RBC Insurance Auto Insurance Reviews

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!!

I called and had terrible service, could not understand the person I was talking to and they wanted to double my rates putting a second driver with more driving experience on.

They have been increasing my rate consistently by 11-15% even though I had no tickets, no violations and enough driving experience. Shop around, don't just renew, there is plenty of brokers out there.
Twice, they sent me a renewal (with increased rate of course) a week before the insurance expires leaving little time to shop around.
They requested I sign a waiver when choosing $500K liability when it's not stated anywhere in their policies or online - simply another pressure tactic and inconvenience to the customer to persuade them to chose $1 or $2M coverage.
Whenever I called and asked for an explanation for a dramatic rate increase I was given the usual excuse about insurance fraud being responsible for rate hikes - lying to customers is a bad customer service.

Short and simple. This is all the negative stereotype of an insurance company rolled into one. They have no empathy towards customers. They make a lot of decision that negatively impacts the customer. Then penalizes them for wanting to cancel midterm. So on top of a premium increase for no reason. They also charge a cancellation fee for moving to a cheaper company. Just laughable!

My insurance recently went from 167 to 262. I called to check why the rates went up by 60% and was told all the rates nationwide went up. When I pushed for more answers they said the discounts I had no longer applied. They wouldn’t drop my rate down a dollar to keep me on. I don’t know how they’re still an insurance company.

RBC Insurance is underwritten by AVIVA. Been with Royal bank and Insurance for 20+ years. I received a letter today from AVIVA saying I needed to apply for my renewal and had to pay the premium in full in 45 days!!! Who has $5000 plus sitting around? Since it is RBC I deal with and they are not helping... I will be moving ALL my business from RBC and I have a lot of business with them.

Similar to the other person, I too had to reapply for my auto insurance with a firm debt to me. I called to ensure, no pun intended, I did it correctly. I did not and my policy was cancelled because the form was incomplete. The broker told me to look for another insurance policy. I was a client for 9 years. I am now addressing the issue with my property insurance. I would not be surprised if they are trying to get rid of me as a client. My rates were very reasonable as I am finding out as I scramble to get insurance through others. Do not trust this company or their processes.

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.

DO NOT SWITCH TO RBC. I do all my banking with RBC and thought it would be nice to have everything including my insurance with them - BIG MISTAKE. Wait times are minimum 40 minutes to an hour to speak with a representative. When I put my new vehicle on the policy, it ended up being over $350 more than what I was quoted on. I knew the quote may fluctuate by $100-$150 when I actually added the vehicle to the policy but to be off by $350 is significant. Do not trust the quotes they give you or you will be surprised when the policy is actually issued or when you make changes.