RBC Insurance Auto Insurance Reviews

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.

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'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.

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.

I can't express how disgusted I am with the service. My premium has gone up multiple times even though I have never been in an accident or got tickets. Now they have canceled my policy because I didn't update my information which never changed. I am now trying to get my policy back and the guy is arguing with me telling that I use the vehicle for business when I have told him - it is a personal vehicle. Such a joke I will never recommend this company.

RBC insurance is the worst insurance ever! In two years, they changed my monthly payments three times!!! Without telling me or sending me a letter! In two years I hadn’t even received a ticket or gotten into an accident yet they increased my payments by first 30 dollars than almost 50 dollars!!! I went to complain and they said that if I’m not happy I can go to another company! Yes, I will! Worst company in history. Disgusting thieves. I’m thinking of changing my bank too just to never be affiliated with RBC.

I have been with RBC insurance for three years. They increase my monthly payment from 278$ to 398$, but I have no claim, no ticket, no changes on any information. They gave an answer that because they just simply increase the rate this year. Furthermore, it always will take them 1hour+ to answer the phone.