Aviva Auto Insurance Reviews

We are retired. No accidents. No tickets. Have been customers of RBC Insurance and (now Aviva) for the past 35 years. We live in a low-risk community and drive a Hyundai and a Ford. How can they possibly justify an increase of both our auto and home insurance by 39%?! We hate change but NO WAY we will be assaulted by this corporate greed. Shop around folks.

This company is absolutely awful. They are the first company that I used for my car insurance and when they were under RBC, they were great but the minute they switched to Aviva, they were absolutely horrible. They more than tripled my policy amount over two years then suddenly cancelled my entire policy without a word. Not even one claim or at-fault accident on my file. They are absolutely disgusting and the worst. I hate this company.

Over 30 years with Aviva. NO claims, NO accidents, never a payment missed. On renewal, premium increased by $600.00 for no cause at all. Left for a better Co. Wish them well.

I have been insured with RBC for years and didn't have any issue! I've been driving for more than 10 yrs and for the first time my insurance was cancelled! I received an email on Oct. 30, 2018, regarding a missed payment for Oct.15, 2018 and a note on the bottom to disregard the email if payment has been made. I could've disregarded the email but rather replied informing them of an online payment made Oct. 17, 2019. I didn't receive any calls, nor email assuming everything is okay. I have been trying to contact them since the day I moved to the new address as I wanted to get home insurance. Called several times and on hold for 40mins-1h. One day I decided to press the key that corresponds to the sales department. My call was answered in less than two mins. The agent was unable to give me a quote as I have an existing car insurance and someone will give me a callback. I provided him with my new address so they would have an idea. Anyhow, I called back in Dec. 2018 to get a home insurance quote as no one ever called or emailed me! This is the day I was informed that my car insurance was cancelled effective Nov. 20, 2018, as late fees $40 were not included on that payment I have made online! The 2 registered emails were mailed and returned. Yet they had sent me my $150 refund through same mail! Hello?? All I hear is computer generated! Yes, blame it on the computer! Insurance cancelled >> computer generated! What's the point of having employees if everything is generated by a computer?? They didn't even bother trying to take that $40 on my bank account that obviously I will call them if I had just made a payment! I drive my kids to school not knowing I no longer have a car insurance! MY CAR INSURANCE HAS MORE THAN DOUBLED JUST BECAUSE OF $40? It's already a struggle for a single parent to make ends meet then THANKS TO AVIVA FOR ADDING UP TO MY PROBLEMS!!!

I have been with RBC / Aviva for 20+ years and 11+ years without a claim, had house, car and motorcycle coverage with them. Never missed or have been late with a payment. My premium has gone up consistently, ...this year a whopping 20+%. I had the same reapplication problems as others, which was ridiculous. I know that the price indexes have not been increasing at the same rate as insurance premiums, and insurance profit levels seem to be consistently amazing, compared to other profit industries. The insurance industry seems to be very concerned with policyholder credibility and misrepresentation, yet not so much with their own. Allowing any profit industry to set its own rates on anything that is mandatory by law is irresponsible. This needs to change!

Aviva sent a registered letter at the end of November during the postal strike wanting us to reapply for auto insurance after we had been with them for 9 years. The forms were received just before Christmas, which were 5 pages of jargon I didn't even understand. We filled them out and sent them back, they didn't receive them until January 14th...our policy expired on the 12th. When I finally got ahold of someone after 45 minutes of being on hold 3 separate times, they told me that I did not fill out the forms correctly and they would mail them back to me to fix. I told them I can't go without insurance and asked if I could have a grace period. They said no and absolutely refused to help me. Then told me if I wanted to stay with them that it would be up to 5 weeks with no insurance before it is sorted out. Their exact words were "well, if you need insurance today, then go somewhere else". All the agents I spoke with refused to let me talk to a manager and said they would put in a note on my file for one to call in roughly 5 business days. On top of all this, I have made monthly payments with them for 9 years, not once did I miss a payment. They said that because I lapsed I am deemed a "threat" for non-payment and they want a credit card number for full payment before they even reviewed a so-called new policy. My driving record is spotless, I have zero claims and this is how they treat a customer. These people need to be reported to the BBB. What a scam to jack rates. Horrible Company. Thankfully, I was able to get insurance with another company with better benefits and customer service. DO NOT USE AVIVA.

