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I have been with RBC since 1990. I made a change to the coverage of a summer car to be parked for the winter, they confirmed the change in writing, but actually cancelled the policy on my wife's vehicle. She then unknowingly driving the car with no insurance for 6 months. When I called to restart the insurance on the parked car, they identified the error, and instructed me to pay for the dollar value of the correction, but they were going to be so kind as to not charge me for the time my wife was driving with no insurance. Please keep in mind this took several days, several calls, and being on hold for several hours. In addition, they increased my home insurance by 25% and raised the annual rates on my wife vehicle by 50% even though she has had no tickets or accidents. I an currently obtaining quotes from other providers.
I had to move out of the country for several months and no one would be accessing/driving the car.
Called in 45 days before leaving and was told that the best option would be a "suspension of coverage". The cost would be 15% of what my premium is.
Nevertheless, he suggested that it was too early to apply the change and to call back 30 days before my departure.
I did. I explain again my situation and and requested the "suspension of coverage" as suggested by the previous agent. This time I got a quote that was about 35% of my premium. I told her that I was quoted a much less amount and that she could confirm it by going to the notes in my file. Her reply was that the previous agent shouldn't have quoted me any value.
I decided to cancel, both, the car and house insurance.