Independent Auto Insurance Reviews

Aviva Auto Insurance Reviews

(71 reviews)
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Category: Switching, Cancellation
(1.3 out of 5 stars)
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Crazy price increase

 
(1.0 out of 5 stars)
by Markian Dec 16, 2019
...How Aviva (RBC) stays in business I have no idea? They jacked up my rates 67% for my house and 47% for my cars. I have had no claims ever. Very polite service representatives who could not explain the price increase nor would they offer anyone more senior who could. I quickly changed companies after years with RBC...
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They are just awful!

 
(1.0 out of 5 stars)
by UpsetJay Nov 18, 2019
...They just want every cent you have without caring about the customers they have insured. I was in an accident that was not my fault. My accident was a clear textbook accident and you could identify it on the "Fault Determination Act" for New Brunswick no problem. I am not even an insurance adjuster. When I first spoke with them they told me I was 100 percent at fault. Then I had argued the facts to make my case and she then advised me she would call me back. After not hearing from her for a few days I had called and left a voicemail. She then called me back with the biggest attitude I have ever heard over the phone and said I would be 25% at fault. I don't understand how this would occur so I continued to stand up for myself and when all was said and done she threatened me and said: "Well if you want I can just make you 100% at fault". This is when I lost it and went above her head. But even then it was still a nightmare. I know most insurance companies want your money but this was just ridiculous. I am finally able to leave this company and I am so happy. This is the worst insurance company. What was RBC thinking?! Stay away from this company everyone. Just because you with RBC doesn't mean you need to purchase their insurance as well...
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BEWARE, TOTAL SCAMMERS

 
(1.0 out of 5 stars)
by waltontg Nov 16, 2019
...I was a client of RBC insurance for 18 years, then Aviva bought them or into them. Back in 2016 in bad weather, I had the misfortune of sliding on pure ice on the roads and bumping into the car ahead of me when they bumped into the car ahead of them. They had a crack in their plastic bumper, I needed a new grille and front bumper. RBC told me not to worry go get it fixed, nothing will show on your record. 1 FREE CLAIM AWARD. RBC was great alone in 2017 I had a young lady with a G2 for only a week ran into the side of my truck on her way to work at an intersection, as she stated she was speeding and was late for work. After calling Aviva I was told to get a police report and I did, police deemed it no-fault. Aviva told me to take my truck to their shop, I did and was told 4300.00 in repairs, and 500 deductible... I decided to shop around. I got 4 quotes from quality shops, not one single quote was over 3100.00, the cheapest was 2800. When I called the Aviva adjuster I was assigned to she told me they would not cover the repairs unless I went to their shop. So, after telling her it should be my choice where I take my truck, not theirs. She informed me that after reviewing my file they are only going to cover 2600 in repairs unless I go to there shop. This same adjuster told me my premium would not be going up it would stay the same, until I took my truck to my choice of repair shop, soon as she found this out 2 weeks after the fact, all of a sudden she calls me to tell me she has determined this accident was my fault and my Premium would be going up, I was paying 1100.00 a year, with her determination my new premium would be 4856.00 a year! I followed up with many emails and calls, she would ignore me until the day I left her a VM saying I was going above her paygrade. A manager called me a week later, after discussing the facts, he told me there was not much he could do about the adjuster decision. I argued with him until he put a quote specialist on the call, once we had a below paygrade of everyone else on the phone this adjuster/customer service agent asked how I had gone from a 6 star client to a 1 star for a minor accident claim, he told me usually only see that if someone was drinking /driving, speed causing an accident . After this gentleman looked into my file (remember a customer service advisor) he changed my status to a 4 star, with a premium of 2300 a year. But I did not get the last laugh, just recently (guessing I was flagged) my monthly payment kept getting returned happened 4 times in the last year, but each time I would call and ask why they were returning my payment, some sort of PC glitch. Well, this past week I received a registered letter saying my insurance was cancelled due to late payments. I decided to shop around and get away from these crooks! Everywhere I call I'm told I have 2 accidents (one was a gimmie by RBC over 3 yrs ago) plus I have 4 late payments ( not my fault), so now no one will touch me for insurance. Found one company that wants almost 5000 a year and a half upfront. Thank you Aviva...
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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.
 