I've been with RBC (Aviva) Insurance for 10 years and with RBC for 20 years. They sent me that dreaded letter too at the beginning of December stating that I would have to reapply for my insurance and must pay the year's premium upfront, which left me struggling to get other quotes. I eventually caved and filled out the paperwork, with pen and paper, and mailed in the letter on December 28 (my policy was up for renewal on January 7). Jan 7 was a Monday and the policy expired 12:01 AM that morning with the previous week being the holidays and they were closed! When I got ahold of them that morning, the operator informed me that they had not received the letter. I neglected to send the letter tracked and as soon as I answered that the operator told me that I was out of luck and they would not be renewing my policy. I was paying $1600/year for 2 vehicles with one claim 5 years old. They quoted me almost $7000/year for a new quote after cancelling my policy and everywhere else won't offer a premium under $2700/year. Who does that?? There's got to be something that the government can do to put a leash on this company.

I filled out a form which I called to have them give me all the information for this form they where requesting. Sent the form in. Never heard anything. I got a registered letter that they are cancelling my insurance in my car. They stated I missed one checkbox and they sent a letter to have fixed. They didn't send me another letter but instead a registered letter to cancel. I figured I could call to fix this issue. Nope, nothing they can do. I must reapply as a new customer. Someone how the new quote is higher than my renewal. Worst customer service. So they want to cancel one car. So now I am going to cancel all three cars, the primary home and my three revenue properties. They don’t care what so ever. Ask for supervisor sorry no is there. Ask for escalation. Two to Three weeks for a callback?! STAY AWAY FROM THIS COMPANY.

So I have been with Aviva thru RBC for almost 4 years and it has been the worst experience ever. I rolled my truck over on icy roads but didn't hit anybody. I didn't file a claim, I wasn't insured for that. She made me remove my insurance and said to call back when I get another car. Got another car, call them and now 'cause she removed my insurance, I'm like a new customer, so I had to do the whole process again and will have to wait 3 or 4 weeks to get the paperwork process. Also, I did monthly payments before my accident and she told me the guidelines had changed and I will have to make a full payment of $1000. This is craziness!!! Ya right, I have been with no car for a month and they want me to wait another month and pay a full year, no way!! I'm with a different company now and glad to be done with them. I wish they shut down and usually it happen when I do. I do believe in karma and karma will be back on them. If I could, I would not get any star at all but I can't, I'm just saying.

Had a 5,000 claim in 2015, in 2017 Aviva partnered with RBC as the underwriter and then they cancelled my insurance 1 month before my renewal!!! RBC said AVIVA sent me a re-application via snail mail (which I never received). Because I didn't "reapply within 2 weeks, they sent a "registered" letter informing me my policy is cancelled and they no longer want me as a customer. AFTER 15 years of being a customer, never missing a payment! No changes in my vehicles or driver rating. (They actually said they would NOT cancel my House insurance! LOL). BEWARE, Aviva now RUNS RBC insurance and the complaints line I called said they are targeting longtime customers and snuffing them out as most have a declining deductible clause (my $500 deductible was at $0 because of my 15 years of "Loyalty"), haha. They ACTUALLY said I qualify for the exact same coverage after the RBC agent issued me a quote and I would have NO lapse in coverage, HOWEVER, there would be $150 rate hike and I would lose all accrued loyalty benefits such as my declining deductible, which was at $0, so re-set to $500. RBC's bait and switch predatory practices are despicable, I don't believe they ever mailed me any re-application/renewal forms and obviously by not emailing me or calling me to notify me about pending policy cancelation (they had my email and home phone number on file for years) they obviously targeted me and are looking to get rid of long-term customers. The RBC insurance Rep apologized for AVIVA's unscrupulous corporate tactics as this is new to RBC, she sounded embarrassed after admitting she is getting multiple calls from longtime customers with similar complaints. Note RBC does not target new customers, within the last 2 years, rather longtime loyal customers they want to get rid of. Good luck RBC, I'm lodging a complaint with the Ontario Insurance Ombudsman and notifying my Union, my workplace as well as my friends and family to steer clear of RBC! AVOID the renewal cancellation hassle by RBC auto insurance.