone else now has the case. Since I got my car back in March 2019 (it took 1.5 months to fix) I barely drove it. Now I have to pay for the rest of the repairs myself. Beware...
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Worst Company

(1.0 out of 5 stars)
by chahal May 07, 2019
...Very bad experience with them. Facing issues after two years of animal impact claim for myself which was no fault, but now that claim is shown in my wife licence, as unknown, which increases our premium for a new policy. I don't know what to do now? Stay away from AVIVA...
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Garbage Aviva company

(1.0 out of 5 stars)
by Michael Apr 15, 2019
...Aviva should change their name to Garbage company. It's not only me, but many of my knowns had the worst experience. Note it whenever you need a claim you will get nothing. This company is the best in refusing claims. Never get this insurance...
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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.