RBC Insurance Auto Insurance Reviews

I've been an RBC Insurance customer for over twenty years. Everything was great until a few years ago when RBC got Aviva to operate this part of RBC's business. 1) Out of the blue in April, I got a letter saying I had to re-apply for my auto insurance or they'd cancel my policy. This was done under the pretense of "updated customer information". Of course, nothing had changed and it made no sense as to why they were making us re-apply. 2) This requirement included a bloated application form, including stuff that really needed an insurance professional to fill out, but there was no guidance provided. I've done online forms for other agencies when checking prices, and none of them were remotely this indecipherable (yet they were just as comprehensive for the information they asked). We re-applied and got our insurance on our second try, with no notes on what we did wrong to offend the insurance gods the first time. 3) Now we must pay an annual lump sum for our insurance, not monthly payments. Why? Ask those insurance gods again, because I have no clue. 4) If annual payments aren't bad enough, they didn't inform us that they stopped the automatic billing from our bank account, so we got a letter in the mail telling us we were late. There's no option I can see to go back to automatic billing. In short, if you're a new customer, avoid RBC Auto Insurance. If you're an existing customer, consider leaving (I can't even begin to imagine what it would be like to have to file a claim with them).

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 get a letter two months ago that says I need to completely resubmit all my application documents for my auto insurance. And that now my premiums need to be paid in full up front, lump sum. No monthly payments? I've been trying to reach them over the phone all week. I have been on hold for multiple hours, with NO CALL BACK OPTION? I simply can't get through. It feels like they are intentionally trying to lose my business. Weird, and so annoying.

After years of insurance and no claims, they wanted me to fill out a very detailed application form for my renewal. They also wanted full payment for the year as they changed their policy. Add this to the 1.5 hours on the phone to talk to someone and I am switching providers!!

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 had insurance with Aviva RBC insurance and requested full coverage as I had a brand new car, which was being financed! So I got into an accident where my car had been written off. Aviva adjuster then told me they will not pay the full value of the loss as I had declined the extra option? I asked for proof that I declined it, a recording, anything, but they said they didn't have proof but my policy said I declined the R43 extra coverage. So I was left with a remaining balance of $8500 that I have to come up with somehow to pay off the remaining balance. This problem is still not resolved as all the signed documents required I sent via mail and they were lost, then I found out the adjuster was not with the company anymore and no one told me as I waited the past 2 weeks with no reply from that guy. So now I have to resubmit everything again but I do not have a copy of my registration, which I sent them as well. Beware, people, there are lots of other places to shop, here you are treated like you're the bad one if you get into an accident. Also, they told me they will no longer give me full insurance for my next vehicle, and cancelled my insurance before sending me a letter of cancellation !!! Very disappointed!!!

Have been with this company for 20 years and when I cancelled my policy, 2 days into it they have the nerve to send a bill for 238.00 claiming I cancelled mid-term. How they get mid-term out of 2 days is amazing.

I called to cancel my home/auto insurance policy with RBC (now it's Aviva Gen Insurance) in Nov. The last payment was made in the previous month. The policy was set to expire in Dec. On Dec, Jan and Feb my card was still getting charged. For some reason, I had to check my card for something else and found out that Aviva was still charging my credit card. I called to ask them about it and was given the answer 'we did the cancellation but for 'some reason' the account is still active and that's why the card is still getting charged'. Don't make me laugh!! That was beyond ridiculous. I do not know if it's the employees who were not doing their job properly and couldn't really complete a Cancellation request or it's the company's greediness that makes them do anything just to make money off of its' clients. I will never go back to Aviva for insurance again. For those of you, please if you ever cancel a policy with them, make sure to check your transactions because what they're doing is fraud. Also, every year my insurance with them went up even though I have no tickets and claims. They want to increase my premium on auto alone by $120 per month, I asked them why since I have no tickets whatsoever, and I was told interest rates went up in my location. I've had enough.

I was with RBC insurance home and auto for over 10 years. The Aviva took over at the end of the year of 2018. My policies were coming due and everything went up by $1100. They cancelled loyalty discounts making me prove my car has auto braking systems. Well, guess what, you run the VIN number and everything is at your fingertips. So after I got a new insurance company, they wouldn't accept my new insurance company cancellation form, so they sent me a threatening letter. So two days later I decided to just pay the damn thing to get rid of this nonsense, so when I called back today, they would accept my payment but I HAD TO PROVE THE INSURANCE with the new company. Nothing like making your life difficult. Well, after arguing, I paid the bill and they accepted. They will do everything to make you give up. But always remember, before you call, have your conversation recorded on your end. Save yourself. Anyone looking for insurance: stay away, far away.

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.