RBC Insurance Auto Insurance Reviews

I feel I have to advise of an unacceptable situation with RBC insurance agents who were representing AVIVA.. It all started with the documents sent by AVIVA requesting a totally new application for auto insurance on our three vehicles. We felt the information was already on file with RBC and seemed redundant to redo the form. We did fill out the pages that were relevant to us and scanned them to AVIVA. To our surprise we get a letter by Royal Mail stating that some info was missing; items were highlighted for our convenience. The letter arrived on FRIDAY, August 2nd, of the long weekend. To our surprise, it stated that we will have no coverage if the form is not returned prior to Aug 5th, which was a start holiday by the way. Why not a phone call or an email since the matter was time-sensitive? We immediately phoned the RBC number and were advised we could fix and scan the corrected pages back to AVIVA. Also to check on Saturday to ensure they received it. Please note at no time were we told to send all five pages. Called Saturday morning and were advised the forms were received but one box was not correct so please redo and scan THE PAGE; again no mention of sending five. He said since they received it before Aug 5th, we would get 14 days coverage while our forms were processed. Tuesday we phoned just to make sure all was okay but due to call volumes we chose not to wait for hours and to call Wednesday. Imagine our surprise when we were told there was no coverage and we would have to start from scratch; as if we had not been customers for almost twenty years. The supposed licensed agent said we did not send in the five pages so it had become a legal issue. Nothing could be done and we would have to wait for 30 days for our application to be processed. We were treated terribly and I felt the agents were very condescending in their tone and the fact they kept repeating the same phrases; probably reading from a script. We were lucky that we found another company that was more than willing to help us out and they did it with professionalism and speed. They also gave us a better price even though RBC brags they offer the best deals.

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!!!

It's been said by many reviewers before this review, but to call RBC, even for a minor and quick change to your policy, and you're on hold for two hours. Their recording says, "We are experiencing a higher than normal call volume", well, guess what? It is not higher than normal, because that is normal. That recording has been in place for two years, and they have done zero to change that. Once you finally get through, to add a seasonal vehicle to the policy (i.e. an RV for the summer), which has been on the policy year after year, and they still take 30-40 minutes asking 1,001 questions about who resides in the home, vehicles used, distance travelled to work, etc. You cannot accomplish this task in 20 minutes, rather, expect three hours minimum with wait times, etc.

Have been with RBC/ Aviva for two years now. Received a renewal notice where Aviva wants a new written application completed for the same and only vehicle I own. They also demanded payment for the annual premium upfront prior to insuring the vehicle. I called and asked why since I've never missed a payment or had any claims. Their response was some vague excuse that it's the underwriter's new policy because of changes to legislation. The Cooperators were more than happy to have my business.

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 parked my car and put it on suspended coverage. When I went to put it back on the road, they increased my rate. Said it was "pro-rated" for the rest of my term even though I ensured that my rates would not change when I changed my coverage. They refused to quote me for motorcycle coverage because I was not 30 even though I have a clean record and 4 years of constant coverage on my bike, but they will quote someone with two tickets who is 30. Terrible experience every time I call.

I moved from Alberta to Ontario and called RBC to transfer my auto insurance. They increased my premium almost $500 for the same coverage. When I asked why, they said it was because Ontario is just more expensive.
So I shopped around and found other insurance carriers that will give me the same coverage for around the same cost as what I was paying in Alberta. When I cancelled my RBC policy they charged me a cancellation fee equal to one month.

Called RBC Insurance for a quote back in April, and was going to call back once we obtained ownership of the vehicle. Long story short, we did not end up taking ownership. The car is still owned and insured by the original owner.

Someone at RBC Insurance went ahead and STARTED our policy, with no authorization or consent. We are now out over $800, and they are threatening a cancellation fee + bad insurance record for a car we do not even own. We have provided them with the VIN history report as well as the current insurance papers for the car - still not able to fix this.

How is this even possible?! How can you insure a car that is already insured?! This is mindboggling

Couldn't cancel my policy!

Because my policy was also in my ex-wife's name - I wasn't able to cancel the policy even though the car had been sold for scrap and the plates had been returned to the ministry! They wouldn't stop the automatic withdrawals, even though I setup a new policy on a new vehicle the week before.

Be prepared to waste a lot of time, with a lot of aggravation dealing with this company!

I will be changing companies as soon as I can.

Customer for a number of years here, called in to add a second vehicle to my policy and waited in their queue for an hour and a half, only to have another hour and a half of my time wasted talking to an outsourced call centre to be denied adding the vehicle purchased simply to go to work with and occasionally bring materials home in to the policy. Mentioned I might occasionally use it to move a few pieces of lumber at work around to make my life easier but mainly to bring material home for personal use and they told me they don't have a "product" to cover that and because I will carry lumber in it, they won't insure the truck. How do you not have a "product" to cover a secondary vehicle (multi vehicle discount) because I might throw a 2x4 in it? Ridiculous reasoning, very poor explanation of the reason for denial and incompetent underwriter to deny an addition because of personal use of a vehicle. Cancelled my insurance with them immediately and am switching to someone who is competent and doesn't waste three hours of my time for nothing. Avoid them at all costs if you use your vehicle at work, or use a pick-up truck for its intended purpose.