RBC Insurance Auto Insurance Reviews

I was 7 years with RBC insurance, now RBC Aviva insurance, for both my home (paid policy in full upfront) every year, Auto Insurance & life. My expiration date had ended on my credit card used to make installment payments on auto policy only. So the payment went NSF. My yearly policy for auto had just renewed. Not knowing I was sent a letter stating your policy was cancelled in 15 days. Hoping to not have any interruption in service I offered to pay the policy premium in full (1 pay) as I do my house insurance & they still were unwilling to continue coverage. I have a clean driving record with zero claims ever. I was told by RBC that I would have to reapply and the only acceptable form is a written application, not over the phone, & it would take 3 to 4 weeks to reissue a policy. You see this was done by RBC Aviva so they can raise premiums. What a joke. Shame on Royal Bank of Canada for putting their name on this garbage business practice!!

I've just received my new Policy for September 2019 to September 2020 and my insurance increased through Aviva by $43 a month from $121 to $164. I have not had an accident, a speeding ticket, not even a cracked windshield in over 7 years. I asked the rep on the phone how my insurance can jump $43 a month for not costing the company a cent and they dared to tell me my policy rates are not just based on my driving, but the drivers located in my area where I reside. If Aviva has paid out a lot of money in claims in the Oshawa area, it impacts my rates also.

I was stupid and switched to RBC 4yrs ago, I haven't fit one good thing to say about them be it horrible customer service constantly increasing rates, and they refuse to fix your vehicle properly even when I took it to their approved facility. Now they quote me a price then won't put full coverage until I took it for inspection, so after 6 weeks of the only 1 place that does this for RBC finally doing it, they double my deductible, double the cost, say they won't cover the rims or the stereo, and they will only pay half what the auction value is on the car!! I have multiple vehicles and multiple house policies, and now ill be taking it elsewhere!! Did I mention I have no tickets and only 2 claims in 20 years!!

So disappointed. Have been a loyal customer for years. Not one claim or missed payment. Now I have to reapply and submit my full yearly premium. Disappointed royal bank is not stopping this. So not cool to loyal customers. Looking for insurance today that treats their customer with value.

I was with Aviva for one year - had no claims and a clean driving record, but no longer am because of the following. Their renewal process is needlessly complicated - they mailed me a renewal application in December, which I then had to mail back. Why the renewal isn't automatic like other insurance companies I don't know but I hadn't had any reason not to renew, so I dutifully sent back my completed application in January. I then got a phone call saying that my application was incomplete because I hadn't filled in N/A in 3 places! I thought it was ridiculous that I had to mail off an application in the first place, and that they couldn't just accept my verbal confirmation for N/A to be filled in. Keeping in mind that they take some time to process your application, and I got this phone call shortly before my insurance was about to expire, this seemed shady. In any case, I filled it out quickly and sent it again before expiration. I then had to call them 2 times to see what the progress was, waiting on hold for minimum 20 minutes each time, and they kept saying someone would call me the next day with a quote once it had been processed. No one ever did. I find it very unbelievable that I can get a quote by calling in if I am a new customer, but that they cannot give me a quote for renewal until the entire application had been processed. The third time I called I spoke to a lady who finally said that my renewal had been approved and that it had been mailed out. At this point, my insurance had expired, and this is when I found out what my quote was: $300 more than the previous year! She assured me I still had time to cancel before my card was charged, and did not mention anything about a cancellation fee. So I waited until I received the mailed out package and then called around and found a much more reasonable quote with TD ($450 less). I then called RBC back to cancel my renewal - at this point, the guy said that as my policy was already in effect, I would be charged a cancellation fee, plus the insurance for 2 weeks, which worked out to a whopping $291. This made me really upset because that is a lot of money for me. It was still cheaper to go with TD, so I still cancelled but I am really unhappy with Aviva's shady tactics. If it was this hard for a simple renewal, I am glad I never had any claims with them. Also, they have changed their policy so that you have to pay the entire premium upfront, which is a huge expense. Buyer beware and I hope my review has at least helped someone.

RBC Insurance has only offered a 4% discount on my auto premium during my temporary layoff due to Covid-19. I have never been late on a payment or made a claim, and my driving record is perfect. The agent was less than helpful. They claim to provide support during this difficult time, REALLY?!

We have both auto and home insurance with RBC. Every year the principal payments go up without any reasons for that. We didn't have any claims, the same car, the same house. After almost 2 hours on the phone with a representative, they didn't give me any option to put payments down or to explain why I should pay more. In addition to that, they told me that because of the mistake they did in our application the price will go up again next year. That's unbelievable. I will definitely go to another instance company.

I changed my address a few months back, and at that time was notified that payments were switching to annual lump sum vs monthly payments. I wasn't overly pleased with that but told them that it was fine. I just received a call from my financing company saying the insurance company notified them that my policy was cancelled. When I called RBC/Aviva insurance, they said I never paid, and I've been driving without insurance for 2 months now. I had given them consent to take the lump sum from my account back in September (same as they had been charging me monthly before), yet they didn't charge me, then cancelled my policy without any attempt to phone or email. When I asked for the policy to be reinstated, they quoted me my old price, then on the same phone call said that the premium was actually 50% more than the quote they had given me minutes prior. When I asked why they said that was just what the quote was. On top of that, they wanted me to back-pay for the two months that I was apparently without insurance. I've had 1 speeding ticket in my life (4 years ago) and never been in an accident in which I was at fault.

Was raising my auto insurance rates every year, even though my vehicle was getting older, and I hadn't made any claims or received any speeding tickets. Was frustrating because they arbitrarily took away discounts applied previously for no reason. Renewal time was up and I told them that I only wanted a temporary policy for a couple months, as I was selling my vehicle. (In the meantime, I had purchased a new vehicle and insured it with someone else for cheaper). After I sold the older vehicle, which took longer than expected, I called to cancel that policy. I was surprised to find out that they were charging me a cancellation fee! I explained that I told their rep right from the beginning that I only needed the policy for a couple months as I was selling the vehicle. I was surprised to learn that they don't even offer a temporary policy, which they should have told me from the beginning. Thirteen years with home and auto insurance without any claims and they wouldn't budge on dinging me with a $48 fee. And I had to wait 1hr and 21 minutes to get this news! Disgusting!

I have 44 years of driving without any accidents, no tickets and never late with a payment, a client for approximately 15 years (RBC/Aviva) and just read what they did. It was our renewal time and the booklet Aviva ask us to fill out was completed and mailed back to them 1-2 weeks in advance (as per THEIR instructions.) Without a phone call, registered letter or ANY form of communication the policy was allowed to expire “lapse” without us knowing! I was doing my banking and noticed my monthly payment was not automatically taken last week. I called immediately and they said the mailed booklet (they told us to mail) was received a day late (even though it was mailed in plenty of time) and the policy automatically lapsed. That is how I learned that for the last week we were driving uninsured!!! The agent actually told me we were uninsured! She said that “usually” they send a letter but she could see there wasn’t one sent and asked if I would like her to send one right then!!! WHAT IS WRONG WITH THEM? Of all the people that should understand the importance of not driving without insurance is them. (I am so thankful we were not in an accident.) Nevertheless, she said she would like to open a new file and of course... with a new price that DOUBLED and a new rule of no more monthly payments (in Alberta) but annual payments with the new policy!!! FYI. Belair Direct took my driving information and after the application process offered me insurance a few dollars cheaper than our “old” policy with better coverage (which is almost half the price of the new file Aviva just quoted me today) A few more words to summarize RBC/Aviva: Unfair business practices; likely illegal practices; definitely unethical practices; down right dangerous practices; and most irresponsible company.