RBC Insurance Home Insurance Reviews

I switched to RBC a few years back thinking to save money (at the time I was saving $1,000 per year) but what a mistake... 1-st issue: I had water in my basement, they looked into it and determined it was not covered - I had to pay $25k to fix at my own expense. 2-nd issue: I made a modification to the house and wanted to update my info so I called them and after having wait over 30 min (to talk to their risk manager) she mentioned they are cancelling my policy! Based on the fact that an egress window was not big enough. After arguing that it met the code requirement, she changed her reason to you have a month to month renter in your house. I told her they are willing to sign for 1 year. Then she changed her reason to we actually don't want to insure the house!!! What?! 3-rd issue: She offered me to cancel on my own accord and save the bad record of having an insurance cancel my policy so I did but she needed my wife's consent (joint ownership) so I asked her to wait 10-15 min before calling my wife as I wanted to explain her the situation. Well, immediately after the phone call she phoned my wife, I could not even get through, she was faster than me with speed dial! Will I ever be a customer of RBC insurance? NEVER!

We have had a horrible time with Aviva home and auto insurance. We had a leaky room and wanted them to check things out. They did send someone and then we next get a letter in registered mail that we are no longer a client because we opened more than one claim in 5 years. There was no warning or anything. It has been impossible to connect with a representative or agent over the phone (90 min wait times) or in person (at the Young and Bloor branch) to discuss this. The branch had no one actually manning the desk during business hours and when someone showed up, he said that he was short staffed and that he only gets complains all day long. He also said that Aviva does not care about RBC customers. Now leaving Aviva with all of our insurance needs!

We had a couple of large snow storms and then some warm weather. We have a large deck on the second level of our vacation home. The snow melted and leaked in under our door sills and then caused water damage to the drywall in the basement, the carpet and exterior walls. The stone on the front of our house must be removed as there is water structural damage to the house. RBC/Aviva has been giving us the run-around for 6 weeks now. We have been passed from to 3 different people and had 2 adjusters over to meet our contractor. No recent communication with us. Our contractor is telling us we are only getting covered for 18000 and then we have a 2000 deductible. Our total claim is 38000. We can't believe how awful it is to get someone on the phone or communicate with us. We were told the first person went on maternity leave, the second one not sure why he’s gone and now this 3rd person. After this is done, we will be leaving this company.

RBC AVIVA PARTNERSHIP - BAD MOVE. I have been with RBC for almost 30 years, I have 3 houses & 4 vehicles insured through RBC, so I am speaking from experience. Up until RBC changed from being an insurance company to being an agent & using Aviva Canada, the service provided to me by RBC was second to none. Since Aviva took over I had two no-fault car accidents in quick succession.1. Delay on my car being fixed due to the adjuster going on vacation & 2. giving my chiropractor grief over reports that they had lost & denial of treatment until finding out Aviva was in the wrong. Whenever I spoke with the Aviva adjuster she was very condescending & I made a complaint on this matter but heard no more on the matter. YOU WOULD THINK THAT WAS BAD ENOUGH BUT THE BOMBSHELL!!! In June of 2017, my neighbour had to have their water mains supply line repaired. The local city engineer, who was dealing with the repair, advised me to check to see that I had insurance coverage for this type of repair. I called RBC insurance on this matter. I was told that I did not have coverage & they could not give me coverage. No further advice was given. In April 2018 my insurance was renewed. In October 2018 I received a notice from the city water services that I had 14 days to have my water mains supply line repaired as it was leaking. If I did not complete the repair within the specified 14 days, my water would be turned off. I immediately called RBC insurance to see if I was covered for this repair, giving them in great detail, also explaining the urgency of the repair. I was advised that they would send an adjuster around to deal with the repair. The following day a regular plumber came, who was unable not help me with my repair, in fact, I had to explain the problem to him. He told me his boss would get back to me. To cut a long story short I had no further calls from Aviva about helping me with my repair. I ended up having to arrange for the repair to be done at a cost to me of $10,000. Eventually, I was told by Aviva that my claim was denied even though they had sent around the wrong trades. How is this possible to make a true assessment without knowing exactly what was wrong? I decided to contact RBC insurance to help me with my concerns about not getting support with my repair, even though I had specifically asked about coverage back in June 2017. They told me that yes, I do not have coverage but if I wanted coverage for any further such repair, they could now give me coverage??? I asked them, why did they not give me coverage back in June of 2017 when I specifically asked for coverage or when it came available. I asked for my claim to be appealed based on this fact that they record all phone calls and my call could be verified. After many calls & a lot of time on my behalf, they told me that they could not help me further with this claim. RBC, you are supposed to support & advise the customer on the difficult minefield of insurance, which you do promote in your adverts. Why did you not take responsibility for first denying coverage & then being able to offer coverage to me when it was too late. Throughout my ordeal I was having to repeat myself, spend hours on the phone chasing support that was not forthcoming & was promised to get callbacks from Aviva, nobody taking accountability for empty promises. If this is what you call service, I feel you give me no option to find the service that you used to give me.

