Aviva Home Insurance Reviews

Worst experience of my life was and still is dealing with Aviva. They made so many mistakes, disposed of all my hard contents without my consent and the original adjuster was fired. It's been one and a half years and my claim is still not settled. They did not take pictures of the contents that were removed from the house or at the warehouse. The soft contents were evaluated by a man who is not qualified to assess the damage of textiles. He strictly writes in his reports whatever Aviva tells him to and is extremely biased. The way Aviva conducts itself as a company and the staff employed should be sued and their incompetence dealt with by an entity with the financial power that they do. The little people get screwed, insulted, made to wait. The way they conduct themselves should be considered criminal by the proper channels!!! Extremely disappointed with Aviva and the HELL they have put me through as a single mother of 3. I lost my Job due to the emotional stress and trauma caused by the original adjuster whose main goal was to patronize and instigate conflict with me!

One disaster after another. A flood that clearly happened outside my unit and my insurance company not only does not support me, they make my life a living hell. Take well over 8 weeks to repair flooring that was sitting in my unit 2 weeks after the flood. The approval process is ridiculous. And the claims adjuster I had did not know the meaning of customer service. Worse yet, I put in a complaint to their head office and to the supervisor of the claims adjuster I had. 2 and a half months later I have not heard from either of them. Aviva doesn't even handle their own claims. They contracted me out to someone in Ontario. I live in BC. the 3 hour time difference made it impossible to get any real customer service out of him. He didn't even visit my home to see the damage.

The worst part about this, the flood not only effected my unit, but my neighbour's unit. As I was going through hell to try to get my claim approved, her adjuster approved her claim and her place was repaired and back to normal in 3 weeks. It did not cost her a penny, not even initially. I am out almost $8,000 as my adjuster would only pay 60% up front, then he said he would reimburse me the rest once he received proof of payment. I sent that along many moons ago... still have not been paid anything - who's ever even heard of someone having to pay out of pocket for an insurance claim anyway?

I would never ever in a million years recommend Aviva to anyone. Save yourself the hassle and go elsewhere.

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…

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.

My townhouse got water damage due to a leak in the outer wall, aviva refused to pay just to fix the floor, our condo mgmt company took responsibility for the rest of the damage. I should note, our neighbour had the same issue, he had no problem with his insurance company. It was a struggle even to get someone out to look at the problem (several weeks and many phone calls and emails). Even the contractor and broker are baffled that they refuse to pay. It's been a frustrating experience overall, I feel like there is no recourse to challenge them at all. I wish I had never signed on with them.

Had a leak into condos below. [ AVIVA ]They would not even come and look, said the condos insurance should pay. Condos ins was aviva also, still fighting with them a year later . Had to get lawyer , lots of fun. DO NOT USE THIS COMPANY . This is not just them our goverment is to blame also , they do nothing to protect us from these insurance companies.

Was involved in the flood in July in Chestermere with following hail damage to my roof and both cars. Have been paying premiums for 16 years and no claims, they have cancelled me for renewal for too many claims in one year and done so while the flood claim is still open so no other company will insure me based on not knowing the damage my house sustained...... I had just renewed my policy and made sure there was adequate insurance which im told is not always in your best interest to claim if needed because their best interest is to not renew you if you do....... SCAM ARTISTS AND LEGALLY!!!!!!!!

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.

Here's a good one. Despite my multiple inquiries with the company as to how this happened, all I've received from Aviva is that "nobody has ever experienced this before."

The following is the quintessential example of problems with companies like Aviva cutting costs wherever they can and contracting everything out.

I've had an Aviva home insurance policy in place for two years now, and have never made a claim with them. My premiums have been faithfully paid and there hasn't been any issues. That is, of course, until last weekend when I received an e-mail from Aviva asking me to do a "satisfaction survey" based on a recent claim I had made with them.

I judged this e-mail as suspicious, so I called their 24-hour claims line to obtain some information. First off, their after-hours claims folks are notoriously useless and are really unable to do anything except take details and file a new claim. They were, however, able to look at my file, and subsequently notified me that it looked as though I had made a claim relating to a basement flood I had in September 2015.

Now here's where everything gets very interesting. You see, I never made such a claim. After conveying this to the after-hours rep., she made a note and promised someone would follow up with me via phone during the next business day.

Well, nobody called. As luck would have it, I had been outside doing some yard work, and noticed that my neighbour was busy moving his washer/dryer into his garage. I asked what was going on, and he told me that after dealing with his insurance company (a different company than mine which I will not name, but will say the name of it corresponds to a common last name or a nickname for a male body part) for a month, they were finally able TO START FIXING THE FLOOD THAT HAPPENED IN THEIR BASEMENT.

Putting two and two together, I spent the next several business days trying to get in touch with someone from Aviva that could actually help me - which was a less than easy task.

In short, what ended up happening was that somehow my neighbour's home insurance claim was processed, closed and paid out UNDER MY POLICY, despite the two policies being issued by two separate and unrelated companies, associated with two different addresses and with different names on the policy.

Once Aviva management and my broker found out about this, they sprung into full-on panic mode realizing the extent of the mistake that had been made. The cheque which had been issued was cancelled immediately, and after relentlessly trying to prove my story true with this giant behemoth of a company and the associated bureaucratic inefficiencies, I've been informed that the claim was removed from my account and no longer exists.

So, I suspect you still may have one big question, somewhere along the lines of "How could this happen if the two respective policies were held by two separate and unrelated companies which would not have access to each others records?" Well you see, it turns out that in my neck of the woods, these two large insurance companies subcontract a company called "Claims Pro" to do their adjusting. Of course Aviva can't be bothered to have its own representatives in a major Canadian city with over one million residents. That just wouldn't be cost efficient. The Claims Pro adjuster would have had access to the records of each company and for whatever reason, whether it be sheer laziness or plain stupidity, opened a claim for a different property under my home insurance.

Another point to consider is that I would never had become aware of this issue had I not randomly received that customer satisfaction e-mail. Renewal would have come along, with the increased rates associated with a claim, and who knows whether or not I would ever have realized what happened. Add all this to the unauthorized disclosure of personal information and you've got quite a problem, resulting in my well-deserved one star rating.

Évitez Aviva !!!! Soyez certain que votre roulotte soit assurée comme véhicule et non stationnaire (bien sûr en autant qu'elle soit sur roues et plaquée). Aviva refuse d'assurer non stationnaire une roulotte qui reste sur un terrain de camping. Ma roulotte a été inondée par la crue des eaux. Résultat = non indemnisée car assurée stationnaire. Si elle avait été assurée comme véhicule, j'aurais été indemnisée. Soyez certain que ma nouvelle roulotte n'est plus assurée avec AVIVA et je suis maintenant assurée pour les inondations.

Pour le service... Patience et ridicule de faire rire de soi ainsi!!