Home Insurance Reviews

Aviva Home Insurance Reviews

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(155 reviews)
Aviva
1.6 out of 5 stars:
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Horrible customer service

by fedup66 on Feb 3, 2017
1 out of 5 stars

We have been swapped over automatically to Aviva as customers of RBC insurance over the past year. We tried to get our bicycles added as an extra insured item. We started the process last September (it's now January) and still no action. First they only keep eastern hours, so getting ahold of them from the west is a nightmare. Then they don't know what they actually need or want from us. They asked us for our bike receipts and photos, which we gladly sent, thinking that we'd be done. Then after a few weeks they called again asking for a letter from us stating that we had no previous claims or liabilities on the bikes. Ok, no problem though it would have been easier to send this in the first place with everything else. Then we heard nothing for 2 months and thought our bikes were covered until they told us they lost our file and called to find out if we actually wanted to get our bikes covered (um, yes?) and why we were applying to have our bikes insured when they're already covered in the plan (our bikes are worth about $1,000 apiece and our deductible is $1,000). So we had to go through it all over again with them. Then they said they couldn't process the claim without a senior advisor who wasn't in that day and they would call us on Monday. Here it is a week later with no phone call and no amendment to our plan. Absolutely incompetent and a waste of time.

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Simply Corrupt and Dishonest

by Benalto on Jun 13, 2018
1 out of 5 stars

Do I have to write a review for this company ? All the reviews below mine are facts speaking for themselves. Canadian Right to Information Act give me right to know what the reasons and grounds for denial are. Can you explain a bit more? On top, my policy was cancelled without any prior notification and my input, so I am left high and dry For insurance claim was made and like any other, Right from day one the adjuster's attitude was a no-no. Without listening to me, the investigator said in an insulting way "You know I am X-Police Officer". Instead of listening, he tried to pressurize. I said to myself I never missed a payment nor I have mistreated anyone why I am getting oppressive treatment. When content evaluation process came in our absence, he took all our clothing and devices out of the case and spread it on the carpet and floor causing much smoke damage to the all the precious belongings which actually fire would have done. If that's the process you would have followed, you should have better told us so we can deal with in our presence. From that day onwards I have asked adjuster that please inform me who is entering my house so I am prepared. In reply he said we are not liable but we will inform you going forward. That going forward never happened as they are not interested. Within a weeks time after the fire, insurance investigator called us for appointment and we traveled to meet him only to know he was late, my wife was under the stress and I called him that I am waiting for him, only when I left, he called me to say I am here, I told him we left and he was not impressed. Just living outside of town as temporary location, and go to check the property every week almost, only came to know that they have taken the lock away which they have installed earlier, without informing. Believe me, I deal with my customers every day and I never treated them as I have been. I would reach every possible forum to launch complaints how I have been treated and my claim is treated, you pay insurance to secure family and this company left us wandering.

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Completely changed RBC

by Trainwreck on Sep 20, 2017
1 out of 5 stars

This company is not operating legally in my opinion.

RBC used to have their own people to assess cost/damage. I had a flood and Aviva sent their "road advisor" to my home. This person did nothing but draw pictures of the rooms. They didnt cost anything out. Aviva now relies on 3rd party "approved" contractors for this. Which is ridiculous. Consumers have a right to use their own contractors. Its Insurance Co's job to have their own people to cost things.

Aviva paid me nothing up front. Its a clown and pony show to get things approved so they will pay. My claim exceeds my coverage so settling is real easy but Aviva refuses to do that. If they just did things like insurance companies have done things up until now (as is actually legally REQUIRED) we could just settle.

PROMUS restoration was assigned to my house. They did next to nothing. A few hours tear out. No clean up, no disinfecting, no contents removal/storage. Basically, nothing. I could have torn out floors by sawing it out quick too. Insurance pays them thousands for this then relies on them to do all the cost quoting. This way see YOU pay for it out of your end rather than Aviva paying their employees to do their damn job. Obviously PROMUS has nothing but subcontractors giving ridiculous quotes for simple lipstick things and ignoring what actually needs to be done. Using up the claim in nonsense.

Aviva needs to do what all other insurance companies do and actually cost things out via the computer aided systems that have been in place for decades and are very accurate in experienced hands. Tossing the ball to fly by night claim raping "restoration" companies is a joke.

Stay away from Aviva. RBC wasnt the greatest but it ran like an insurance company. Aviva runs like children playing pretend insurance company.

