Independent Auto Insurance Reviews

Aviva Auto Insurance Reviews

(55 reviews)
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Category: Insurance Rates, Prices
(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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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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Such a shame...

 
(2.5 out of 5 stars)
by fern8 May 29, 2019
...I have been with AVIVA for almost 2 years. It is my first time having auto insurance as I have been on my parents' plan while in university. I was really happy at first. The monthly prices were fair, and they were responsive to my needs when I moved and needed to change my address on file. All was well with my first renewal, it was processed automatically. I have no accidents, tickets, and a pristine driving record. I thought it was a blissful union (lol)... On the last 3 months, I had one claim and I thought it was handled well. It was a not-at-fault accident. The adjustor at AVIVA was on my side, communication was great, and he made sure the other party's insurance paid for the whole thing (repairs, rental), including making sure my deductible was waived. Anyway, I was happy! Then I got the package of renewal information. Another reviewer called it the Aviva Alberta Exodus and I think it's a great title...I'm in Alberta. I was shocked they asked me to re-apply and was told by a friend who works in insurance that Aviva is firing clients in Alberta because they have lost money in the past few years. I figured...it's not my fault! I never missed a payment. Then, the adjustor working on my claim goes MIA. I finally call and am told that he is no longer working there...communication has taken a bad turn. It's sad because things were good at first. I am switching insurance providers for my upcoming renewal...not worth the hassle. Good luck finding something better, everyone...
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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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Thank you insureye and posters

 
(1.0 out of 5 stars)
by Sakensun Apr 28, 2019
...I was just informed we have been randomly chosen to reapply and thanks to what I have read we will be looking elsewhere. I’m sure there are other companies willing to insure 3 cars for someone who has never had a ticket or claim or missed a payment in 26 years. It also seems to me that we were “randomly picked” because our 16-year-old daughter just received her learners permit. And although there it is not supposed to affect your insurance as a parent, this is their way of increasing your premiums...
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Terrible!

 
(1.0 out of 5 stars)
by Laura H Apr 25, 2019
...Could not be more upset with Aviva Insurance, I had 2 policies with them; 1 policy which had a vehicle and another policy which has a vehicle and a house. Aviva automatically renewed my insurance policy for the house and 1 vehicle in November for another year and then when my second policy came up for renewal in December they made me fill out a bunch of bogus paperwork to renew that separate policy. I have friends that work in the insurance industry and said that Aviva was re-evaluating me as a customer because my premiums were not high enough (this would have been ok if they just raised it but the fact they made me reapply for one policy and not the other with the most non-user friendly paperwork to fill out ...) we all know how the economy works..... I ended having to get different insurance for my one vehicle and they were going to charge over $500 to cancel my home and auto with them because they just renewed it automatically the month before. My recommendation is to get a broker and tell them to not even look twice at AVIVA. The worse kind of customer service experience I have ever encountered. DO NOT CHOOSE AVIVA...
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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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Just Don't Trust

 
(1.0 out of 5 stars)
by Rono Apr 16, 2019
...I'm a 50-year male that has been driving for 35 years and never had one claim...and never so much have got a speeding ticket. I was with Dalton Timmis insurance happily, until they got purchase by Aviva. First I was sent the ridiculous 5 pages of forms to be completed and sent back...despite them already have all the information already. Fine...whatever...I complete it and send it back, only to be informed that my rates have gone up and they want the entire year paid in advance, instead of month to month. Again...I have never even got a speeding ticket in my life...zero accidents or claims. Then...to top it off...after I informed them, that I will be taking my business elsewhere, they sent me an email saying I needed to complete the attached cancellation form. Begrudgingly I opened the attachment and instead of a cancellation form, they had sent me someone else's insurance forms. I'm sure that person would love to know that his personal information is being sent out to strangers. I'm not sure if they are just trying to run their company into the ground or drive business elsewhere...but in either case..it's working...
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STAY AWAY

 
(1.0 out of 5 stars)
by Alli P Apr 10, 2019
...Absolute garbage company. Got my notification in the mail for my renewal. Come to find out they increased my premiums for home and auto insurance. After 6 years with them, this is how they treat my husband and I. He had 1 minor traffic ticket and they tried to blame it on that. Normal insurance companies decrease your rates over time. Not RBC Aviva... Not a chance. The representative then informs me that they applied to whomever to be able to increase everyone's premiums... they increased it alright... They got approved to increase their premiums by 20%!! This is absolutely absurd. My car insurance increased by almost $100 and my tenant insurance increased by $20! Unreal. It's almost criminal how they're allowed to get away with this. Ever since they partnered up with Aviva everything has gone to crap. Stay away from them. Save your money and go elsewhere...
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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.