Aviva Auto Insurance Reviews

Was in a not at fault accident and had to send them the highway traffic act and dashcam video and was still called at fault until the other party's insurance saw the video and took full fault. The woman dealing with my case was so rude. When I had issues with how it was all being handled and the rental car I was told by their manager that "if I didn't like the rental car a bus pass could always be supplied." I have never had such a horrible experience with a company, let alone one I'm spending $4000+ at a year. When my year is up (which can't come fast enough) I'm getting away from this corrupted company forever!

I’m writing this review because I am extremely disappointed at how AVIVA treated my wife and I when we made a claim for our stolen vehicle which was found a week later by the police in a damaged condition. First of all, when we first called AVIVA to get the case put through (November 14, 2016) it took forever to get a hold of Gorman (The Manager). Gorman never returned our calls and refused to make our case a priority. It took a couple of weeks of constantly calling until finally they gave us the number for the Toronto head office. By law they are supposed to come see me within 24 hours of the reported incident –stolen & damaged vehicle (which they didn’t). Second of all, once the incident was filled, they never got us a rental car as they promised they would when we signed our insurance to them in the beginning. Not only did I have to find my own rental but yet I had to pay for the full cost myself! My case was investigated by Debbie T. who is located in the Toronto head office. We gave all our information to her so that she could conduct an investigation. My wife and I even agreed to go Under Oath and aid in securing information and evidence to assist in verifying the evidence. After all this Debbie T. still denied us and treated us like we were criminals! Consequently, Megan S. (AVIVA General Insurance Adjuster) claimed that they will not put our file through since there “seemed to be some discrepancies between our evidence and the productions”. No further information was explained in the letter of rejection! I have all my insurance with RBC, I tried to get them to help me with the case but they kept of brushing us off and made us deal straight with AVIVA. Andrew M. from RBC was the broker who was supposed to help us, yet he did not do anything! The lack of customer service in RBC - AVIVA is horrible. My family signed up for insurance so that we don’t have to worry about cases like these, but in the end insurance companies will do anything to try and not pay you out - the victim. Moreover, AVIVA still has my damaged car, they have not indicated what they are going to do with it. After speaking to a couple of lawyers they told us that insurance companies will drag their feet on an investigation, knowing there is time limit to sue (2 years). He said there is never absolutely no reason they don’t pay. They’ll just use every excuse in the book to not pay out a claim. Insurance companies have nothing to lose by denying the claim, unless you keep persistent and sue them! My wife and I work full-time and have three small children, we do not have time to be playing petty games with the insurance company. We will not let them treat us like criminals when the crime was done to us! This case will not be left alone, I am working with a lawyer right now to handle the case and sue AVIVA. We are also filling a complaint to the Canadian Better Business Bureau, and forwarding this to as many communication outlets so that other innocent families like us don’t fall for insurance companies like AVIVA Canada. There is a reason AVIVA has the worst ratings and reviews, do yourself a favor and stay away from them!

I am reading all these, and I am pulling my hair. why didn't I read these before, all TRUE, or seems TRUE, or going to be TRUE.

I am in Canada, and just learned that RBC sold its insurance business to Aviva.

I feel sorry for you, and for myself, that no doubt, I am going to have the same nightmare. My first conversation with adjuster today, verbally offered me 24k for my super mint MDX ELITE 2011 with low mileage, that you hardly find at 28k. And when i said wow, that is too low, she threatened me that she will pull out rental as of today. BECAUSE SHE MADE AN OFFER. this is just 7 days past accident!!!

So, that is nice business, offer a low value, and pull the rental if customer doesn't accept. Put pressure on a family who got in accident and lost their primary car. I didn't know this is how insurance suppose to work!!!

long story short had car accident waited approx 4weeks for them to tell me that, then first adjuster contacts me then a week later starts the process of refund wait and wait nothing 3 weeks go by nothing even tried emailing her nothing email are bouncing back.I had to go through Aviva website to get someone to get back at me someone does she starts the process now since i only had so much money allocated for rental and now I'm over my limit they want me to return car . Why should I pay for their SCREW-UP

I was in a car accident, I was hit by a driver with no insurance at a stop sign. He totaled my car. They had me a rental the very next morning ( that was the ONLY good part) I had a mazda 6 with nothing wrong with it ( other than the back wheel frame was starting to rust) I had 700$ brand new tires on it not even 2 months old.. They took 2 weeks to tell me they would offer my 1900$ for the car in total ( complete rip off, I had 5 appraisers tell me I could have sold that car for an easy 6000$) They informed me that they would cover the rental for 3 days after the offer. I told them that I didn't feel the offer was fair, and they said the rental would need to be returned regardless if I accepted or not because they gave me the offer.. So with work, 3 year old, 2 adults,1 person income..I was forced into taking the money... Told me I would have the cheque in 5 business days..... Well lord and behold.. a week and a half passes.. No cheque? Called in, "sorry, there was misconfusion and the cheque only got mailed yesturday".. So had to return the rental.. And took 3 weeks and 4 days in total to get the cheque... Horrible..
I was without a car for a FULL month.. I requested my mays payment back for paying for a month with no car... In short. They basically told me to bad so sad, screw you. I told them when the renew policy comes up I would not be renewing.. Their response to that was. " That's your decision"...
Injury claim was presented which I accepted ( only took A little over 2 months for them to make an offer)... Its now been a week, and still no cheque.. emailed them and "oops sorry, could take another 5 buisness days".
I requested it to go direct deposit into my account. They said "that is not an option we have".. Well jeeze. They sure don't mind taking my money out of my account directly.. But wont put it in directly..?

