Aviva Auto Insurance Reviews

A careless driver rammed my car from behind in January 2019. Both cars have deemed a write-off. Because I was driving 50 km away from my home, Aviva has me under investigation. The person who was on their cell phone who rear-ended me has been rewarded with a new car and is back on the road. Its been 9 months and I am still making a monthly payment to the company that I financed my car from and I still have no word from Aviva.

For the first year, we paid the full amount upfront. The second year we wanted to do a payment plan which they said they would only do for $800 more. Now you have to pay the full amount upfront and I do not know a lot of people that have 3000$ at the drop of a dime. Furthermore, now we get a threatening letter saying if we don’t apply for insurance because of a random audit, they will just drop the policy. Nice job Aviva. I hope you go under.

Aviva raised my rates for 3 cars and home from $2100/year to $3360/year and demanded full payment upfront. I have a driving and credit rating that would make a veteran police officer look like a punk kid. Some of us didn't deserve this, life is hard enough.

I was forced to fill out a paper form with the threat of cancelling my insurance on me if I did not, after almost 3 years of insurance with them, then they claimed I didn't send it in because I didn't fill out sections of the form that only an insurance agent would know to fill out. I called to check on the second time around and was informed they no longer do monthly payments but require the whole thing upfront. Really? I've never missed a payment, and I would expect with that kind of change I should have at least 6 months notice so I could actually save up, but no... Apparently they assume the average Canadian can pull $2000 out of thin air. I cancelled as a result.

A lazy company, making bad decisions, losing customers by the boatload. Are you kidding me? 1. Fill out these ridiculous forms to tell us all the things we already know, cause we're too busy to give you an online tool to help you out, oh and, 2. Thanks for your years of on-time, monthly payments, but we'll require your entire annual premium upfront. Why do you ask? Because there's a lot of bad actors out there and you need to pay for their "poor decision making". Shame on you RBC.

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.

I returned from vacation to find a notice in the mail that Aviva wants a full year worth of payment's all at once or they'll cancel my policy. NO prior warnings, NO e-mails, NO texts yes folks, snail mail 3-4 days lost already. Even if I was home to view the notice two weeks ago, isn't enough time to come up with thousands of dollars. I tried to call but the call center is closed at 7 pm. When I finally got a hold of someone, they said they have all my contact info but didn't use it. Even if I could hand over $5000.00 immediately they would take 2 weeks to review a new policy and I would be without insurance until then. I had no choice and signed with another company and when I told them, after 9 years, I had to move on they said "No Problem" "Its cancelled goodbye"!

Thank you RBC and Aviva Insurance... after 28 years with RBC Insurance and now Aviva they cancel our insurance because my 24-year-old son was driving 140 in a 100 zone on a 400 series highway....yup, going way too fast for sure. He is 24 and his only ticket, no tickets or accidents for my wife and me or accidents. I estimate over 28 years we have paid over $236,000 in premiums for our life insurance, home, rental properties and auto without a single claim....currently we pay a tad over $1,000 per month in premiums with Aviva for all of our business....absolutely blown away that for one mistake over 28 years, we are dropped at renewal date. Isn't insurance for when you make a mistake or have a claim? After speaking with RBC, the operator said " thank you for calling RBC and we value your business " lol, they simply do not care about relationships...oh well, I am sure another provider will value having our auto, life, home and rental property policies...

Got my renewal notice from Aviva, and all of a sudden they're asking for the FULL premium upfront. I DON'T THINK SO AVIVA... I am a long-time client, no claims, no tickets. And you've gone and lost my business with this boneheaded move. DO NOT sign up with Aviva. They'll drop something like this on you without warning, and you'll be left scrambling to make other arrangements if you can't come up with the coin in 45 days.

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!