Aviva Auto Insurance Reviews

Horrible appraiser! First they offer $3,000 on an $18,000 car.
Then take 4 weeks to say it can't be repaired as subframe isn't available in North America. So will give me $3,600 to source a frame overseas and arrange repairs myself.
Yeah, $3,600 isnt even close to enough. And a wrecking yard subframe? That sounds safe.

This company is the worst company I have ever experienced they really harassed me with my auto claim. First of all, they took a whole month to just take my claim on top of it they lied to me they said your car since it has high mileage it will be written off, but they took another month just to find out if they should write it off or repair it. My car was totally totaled from the front end also all the wiring harness and fuse box were burnout but instead of sanding it to salvage they repaid a salvage vehicle and made it active. At first, they told me the repairs will cost me $4000 I ended up paying $10500, this is one of the worst companies to deal with! Please, find a better company. Aviva is a liar and thief when comes to an auto insurance claim.

Terrible claim experience! An adjuster refused to visit a shop - thought we had a choice of where to get our vehicles repaired. Apparently NOT! Customer service lied to me about sending out emails to get COVID relief! Rates went up under COVID! The most expensive company as well, so we will shop around. Goodbye Aviva.

My Vehicle was hit 3 times in 4 years. The first time the driver stayed and all information were exchanged, he admitted FULL fault to me and the police. The second time the driver took off, the third time AVIVA refused to cover it (surprise) I had to pay for it. I was not in my vehicle any of the times it was hit by another driver making it NO FAULT of mine. Then a rock hit my windscreen and I had to have it replaced. This year in 2020 AVIVA sent me a letter cancelling my insurance due to "4 events in 4 years" now remember event one the driver stayed, event two the driver ran, event three AVIVA refused to pay, and event four was a rock. I have never had a ticket and have been driving for 20 years, also have NEVER had an AT FAULT accident. Also during event number two the hit and run where the driver fled, the garage that AVIVA insisted that I go to cause an additional 1400.00 in damages to my vehicle. I called their Ombudsperson who naturally sided with AVIVA and I had to pay to repair the 1400.00 in damages out of my own pocket. We had (I say "had" as I am in the process of cancelling) my vehicle, my wife's vehicle and my house insurance with AVIVA - Count yourself very lucky AVIVA that lawyers are so expensive and that you are simply not worth the headache because if I had the time and the energy I would sue them. You treat your customers like garbage. But boy do you guys like to make sure to collect your premiums. Sure like to break your contracts though. Dishonest, lying company.

If I could give them a rating of MINUS 5, I would. Their service is absolutely TERRIBLE! My car was involved in no-fault accident and it took Aviva 4 MONTHS to settle the claim. They refused to fix my car... yet the amount of time & money they wasted on storage fess & car rental fees could have been used to fix my car... with money left over! They're unbelievably slow and if you don't call to follow up on your claim they'll literally never contact you. My adjuster said she'll call me back on multiple occasions and never did! I'm so pissed that I wasted money on Aviva. They are a garbage company. Don't waste your time and money going with Aviva. All this time I've been spending $2500 for just ONE car with only ONE driver (myself) and for what? Their garbage service? This claim could have been easily settled in a month and it has dragged on for 4 months... they make a stressful situation even MORE stressful! Do yourself a favour and stay away from Aviva.

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!

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 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!

So, it appears Aviva does not care about its customers. They only fix what can be seen. They fixed 80% of the issues and left me to fend for myself, even after Ford said it "this can be the cause of the impact" (direct quote). Aviva also does not like phones - or at least calling back. It took my adjuster days to return my calls, and 1.5 weeks later I had to call to find out someone else now has the case. Since I got my car back in March 2019 (it took 1.5 months to fix) I barely drove it. Now I have to pay for the rest of the repairs myself. Beware.

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.