Worst customer service

 
(1.0 out of 5 stars)
by Jtan87 Oct 30, 2019
...I’ve had RBC auto insurance (underwritten by Aviva) for at least 6 years now. I chose this because I banked with RBC. Figured there would be some loyalty rewards. Fast forward 6 years to today. I’ve never claimed an accident or anything at all. Not for auto. For home. For life. For anything. I’ve just systematically been paying my premiums. Out of the blue, they tell me my policy will be cancelled 10/01/19 because I never filled out an application that was never received. They let me worry about coverage for days before confirm that I was still covered until they had reviewed my application. Almost a month later, 10/30/19, I get another letter saying I had $1890 past due. This coincidentally is my annual premium amount. I called customer service to inquire what this is about, as for my tenure as a client, I’ve always paid monthly. Auto withdrawals never skipped a beat. Now the guy who takes my call informs me that this is a new law. Everyone in AB must pay annually. I asked, can I maybe pay half now. And half in two weeks when I get paid? Nope. No way around it. Must pay in full by 11/04/19 or my policy is cancelled. Asked if this was regarding some new legislation being passed (given we just had a provincial election not too long ago, and a federal one a few weeks ago). Guy then fesses up, says it’s a new policy Aviva under RBC is enforcing. I ask him then, to see what other policies I have active. And word for word he tells me, “ there are over 25 pages with people with the same last name as yours. And you want me to find you?” At this point, I was shocked. 1. Have you not already pulled my account? 2. If so, do it again. Use my first and last name.DOB, address, number etc. He then repeated himself. And I replied with “so you’re saying that it is beyond you and your scope of work to search for any policies I am currently still paying for? Answer carefully because I know this is recorded”. He then quickly finds the knowledge to search. And abruptly tries to transfer me to someone else. I told him never mind. As he’s been enough help for me today. I end the call and call another insurance. They’re more than happy to help me. They’re more than happy to get my business. All that, and guess what, even saves me $200 annually. I call RBC back to cancel. And this new representative tells me there is a cancellation fee for cancelling midterm. I argue and say, I would love to have had continued my policy. But you’re asking for a large amount of money, and the time frame of less than two weeks is ridiculous. Not to mention, the audacity of strong-arming me do this without any warning or notice. They told me I had to pay for the one month over coverage for the month of October. I was covered it never got width drawn. So I agreed to this payment. But then they tried to tack on a random $283 charge on top of the $167 premium for the month. I asked for a cost break down. On where they’re pulling this cancellation fee. And she told me it’s because I’m cancelling. Ironically, I’m only cancelling because they backed me into a corner. Either I had to fork up over almost $2000 and if I didn’t want to oh that right away then my conciliation prize was the cancellation fee? Not today RBC. I argued a bit more. And they decided to waive the cancellation fee. Long story short, RBC insurance. And Aviva, the underwriter, are crooks through and through. I warn anyone reading this. Beware...
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Hope you don't have a problem

 
(1.0 out of 5 stars)
by Dan Unhappy Oct 21, 2019
...Cancelled my policy and they're charging me for the time it took them to do it. When I called to see if they would fix this they told me not a chance. That was my problem. Thanks for all your help and support Aviva. I will never use you again or recommend you to anyone...
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Cancellation

 
(1.0 out of 5 stars)
by jmartinez Oct 07, 2019
...Their customer service so bad. It took me more than a week for the cancellation of my auto and home insurance policy and my refund. I called them on the phone many times and still unable to process the cancellation and I already faxed to them all the necessary signed documents for the cancellation. They all make so many excuses delaying the cancellation. They are giving me a difficult time and I spoke to several insurance advisors on the phone who are not able to resolve my concern. Now I have to go and see them in person to show them my new auto&home insurance policy from another company for them to process my cancellation. But they could already advise the first time to go in person for quick and sure processing of my cancellation. I experienced really bad customer service. I don't recommend this company to anyone...
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Terrible Terrible Company

 
(1.0 out of 5 stars)
by peter Sep 25, 2019
...I have the same experience as most other people. After paying premiums for 15 years, my car insurance was cancelled after a no-fault accident and now my house is in cancelled because of a $10,000 flood claim. They downgraded my driving rating to a new driver for a no-fault accident. This company is not accredited by the better business bureau and I'm surprised that RBC associates themselves with such unscrupulous business practices...
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Did you know that on average Ontario drivers with good driving records pay $1,805/year in auto insurance? Is your insurance rate higher? Get a free car insurance quote and start saving today.
 