I'm still waiting on a lady to get back to me about loss of wages, medication cost, therapy.. The lady handling my claim emailed me.. I emailed her back with a bunch of questions.. And its been over a month and numerous emails.. And no response..
AVOID Aviva at all cost. Come September I will be switching for sure. 6 years with this company with no issues. 1 care accident and this is the service they give.

We had our vehicle written off after a 'not at fault' accident. Aviva was very quick get us to return the rental vehicle that was promised to us with no limit on time.
They told us the amount they were covering to pay for our vehicle and that it was in the mail, so therefore return the rental. 8 days later no cheque (no rental anymore) and when we contacted them they said we did not say it was mailed yet and we just mailed it yesterday. BIG FAT LIE.
During these eight days I scrambled to find a new vehicle and eventually did but when it came time to buy it....no cheque still. The rude woman from Aviva came up with more mumbo jumbo as to why the cheque was not there and also implied that I was being somewhat of a pest. Bye bye Aviva...never again.

my truck was stolen while I was travelling i had reported a claim to aviva , in this case i knew the individual who had taken and crashed my truck, my truck was written off. after battling for a month with aviva over trying to settle this claim, they stated that i had to press charges against this person in order to settle the claim (last i checked its the RCMP's job to lay charges towards anyone not mine, i can only give a statement) i argued this point to the insurance for a long time, further more although offered at first they stated i was not entitled to a rental car although i had been told in the past i had 900 dollars credit towards a rental "the case is under investigation without prejudice and im not entitled to one i can get one and ask for reimbursement later" i was told, finally the Sargent of the police station had to phone the agent to tell him that a warrant had been issued and they are searching for the individual involved so the agent authorized a rental for a week and offered me a claim now starts the low balling they offered me 2000 less then what i had found the fair market value to be on my truck i told them this they asked me to submitt 3 similiar trucks kms make model year so i found two that are similar other then that it is hard to find a truck of this calibre ( it was well maintained with low kms for its year) i found two they were not from alberta so she dismissed them i also showed her the appraised value on kelly blue book they couldnt open the link. i am still battling over this its month two.

this story it stands to show that as a customer with aviva your words carry no weight and they drag on this process to try and make you except there low offer i have had 3 different agents they all have taken leaves of absence and have literally only received one email a day from 2 of the agents although i have sent several different emails and questions regarding the proccess that they have said i have to follow and they do not answer there phone so dont bother calling you can only request that they call you back via email which will take a day to reply and set up a call time, as well they have made me jump threw many hoops with the RCMP who has also told me its to seperate things your truck being stolen and someone being charged with theift.

they do not have your best interest in mind and they are trying to save money they are not on your side.

It was very stressful dealing with this company. So hard to get a hold of them ,they take their time to reply or don't reply at all given that the circumstance is Urgent. The people I dealt with are very unprofessional and rude. They did not pay me the value of my car, ended my rental and refused to extend it , they have no sense of communication and on top of that it took them 6 months to send a check after the fact that I agreed to their settlement. If I could give them 0 stars I definitely would. I would not ever advice any of my friends, family or associates to go with Aviva. Not even my worst enemy!!

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.

For anyone that has auto insurance from Aviva Canada, I strongly suggest you find a new provider and for anyone who is contemplating using them for insurance to stay well clear of them. They are a horror story and only want your money and will find any excuse to avoid payouts. Here is my horror story. I have had them for over 10 years as my auto insurance provider and dutifully paid the premiums on time, every time, even when I heard others had cheaper premiums with other companies. Stupid me. On July 2018 I was involved in an auto collision. The other driver was at fault and was charged with careless driving by the police officer. It was my bad luck that he also had Aviva insurance. I reported the accident in same day. Aviva quickly wrote off the vehicle, even though the damage did not seem that extensive, and lowballed me on the payout. Less than half of what I paid 2 years prior. I argued that I had done some major repair work on it 6 months prior and should be at least partially compensated for that as well. According to Aviva that is apparently where I committed a sin. It seems we cannot question being ripped off by them. After 1 month of no definitive answers from them, in frustration, I cancelled my multiple auto and property policies with Aviva. They lost a total of $6,600 annual premiums because of their unprofessional approach. And really for a mere $12,000 claim. That appeared to have been my second mistake. I believe that they thought it was now payback for cancelling my policies. They took over 6 months to make a case that the work was not done as detailed in the receipts I provided. They put me through phone and an in-person interrogation (the Gestapo could not have done a better job). The end result was that they declined my claim including the car rental I used for 1 week after the accident. While it may be true that the auto shop cheated me on the work done in the bills, they should have simply declined the receipts and maintained their original offer, low as it was. Talk about adding salt to a wound. I have now retained a lawyer and proceeding with legal action against Aviva. Stay away from this scam of a company.