I was gainfully employed within the Alberta Oil and Gas sector for many years. July 2016, I had serious medical issues arise and unfortunately had my contract terminated by the Oil company I contracted for. Have always carried both Home Protection as well as Loan Protection with the RBC for any products in which we owned RBC collections starting the phone calls when things started to fall behind. I spoke to them about possibly increasing our line of credit as we had been living off savings. They declined as they told me I had no income, so, therefore, was a bad risk. Mortgage, 2 CC and a line of credit were all perfectly wonderful when my credit was A1 but when I was unable to work, RBC started with the non-stop "harassment". Only after getting into a knockout, drag-out screaming match with an RBC collections representative, telling me perhaps consider bankruptcy, did she accidentally slip the question, "Didn't you ever think about having insurance?" did it finally click. I had insurance on all outstanding items and yet, NO-ONE within RBC bothered to mention anything to me each and every time they decided to call demanding payment schedules. After I approached RBC insurance directly (different arm versus collections that don't speak to each other) was I told, that in fact yes, I had coverage with RBC Home and Loan Protection. Fast forward to jumping through each and every hoop both RBC and their Canada Life organizations put before me...finally, August 2018 was I approved. Both my Mortgage and Line of credit are being paid. Because I had outstanding arrears on my CC's, I submitted a claim for both of those as well. RBC third-party insurance paid off the majority of one CC but then RBC tells me that I, in fact, had no coverage on the second CC. I have asked them repeatedly to produce the RBC document that an individual signs when they decline coverage. Still today, no one within the RBC can produce this document. I have always carried insurance on each and every item in which I received from RBC, but this CC, somehow was not covered? I received a letter from RBC demanding payment in full for my Line of Credit. Once again, I contacted RBC insurance to ensure that the insurance premiums were being forwarded to my outstanding balance and was assured that the payment was, in fact, being paid in the 30th of each month as long as my disability was still ongoing. RBC insurance advised that they would contact the collections department that the payments were now being paid by my loan protection insurance. Yesterday, my hubby and I attended a funeral for a family member. My phone went off during the sombre drive to the small town it was taking place in. A "bailiff" was contacting me to find out when I would be home to serve me papers on behalf of the RBC. Today, I was served documents from a lawyer representing RBC foreclosing on my home for the full outstanding mortgage amount of $182 k along with the Outstanding Line of Credit balance of $44k. Any monies in which I deposited to my RBC account to pay towards arrears of my mortgage were "grabbed" by RBC to put towards the outstanding unsecured CC in which they will not recognize as their screw-up. This is right next door to criminal behaviour by the RBC machine as they want me off their insurance books. As long as the medical professionals continue to support my disability, my insurance, yes, owned by RBC has to pay out. My medical specialist actually had to write RBC insurance and RBC collections a letter banning them from contacting me as their treatment towards me was a serious deterrent in my recovery process. I would warn everyone against RBC insurance as they play by their own rules and unfortunately, most of us just can't play the game.