THE WORST COMPANY EVER

 
(1.0 out of 5 stars)
by Maddie Sep 18, 2019
...Been with them for 3 years (and it is my first time having insurance) I never had a late payment, and haven’t caused an accident. May of 2018 I had someone sideswipe me, who was late getting in the lane, didn’t check their blind spot, didn't even use their blinker... swiped me so hard! My front passenger wheel was ON THE CURB. The police report was made, and I had 3 witnesses. 4 months later I get a letter in the mail saying due to a faulty accident my policy will not be renewed (a few weeks before I got my brand new car and was upgrading to full coverage) I had fought with them as it was nowhere’s near my fault. (The lady had lied in her claim and said I reared ended her when the damage was on the SIDE of my car) After about a month the claim was changed to 50/50 because it involved lane switching? That was the stupidest thing I’ve ever heard when I was clearly beside her when she attempted to switch over in the lane. (It also happen at an intersection, right turning lane, as soon as the right lane opened, I had gotten into the lane. She crossed over a solid white line and hit me) Aviva said that they still can’t renew my policy after it was changed to 50/50 so I had to switch. All of this caused my insurance to sky rocket! Save yourself the headache! They are good when you don’t need anything from them, but the moment you do, they are literally useless. They don’t care about their customers, I felt mistreated and not listen to, and brushed off. I will never have good things to say about them and all my friends and family have been warned, who has also warned others. If I could give zero stars I would. Not even worthy enough to have the one. Now with Customer Service. I was transferred all around before I actually got to the right person. For a while, I never heard back from anyone, and nobody could give me any answers on anything. And Everyone was so unpleasant to speak with besides one gentleman, who I think understood how I was feeling, and he tried his best to renew my policy...
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Cancelled - refund slow

 
(1.0 out of 5 stars)
by Victoria Sep 18, 2019
...After I purchased my insurance for my new car, I asked the agent if there was a cooling-off period for the contract if I had second thoughts the next day, and was assured that would be no problem. Then, I contacted the company the next day to cancel, send the required documents as requested (scanned copies) and was told that the policy would be cancelled immediately. Well, that was around August 23 and it is now September 17 and I have not received a refund. My husband contacted the company today and they said they were putting a "cheque in the mail" today. What horrible service! I'm not at all impressed, and may also pursue this with Consumer Protection BC...
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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.
 

A Shameful Company

 
(1.0 out of 5 stars)
by Unhappy52 Sep 04, 2019
...After years of being a customer of RBC insurance and then Aviva, I have left because of the shameful treatment I have received. On the Friday of the holiday weekend, I received a letter from Aviva saying that my auto insurance was cancelled because I had not filled out an application for insurance form. Why did I need to fill in this form that apparently was sent to me but admittedly on their part was returned in the mail? Because that was there "new" policy. Never mind that I was left with no auto insurance over the long weekend, nor let's not consider the fact that all the information they requested they already had. This was clearly an effort to raise rates. Then to add insult to injury when I phoned them after the long weekend, they said that now I would have to play by a new set of rules which would take another two weeks to put in place. When I mentioned I've just spoken to their representative three days before the long weekend on another matter and there was no mention of this, they said perhaps I should contact an insurance broker.....and I did. Thank you for the advice, now I have the same coverage for much less money. Shame on you, AVIVA...
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Stay Away from this company

 
(1.0 out of 5 stars)
by mark Sep 03, 2019
...Would give less than 1 if possible. Must be said that AVIVA/RBC are the same. Have had nothing but nightmares dealing with adjusters (Never call back or answer emails, send incorrect info, etc). We lost our cars due to a tornado and took 4 months to get things resolved. But the latest just kicks the bucket. My daughters insurance (perfect driving record, no claims) went up 48% because they decided to remove the typical discounts that are available everywhere else such as Student discount, multi-vehicle discount, web quote discount, winter tire discount. We have been with them for almost 12 years. Will be moving to another company (4 cars, 3 houses). Unbelievable how this company does not care about its clients...
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