Aviva Auto Insurance Reviews

We have a $13000 claim for windstorm damage, and have been dealing with claims and ombudsman office at Aviva Elite for 10 months. Every expert who has inspected the RV - except Aviva's appraiser - agrees the damage is from outside impact and should be a covered claim. Aviva's appraiser blames the manufacturer for a defect of some kind!
Finally 2 months ago they agreed to partial coverage. We will need to go to mediation on the balance.

So, we got 2 estimates for repairing the partial coverage they agreed too - guess what, here we are 2 months later pushing for approval on the estimates so we can get the work done.

Terrible customer service! They have tried everything imaginable to delay and deny the claim.

We would rate them less than 1 star if we could.

Stay away from Aviva coverage on your RV's

My car was stolen in the middle of the night right from my driveway as I slept only a few feet away. That was July, 2014. Aviva farms out claims settlement to Cunningham & Lindsay who seem determined to prove to Aviva that they save them as much money as possible. So you get caught in bureaucratic finger-pointing. The policy offered a rental vehicle which I had to exchange after only a few days as it was like a coffin on wheels and not equivalent to the 2011 V-6 Accord that was stolen. Within several weeks, I received an offer prepared by Aviva via C&L who then pulled the plug on the rental vehicle leaving me with nothing to drive. I thoroughly analyzed the 16-page offer and phoned up all ten dealerships to check on the comparables cited. There was no car for sale that low mileage. The offer was very confusing, listing the same ten cars twice using different prices. And only two of the comparable cars shown were the proper model (V-6 NAVI) which retails for at least $2000 higher. This evaluation was unprofessional and bush-league. When I complained and said I was not accepting the offer, it took many weeks more to get a revision which obviously didn't have any further research, nor did it correct for the wrong model. All in all, I didn't receive a cheque until mid-October, three months after the car was stolen and two months after my rental was cut off. Don't go with Aviva and assume that you're going to be protected from something like theft or an accident that's a write-off.
There are two other morals to the story.
1) Don't expect the police to be very helpful. They may pat your hand and say, "There, there.", but a stolen car is either carved up in pieces or on a ship across the ocean within 48 hours. Car theft is big crime but nobody seems to be effective or they're all toothless tigers.
2) Go ahead, buy a Honda and keep it in showroom condition. After all, the third world needs more black market vehicles and Hondas and Toyotas are at the top of the list. Realize that if you take your car in for service (and mine had been just the week before), some car jockey can easily get the keys (even electronic ones) easily duplicated at a car parts store or by a partner in crime.

I contacted Aviva for auto insurance in the summer for my little convertible sports car, I was quoted and paid $254/month which I agreed to. The following month after wards I wanted to know how much it would be to change to a different vehicle, 2007 Lexus. I was quoted $460/month, I have emails proving all of this. The next following two months payments were still $254/month which I found odd. The month after in Oct. I was charged $949.44 which was absurd it was more than double what I had been paying! I immediately cancelled the policy and now am being charged again $949.44 in Nov. And now they also tell me $582.72 will be taken out Nov.26.
Watch out for Aviva they will quote you for one price and totally screwed you over without any warning charge you another amount, be warned!

5 moths after accident and still not resolved. Can't reach him at all. Agent was saying I'm not in the system. Don't use this insurance!

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.

I lost my car in a fire and get nothing from aviva.
Aviva insurance is a a fake contract always tricks you in a huge and complicated contract with a lot of points that allow for them to say this is not covered

In September 21013 another car had hit my parked car. The driver of the car did not have a valid licence in Canada and was also impaired.

I had submitted the claim to AVIVA the day it happened.

One week later AVIVA had responded to the claim.

The person assigned to my case then made me run around looking for missing information, visit the police station and apply for a collision report (after I found out insurance companies get them for free). Finally she mentioned that the diver was not insured.

It all sounded a little bit off to me so I contacted the other (drivers) insurance company my self. When I phoned them not only did I find out that the other person had insurance but also the lady assigned to my case had not even contacted them or submitted the claim on my behalf.

I emailed her back the second I found out; she responded back with the comment "you didn't have full coverage there is only so much I can do". I explained to her that I understood that and that I was willing to do all of this my self. However I felt as if she had gone to far by accusing the other party of not being insured.

Stalled and low-balled me on a claim, but finally gave a good settlement after I hand delivered evidence of the car's value. Blamed me for a collision that was clearly not my fault - police agreed with me.

If you have a choice, do not deal with Aviva. If you already have insurance with them, check your policy carefully. They decline coverage for older vehicles by changing the name of a clause. You think you have full coverage and find out you don’t when you submit a claim. Do not trust Aviva.

I am an optimist, when I saw the bad reviews that did not deter me from using Aviva as I often think that it won’t happen to me. I have now had two claims with Aviva, the first one was minor and not a bad experience. The second was terrible, in both cases we were the victims. My main issue with Aviva is two fold: 1. The communication is terrible through the claims experience
2. There is no customer service, and there is no attempt to offer even mediocre service. A small gesture can go a long way, Aviva doesn’t appear to know that.