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 pretty much echo what everyone else says. I've been "customer" for 14 years and never had an issue until Aviva came into the picture. I've experienced everything from long wait times to poor customer service to a claim that turned into a 6-week wait just for a windshield replacement! We have 3 cars and our house with them. Needless to say I'll be hunting for a new provider but unfortunately living in Brampton it won't be easy.

I have been a Home Insurance client with this company for a few years. This year I decided to add Auto as well. The process started over a month ago whereby they mailed me an application. I filled it out and emailed it back to them promptly. No one called me to give me any feedback. I called and I had the same experience as the others - callback in 1.5 hours and then the agents have no clue what is in front of them. They told me that someone tried calling me, however, I could not reach as my number was not valid. I told them I am calling from that number. Then they told me that my phone probably does not accept blocked number calls and I said to them why are you calling from a blocked number. Your display should clearly state RBC Insurance and you could have emailed me. Then they proceeded to tell me what corrections I needed to make to the form, which I did and scanned it back to them. The same cycle/ no callback. I called/ 2-hour callback/agent now says that there are additional changes to be made. I asked them why do they not accumulate all the changes and advise rather than doing a piecemeal job of going back and forth. Long story short - it has been over a month of me going back and forth, I have called to follow up again and again and I still don't have an answer from them. If they have so many problems dealing with a simple application from a 5 star rating driver/customer, who already has a good history with them on the home insurance side, I don't know how they will deal with anyone who has had bumps along the way, is not computer literate, does not have a scanner, cannot wait by the phone for 2 hours at a time only to be told that your valid number does not work or accept blocked calls.

Had a 5,000 claim in 2015, in 2017 Aviva partnered with RBC as the underwriter and then they cancelled my insurance 1 month before my renewal!!! RBC said AVIVA sent me a re-application via snail mail (which I never received). Because I didn't "reapply within 2 weeks, they sent a "registered" letter informing me my policy is cancelled and they no longer want me as a customer. AFTER 15 years of being a customer, never missing a payment! No changes in my vehicles or driver rating. (They actually said they would NOT cancel my House insurance! LOL). BEWARE, Aviva now RUNS RBC insurance and the complaints line I called said they are targeting longtime customers and snuffing them out as most have a declining deductible clause (my $500 deductible was at $0 because of my 15 years of "Loyalty"), haha. They ACTUALLY said I qualify for the exact same coverage after the RBC agent issued me a quote and I would have NO lapse in coverage, HOWEVER, there would be $150 rate hike and I would lose all accrued loyalty benefits such as my declining deductible, which was at $0, so re-set to $500. RBC's bait and switch predatory practices are despicable, I don't believe they ever mailed me any re-application/renewal forms and obviously by not emailing me or calling me to notify me about pending policy cancelation (they had my email and home phone number on file for years) they obviously targeted me and are looking to get rid of long-term customers. The RBC insurance Rep apologized for AVIVA's unscrupulous corporate tactics as this is new to RBC, she sounded embarrassed after admitting she is getting multiple calls from longtime customers with similar complaints. Note RBC does not target new customers, within the last 2 years, rather longtime loyal customers they want to get rid of. Good luck RBC, I'm lodging a complaint with the Ontario Insurance Ombudsman and notifying my Union, my workplace as well as my friends and family to steer clear of RBC! AVOID the renewal cancellation hassle by RBC auto insurance.

I got quote for my car, my husband's car and house insurance from RBC. They were very nice when I called to set up the insurance. They gave me a quote which I was okay with. And after a week they sent me a letter telling they increased our insurance policy premium by $60 more than quoted just because I forgot to mention about a speeding ticket my husband got about 2 years back and they already charged that amount from my account without my permission or acceptance if I want to continue my insurance with them after increased premium. I called them right after getting the mail and explained everything to an insurance advisor. I told him I literally forgot about the ticket but I thought you guys will pull up the drivers abstract and will inform me if there are any changes. The guy told me he understands and I can cancel the insurance if I want but I should get insurance with a different company before cancelling so I don't have any lapse. I got my insurance with TD and called RBC back to cancel it. After cancelling all the insurance the guy tells me they will charge me almost 1 and a half month worth of insurance premium as a penalty fee for each insurance for cancelling it and I have no way other than paying for it. So I called TD back and explained again and they were generous enough to cancel my insurance with them without any penalty. Now I am stuck with RBC to pay $60 extra each month for 12 months coz I don't want to pay that big of a penalty fee. The advisor was not willing to help me in any way neither he would transfer me to anybody to help me out. Worst insurance company ever seen. First time dealing with RBC. Never again in life. Stay away from them.

I have got RBC auto and home insurance last year because I had RBC business, chequing and all my credit cards with RBC.I just want to point out there are no savings if you think u will save money by going with RBC. While I was on the phone in the whole conversation I wasn't told that the insurance is through AVIVA. RBC does not offer any insurance of their own.They offer AVIVA' s insurance. They can only be reached by phone, in case you have missed a payment they send u a letter traditionally instead of calling you or emailing you. Lately, I learned that you can not pause RBC Auto insurance if you are travelling to another country.You can only pause your insurance if you are travelling for more than 60 days. What's the probability of you travelling more than 60 days... VERY SLIM... It was really easy to pause the insurance with TD when I was with TD. They also charge you hefty NSF fee in case you missed a payment and no matter how hard you try, they will not reverse the NSF charge. I had much better experience with Intact or TD than RBC. Don't buy RBC insurance.

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 have been with RBC insurance for home and auto for about 3 a year. Each year without any reason they raised my rates despite no claims. Last year they made some dumb excuse that there was a fire in Alberta, so my Montreal rates had to go up. Today, when I asked when is the excuse now they hung up! After arguing that they gave me a 2 $ /YEAR DISCOUNT! AVIVA / RBC insurance is finished for me!

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!

After waiting on hold for an hour and a half (supposedly was going to be a 20-40 minute wait) to change the car on my policy to the new car I just purchased, and after correctly answering all the name, address, phone number on file, date of birth, number of cars on policy questions. I was then asked how much my monthly premium was and how I paid - information I was not sure of off the top of my head. My rate just changed and I couldn't remember if I paid with my credit card or bank withdrawal. Because I could not answer 2 of the 7 questions correctly I was advised the customer service rep could not assist me with my call. This is the fourth time I have had to call RBC recently due to a move so had to update my auto and home policies. Each time I have had to wait at least 45 minutes. I requested the call-back one time and it never happened so now I wait. When policy renewal time comes around next year you can be sure I will NOT, no way, never again, be renewing with RBC.