I had a fire claim, it took them almost a year and they did nothing. They told me they could give me the money and I could do the work but they held back 25 %. When almost all the work was completed, I called and said I wanted the additional funds. They said it is over a year and the claim had expired. This is a total lie. In Ontario, we have two years to complete a claim. I could go on and on but in short, this RBC insurance company are scum. When I cancelled the policy, I paid a premium $117 for December 1. Cancelled on the December 9th and got a $19 refund. In other words, they can do anything to screw you around and you can't cancel without a penalty.

4 months ago put a claim and zero work has begun. Even for safety purposes reasons, RBC is nickel and diming me. Gas line may rupture - still will not repair. Century West, who is supposed to be doing the work in 4 months, have spoken to them 3 times I initiate the calls. The insurance adjuster said if I didn't like what Century West was doing, they would have to pay me out. Just found out there is no claim amount yet, so how do they pay me out?

I have been trying to have RBC insurance come to my home which suffered damage May 4, 2018 (it is presently July 23rd). I have since repaired the roof myself awaiting their appointed “assessor”. I have paid them for years and never ever called, if I had, I’d have realized they don’t give a crap about their customers. My neighbours all have had repairs provided by their insurance companies (some the next day!), I feel so dumb for being with RBC.

Our family had been a loyal RBC insurance customer for over 12 years. We unfortunately had a house fire and someone break into the uninhabited house the next day to steal all of our electronics. This was then treated as 2 separate claims. Through the claims process and before moving back into our house RBC/Aviva sent us letters that they were not going to renew our insurance when it came due because we had reached 2 claims in a given amount of years. They would renew our auto policies however now other companies have a more competitive rate based on multi discounts.

We are no longer clients.

0 Star rating.

When I purchased my home I was required by RBC to have HomeProtector Insurance in the event of illness or death it would guarantee the payments would be covered. This was to protect the bank and me from any perils arising from injury or death.

Many years later I was involved in a very bad accident which left me disabled for a 6 year period of recovery. RBC HomeProtector began making mortgage payments after 60 days of proof of claim.

Every 3 or 4 months the payments just stop, pending a review of a doctors report. Every single missed payment event was recorded as if I missed the payments. Eventually the insurance would retro-pay any missed payments but the recorded missed payments just added up and up.

When contacting RBC, they would always blame the insurance underwriter for the problem and when contacting the underwriter, they would blame RBC. I still continued to receive the impact of the missed payments on my credit report.

Each and every doctors report clearly noted this was a "Chronic" condition, meaning Forever... Claim review is supposed to have people who specialize in clarifying doctors correspondence yet they clearly don't understand what "Chronic" means.

At one point a weekly motrgage payment had been missed for over 5 months straight! Pending doctors report under review. RBC handed the file over to Gowlings legal while a claim was still active and ongoing.

Insurance finally payed some arrears less 2 months within a day, while Gowlings were coming after my home. I had to make regular payments to Gowlings while trying to go back to work before my doctor allowed me to.

This was a horrible situation! I am an engineer and had to be professional at all times while dealing with excruciating pain, vomiting, and also taking very high doses of Fentanyl and oxycocet for breakthrough pain.

I have made every possible effort to return to work and been completely honest to report my work activity to RBC insurance. I have paid every cent to Gowlings and RBC while my mortgage was in limbo.

There was complete incompetence by RBC collections management, RBC Insurance representatives, Underwriters review personnel.

So what was I buying for many years paying premiums. They did much more harm than good. They put me in peril directly. Now my credit report looks like dart board, but I was protected. Did I neglect to mention my mortgage payment weekly was less than 200 bucks?

We shall see what a provincial court judge thinks of this predatory way of doing business.