Independent Auto Insurance Reviews

Aviva Auto Insurance Reviews

(86 reviews)
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Category: Coverage, Conditions
(1.4 out of 5 stars)
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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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Expensive and sneaky

 
(3.0 out of 5 stars)
by Fedup May 31, 2019
...It is true that their customer service is good... but everything stops there. When you have a change in insurance coverage, good luck trying to understand their calculations. If you have a claim, they will act on it promptly... but... they will nickel and dime you to death. They will tell you their procedure, not the one you are legally entitled to. They will low-ball you for your claim. Advice? Fight for your numbers. Get prices of similar cars and send them to the "adjuster". Request your claim be sent to the supervisor. And, never, ever accept the first or second offer. Always accept the third...
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Aviva/ RBC awful companies

 
(1.0 out of 5 stars)
by Lina Apr 24, 2019
...I would rate them a 0 if I could. I was sent a registered letter stating that my car insurance would not be renewed because I didn’t send some forms in. I had no idea what they were talking about as I did not get any forms. I called RBC/ Aviva and I explained to them I did not get any forms. Basically, they didn’t seem to care at all and stated if I did not receive them, then they would have had returned mail. Wow, that’s not necessarily true. I have been a customer for 7 years and I get treated like this. Awful, just awful! Today I cancelled my property insurance with them as I do not want to give these companies a penny more as they obviously do not care about their customers. They proceed to charge me $176 to cancel the insurance- are you kidding me??? Pure thieves!!! Do not go with RBC/AVIVA insurance - they don’t care about their customers, they are not trustworthy and they are thieves - overcharging. My new insurance company is much better, better rates and coverage and guess what they value their customers...
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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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