Don't choose them!
by Hater cause on Aug 21, 2015
1 out of 5 stars
Car Insurance Reviews
RBC Insurance Auto Insurance Reviews
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(265 reviews)
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We've been insured with RBC for 5 years now. We have never had a claim, but I did have a minor, my fault collision. They had a really helpful line that talked me through the benefits and consequences of filing a claim. It was cheaper in this case to give the other individual $500 cash and not have my premiums increase. They have been very helpful when changing vehicles/drivers and when I've called to clarify my coverage (which has always included what I was worried about). Today, I got my renewal package in the mail and our monthly premiums for home/auto will be going down by $80 a month! That's a 36% discount without having to shop around (I had, and our new rate is in line with the lowest quotes I've seen with less coverage.). Needless to say, I'm pretty happy. Oh also they reduced our deductibles. Just because. I can't really complain.
I bought insurance fully disclosing all of my facts, I was given insurance Oct17th I was then AFTER the FACT asked to provide a Application for Ontario Car insurance (process in reverse) This reaffirmed and divulged the exact facts and admissions (ie accidents etc.) I had provided in a taped telephone conversation initially....The "underwriter can THEN REFUSE to provide the insurance policy (that they had previously entered into a contract with you) AND CANCEL your insurance (is this even legal?)
After leaving my former insurance company (my rates gone there) after leaving -now doubled I cannot go back there and will have a cancellation on the insurance database that is not even my fault...if they were going to NOT offer me insurance after full disclosure it is their responsibility I think to do it during the initial conversation/interview over the phone.
I am sorry the day that I ever called RBC Insurance-my life is a mess because of this situation and I have to scramble for insurance.
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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.
Cheapest rates available for my age group
The worst insurance company. They are the least helpful people and they only tell you about what is more expensive they don't want to give you good insurance or cheap insurance they just want your money and don't care about if you can afford it. They charge you a way to much and when you call to talk to them all the do is to try to get you off the phone as quickly as possible and they just try to tell you what you want to hear even if it's not true. Switched and was much happier without them.