RBC Insurance Auto Insurance Reviews

I had an accident and it took over a week to get anything done!! The adjuster said she "called" me on the Tuesday after the accident (which happened Saturday) but I didn't have any missed numbers on my phone so I don't think she even called. I ended up having to call RBC on Wednesday and filing the claim then. Also, when I asked for a rental car they advised that I was going to have to pay out of pocket and would be reimbursed at a later date. This is total BS as they were the ones at fault and they wanted me to pay upfront which isn't right, but I borrowed my moms car for the time being. We set up an appointment for someone to come look at the car on Friday morning and I asked for a phone call before they showed up. Needless to say, I never got a call. I didnt hear anything back that day (Which I was supposed to) and sill got nothing on Monday morning. I called twice on the Friday they inspected the car, twice on Monday after, both days with no answer at all. I had to call the general 1-866 number, spoke with someone who escalated the situation to a manger who was going to back to me 2 days later... However, 20 minutes later the adjuster called me back saying "So I heard you need a rental car?"... And I said yes if I dont have to pay out of pocket to which she responded "Well you can't use your mom's car anymore?". I was furious - It is not my moms responsibility to look after the situation, when their client is the one at fault and should be taking care of me!! She ended up booking me the rental car after a week of waiting and having to constantly chase them to do anything about the situation. These guys are absolutely ridiculous and their customer service absolutely sucks. Dont ever use RBC!

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!!

RBC rep called me regarding excluded driver form that we had signed with an exception. They did not like what I had written and said that If i did not re-sign form they could cancel my ins. Spoke to a supervisor who promised to look into the matter and get back to us in writing - on yes they certainly did-
to advise my car insurance is being cancelled as quote" the risk has changed materially". Whatever this means - I have no idea.

Very disapointed to be treated this way - they certainly do not want my business.

Went with RBC as I heard people talk bout great experience on car claims. Ive never had one but have heard it can be a nightmare. Since I bank with RBC I though why not and got a quote. It was $100 a year more than other quotes but decided to go with it. Then year 2 it increased 10% a year and then year 3 went up another 15%. I could not believe this. Went and called a broker and saved $1200 a year. Bye Bye RBC I will never make that mistake again.

The rate quoted to me via the online application was amongst the lowest so I made the decision to switch to RBC. However, after 3 weeks of waiting on hold (20-30 minutes for every call), calling back several times because the underwriters have another question that needs to be answered before they can issue a policy, trying to get my current insurer to issue a Letter of Experience and get it to the right place via fax (seriously, is faxing still a thing?), I gave up.

I ended up calling Scotia Insurance - I paid an extra 10 bucks but I managed to get the whole thing out of the way in one day with confirmations of insurance in my inbox before I got off the phone with them .

Just not worth it.

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.

facts.

- 30 yo male, driving since 16
- no tickets/accidents/claims
- occasional driver (employer 1-2km away so no commute, I'm biking or walking)
- best neighborhood in the city
- 2 yo car

Premium quoted is half the liability coverage and TWICE the premium of TD.
Is that the best you can do RBC?

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.

Calls were not returned.Had to wait too long for calls to be answered.