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flood in basement

by roger in quebec on May 22, 2017
1 out of 5 stars

Very disappointing, my case was considered urgent, through Aviva it took two weeks to let me know that there was one clause in the contract stating that I was not qualified for a claim. Meantime, no help for helping me to clean up the water or giving any hints on how to proceed specially from their specialists, when i was two weeks after the claim doesn`t qualify because of a detail. The specialists for floods. wanted to recuperate their machines right away half hour after i hung up with Aviva, so no furniture was compensated for the damage either meanwhile, there were mushrooms growing in my walls. It was smelling very humid in the house, but Aviva doesn`t care about their customers, they want your business and nothing else… I have two houses with them, and two cars also…

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Drain Backup

by J&J on Mar 17, 2016
1 out of 5 stars

We have a drain backup, but were proactive and managed to prevent it from destroying our basement. We called in the plumber immediately (Drain Rescue) who dug out the basement and replaced all the drain pipes and put a backwater valve. Aviva came in during the work process. As per our plan, we have taken the maximum coverage. We acted honestly and let them know that we prevented the water and emptied buckets after buckets of grey water outside the house and had switched off using water. During the entire repair process, we also switched off the furnace to prevent it from being ruined. We lost carpets, rugs and clothes. The Aviva rep informed us that they would only cover the backwater valve. There is a $1,000 deductible and so the clothes and rugs would not be covered. The carpets would be evaluated. We are still waiting not sure what they plan on giving us. Drain Rescue informed us that other insurances cover the cost of digging and the concrete. The pipe replacement cost is ours, but our Aviva Rep informed us we are not covered. Do I trust AVIVA? My previous insurance TD was much better, I had a drain problem in a Condo in 2005 and they evaluated our loss, replaced our flooring and cut us a cheque for losses which was very reasonable.

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Fire damage in Ottawa

by Scott on Mar 20, 2017
1 out of 5 stars

My house caught fire in February 2016 and we just moved back in over one year later in March. It is a large house just under 4000sq ft. The majority of the house was completely gutted but key areas were not, including the master bedroom and bath and a couple other areas. The insurance adjustor, Geoff, gave low ball and unfair budgets throughout the process. The insurance company refused to gut the remaining portion of the house and now after only living in the house for a few days we are suffering through flooding damage due to plumbing issues. The insurance adjustor has extremely poor communication with me but I'm sure this is part of his strategy. The cabinet maker Sandy Beach cabinetry installed warped cabinets and in their attempt to rectify the defectives cabinet draws keep reinstalling the same warped drawers. In addition, the values given to our contents are completely inaccurate. For example, the list will correctly identify an item but will assign an extremely low and inaccurate value. These are just some of the issues we've faced and the process is not over yet.

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Thank you Aviva

by chinook42 on Jun 15, 2017
5 out of 5 stars

I have had home insurance for almost 38 years, and have never had to make a claim. We have our present house for sale, and have been trying to keep it perfect for showings. However, two nights ago I was returning from a nearby town, when my son called to tell me that he had gotten home and water was coming in through his bedroom ceiling. When I got home, we quickly determined that an outside water hose pipe had burst inside the wall, and drenched two rooms and started on a third. I called Aviva late that night, and they started the claim for me, and the lady was fantastic to deal with. At 7:00 am the next morning I spoke with their claim service again, and they said that a flood specialist company would call me right away. Ten minutes later On Side Restoration called, and said that they would have their Edmonton manager call me ASAP. And ten minutes after that, Dave called me. We agreed to meet at the house three hours later. At 10:30, just as the very kind Aviva adjuster had called to help me through all of this, Dave and his fantastic crew showed up at the house, and started taking down the wet ceiling and walls. Six hours later, they had dehumidifiers and fans, up and working. They also hauled out all of the wet drywall and cleaned up everything. The next morning they removed all of the bedroom carpets that they had already rolled up the previous night. Had Aviva and On Side Restoration not responded so quickly, I know our basement would have begun to smell musty, very quickly. As it is, everything is already dry, and this is all now just an inconvenience, not the financial loss it could have been. I really appreciate Aviva's response, and On Side Restorations response and great work by their crew. Their manager and two man crew are better than as I could ever have asked for, and I thank you all for helping my family through this the past two days. Thank you Aviva and On Side Restoration! Paul , Beaumont, Alberta

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Lower cost, perfect coverage

by Collin H on Sep 17, 2015
5 out of 5 stars

Shortly after switching to Aviva we were broken into. Between being a new customer and signing up for a significant discount to our previous insurance we were very concerned. But we could not be happier with how the claims process went. Our third party adjuster was shocked at the level of coverage we had (the Dolce Vita plan for higher value houses), and Aviva was quick to send us advance cheques and provided fair value for all our lost belongings.

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