Aviva Home Insurance Reviews

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.

I sold my house and they were very high on their quote for my new home so I cancelled and went with a different insurer for the new place. Aviva has continued to take payments from my bank account for the past 9 months without authorization. I keep calling my broker monthly and they keep inquiring about it. Aviva says they're behind on processing. FOR NINE MONTHS! They've taken $1000 from me without permission and counting. Goodness knows they wouldn't have granted ME 9 months grace on my payments during the pandemic...

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.

190% increase between 2015 rate and 2016 quote. The company stated that due to the insurance industry losses their underwriters found it necessary to raise some rates and decrease some customer discounts. Fair enough.
My rate went from $633 in 2015 to $1,835 in a single year. Is anyone able to inform me why it might be possibly be necessary for such a large increase in a dingle year?
Does anyone reading this post have a similar situation or explanation for such a large increase in a single year?

I got insurance and paid for it from 2007 until November 2019. I lived in my house till 2014 and sold it. And even all the years I lived there I never got a letter mailed to me I never got a phone call. I assumed I didn't have insurance. I thought I was cancelled. A very good friend bought my house on a hand shack and trust. I know I never checked my bank records but with no correspondents, no letters, nothing. I thought I was cancelled until one day in November 2019 I get a message via Facebook that I am still paying for insurance. So I went into the office to cancel my insurance and refused to sign anything till I received the first letter that I ever signed and the only one I signed. They couldn't find it and said I was lost in the system. They said less I didn't exist. So I'm not in the system but my bank account is and they could take money. I asked where my paperwork is? They said I signed a paper that was continuance. If they would have produced that I would have been fine but they can't. I was also told they only keep their records for 7 years. When I finally got my paperwork I got it for the years 1915.16.17,18, and 19. With a stamp on there that says - RECEIVED. TO WHICH I NEVER GOT. And the new owner even gave me all my mail. Nothing! So now they want to pay me out just over a thousand. While I paid them from 2007 till November 2019. They got my money and well I got nothing...

So, last year when I was up for renewal, I asked them about the increase in my policy amount. We were able to talk it down to a reasonable amount, mostly by agreeing to a higher deductible. While I was on the phone with them, I asked about paying them over the phone as we were right there. They agreed, took my payment, and we were done... Thing is, the payment was already at the credit card company. So, a month later, I get a letter saying my payment is outstanding! What!? So I call them up in a frenzy, they say, "oops, our bad, you're good fam!" So, I let it go. Fast forward to today, almost a year later, and I get a letter in the mail saying my policy is being cancelled due to an outstanding balance of $0.00. You read that right, $0.00! So, naturally, I am livid. After an hour on the phone, and conversations with 2 representatives and talks of having to start a new policy a full 2 months early, they are able to fix it, and tell me, "oops, our bad, you're good fam!" I'm beside myself right now. Definitely, giving them the boot come renewal time.

We chose Aviva for our home insurance because they offered monthly payment plans and the amount of home insurance is outrageous. We suffered an electrical fire in our home and our claim was dealt with horrendously... They didn’t want to pay for our rental, they didn’t want to pay for damages done... Trying to claim our destroyed foundation was already there (lies) Almost 2 years after our fire and we are still ‘homeless’ and living in a rental hoping to be able to rebuild our lives next summer... Don't use Aviva!

They refused to pay. They have a deny, refuse-to-pay policy. Their managers do whatever they can to avoid payment. The worst experience I have ever had.

I had bundled auto and house insurance. I was sent an application for auto renewal and was denied, then told house insurance would be increased. I told them to cancel it also during the phone conversation. Then the monthly payments came out of my bank account. Today I talked to them again and was told I had to sign forms to get the policy cancelled and the payments would continue to come out. Before the conversation ended I was told they were cancelling the policy but wouldn't refund the funds they had taken because they couldn't cancel the insurance over the phone. Now, this is the 2nd time they cancelled it over the phone. I believe they are no just common thieves.