RBC Insurance Home Insurance Reviews

RBC is a joke... I was paying $78 dollars for home insurance and because they say my house went up to $14000 my new monthly payment was going to be $204 I’ve been with them for 10 years and this is how they treat you never again will do business with RBC. Stay away.

You always talk to a robot and they make you wait 45 min. And they can t call to let me know the payment didn't pass because they didn't have the right card number. They hung up the phone and don't call back. So frustrating.

I had a quote for house insurance. I made it clear that there is knob and tube wiring in the house on the initial call ( which I understand was recorded). Had the insurance for a few months. RBC sent a house inspector to look at the house due to its age. Was surprised to receive a call saying that I had lied to RBC and I was committing fraud. I told them to listen to the original recording but was told he did not have access to it. Was then told that I should cancel the insurance myself rather than have it cancelled for me because it would make me look like a liar and I will find it difficult to get insurance in the future. I did this because I didn't really want further trouble. I also made a complaint about the attitude of this worker. The 'complaints department' also said that they 'do not record all calls' and will not be able to verify my statement. I can understand if they admit that they have made a mistake and say that they will no longer provide coverage for the house. What I cannot accept is being called a liar and a fraud for their mistake. I will never have anything to do with RBC again for anything. They have the worst customer service amongst big banks.

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.

They will decide to terminate your insurance halfway through the year for a bogus reason the underwriter decides to pick in December. They will give you time until the beginning of January to find new insurance. They do not care that it’s Xmas and New Years, they have deemed they have given you enough time to get new insurance. This company has made a brand new homeowner know what to not look for in a home insurance company! They will not work with you at every chance they get.

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.

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 a Home insurance premium coming out of an account for my daughters RESP !!! To make matters worse, I sold the property 4 years ago and RBC knows that. They want to see proof of insurance for my new home and then they will "investigate to see if I qualify for a refund". No renewal to sign...just keep taking the cash! Nobody with an ounce of authority has ever reached out to me from there. I have to do all of the calling !! I'm moving our investments out and to another bank. If you need insurance, stay as far away from RBC as possible. If this is how they handle a problem, just imagine how they handle everything else.

Absolutely the worst customer service I have ever experienced. RBC as an organization does not value its customers on an individual basis, nor does it value its retention of loyal customers. RBC unexpectedly cancelled my home and auto insurance policies, only to demand the remainder of each policy to be paid up front. This tactic is unethical and should be illegal. My banking, mortgage, investments and all insurance products were with RBC, all will now be changed due to their poor customer service and the countless hours on hold waiting to speak with a careless call centre.