RBC Insurance Home Insurance Reviews

We bought a new home in 2013 and insurance did not come to the new house. We were still paying insurance on the property we no longer own. Worse yet, we did not have insurance on our new home! We only happened to realize this in an unrelated call, their response: 1)my fault for not notifying RBC of the property change (with a mortgage at RBC on both properties) 2)not giving you any of your money back on 5 years of charges to insure a house you don't own (zero responsibility of RBC) 3)we cannot insure your new home because you haven't been insured on it in 5 years months of back and forth, hours on hold and when we finally decide to cancel the kicker 4)your car insurance rate will be going up because you are cancelling your home insurance! I guess my only move is to point this out before I move all of my business away from RBC.

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.

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.

Had both home and auto for the last year, as well as in the past with RBC. Moved my car to another province as I was planning to move there in next year but wanted to move the car earlier for a variety of reasons. Still have home and all ties in Ontario. Also moved my personal items out of my house as there was a proposal for a conditional sale and I was planning to be away from the province/country for a period of time and could not necessarily return to move my items. When I called to inquire about car received no less than 4 different pieces of conflicting information regarding the process. Finally got someone who seemed to know what she was talking about on the line, got issue resolved. Then called back later to confirm that car transfer was complete and reached someone at the call centre that could not even speak English correctly, was then transferred to someone else who became rude and abrupt with me regarding my house. Interrogating me then not listening to the full explanation of the situation. Cut me off then declared that house was vacant and insurance would be void. Then when I started questioning the issue she put me on hold to 'speak with a supervisor' and came back to confirm her assumption that I was now suddenly uninsurable. Once I became upset and said I would not insure with RBC any longer was again put on hold and then told that I had two weeks to sort out my insurance. Then today went online only to discover than my insurance has been cut off 10 days earlier than I was told. So I am still pending obtaining new house insurance and they have left my property uninsured, no explanation, no phone call or email, nothing. As I am currently out of the country on a trip pretty hard to resolve. Most unethical company, worst customer service and call centre is clearly outsourced overseas to agents that are not knowledgeable and cannot have a clear conversation in English. Have already written to complaint centre with zero attempt to resolve my issue. Will never return to RBC insurance despite having plans to purchase another property, another car, and open a business. Stay away they will leave you high and dry, I can't imagine how horrible trying to file a claim will be.

We have dealt with RBC for both home and auto. On March we had a fire contained to one second floor room (which was a crap show with the fire dept and a 3 man crew)...but anyway, the demo was done by a company RBC picked... They did more damage to the house than necessary and now after 2 times trying to buy out, which we refused, they say the damage is more than our 'elite' policy and the difference is to come out of our pocket... They wait so long to do the demo that mold had taken over everything, the new fridge was contaminated by rotten food. We ended up losing everything. The replacement value clause will only pay part, they take of 20% then 40% of the contents, which were almost all new... as it is right now, it looks like we're going to be homeless since we had put all our saving into the house... never again

Changed insurance providers for home insurance because I changed auto insurance provider. I canceled the policy but after several months premiums were still being taken off my credit card. Called to straighten the problem out and they said they needed my deceased wife's signature. I offered a death certificate since a signature was not possible. They refused so I had no choice but to put a stop payment on them. After much negotiation, they agreed to cancel the policy if I saw a lawyer and had him do the change in ownership. I had this done which toke time but before I could complete this they cancelled the policy and demanded immediate payment of several more months of premiums. I didn't pay since they actually owed me money. They turned in the account for collections and now refuse to talk to me. Nice bunch! I would rate them at -3 stars if I could.

We were away for several months and during this period the automatic payments through my credit card failed after fraudulent activity on the credit card led to a change of payment. I found a collectors' notice for non-payment on return. They sent a registered letter about non-payment which went back, contacted home phone # and made no attempt to email. After taking payments for 6 years with no claims - they decided to cancel and refused to reinstate. Horrible experience !!

I have insured my home with RBC for many years, no claims. I have always told them of any changes. My hobby is leather work, I make my own dog collars and leads and harness for my horses also do my own repairs on leather items. I told them when I got a leather stitching sewing machine value about $ 4000.00 which was my Christmas present to me. Buying my own machine and sides of leather is way less expensive than getting my harness built elsewhere, it made sense. A year and a half later I thought about making leather items for sale as a small business and called RBC to enquire if this would change my insurance. I was NOT running a business, I was just asking. They cancelled my home policy! They said if I decided not to start a business or if I found some where off the property to run one from they would reinstate my policy. Remember I did not have a business I was just asking. I gave up on that idea and called them and enquired about reinstating my policy. They refused saying because the value of my HOBBY (machine plus leather and tools) about $10000.00 was so high they could not offer me insurance any more as if something did happen they would not pay out for this. Funny they were Quite happy to take my money knowing about my hobby before this. Be warned if you have a hobby RBC will take your money but if something happens it will be used as an excuse not to pay you. Their words and also remember all I did was be honest and enquire about a business. I did not and do not have one.

I switched to RBC after discovering that their rate was a couple of hundred dollars less than my previous insurance company. After their home inspection they required a plumber's assessment because the water pipe attached to the heater had 'corrosion'. We then had a plumber come to assess the pipe and he noted that it was only calcium build up from a previous old water drip. We provided RBC with the plumber's report and they told us that it wasn't acceptable, we were required a plumber's report for now, the entire house. I asked them that this was not what was asked on in the initial inspection report, yet the call taker, who had no experience in plumbing or house assessments, was adamant that in order to continue insurance with them they required this report. Despite their own inspector not asking for this.

When asked to speak to a supervisor, I was initially denied and eventually the call was disconnected, of course I had to call them back because after waiting they didn't return my call. After experiencing their poor customer service again, I chose to return back to my previous insurance company and had told RBC to cancel my policy with them and I also told them that once our mortgage was up, we will also be switching banks. At this point they said that they suddenly said that the plumbers report was waived...... At this point after the hassle we had gone through, we decided to return to a real insurance company, not a bank.