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!

I called for a quote, and I experience the rudest person I am interacting with.

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.

This tale falls primarily on RBC who outsources their underwriting to Aviva but also Aviva for being cold. I had a property that was a primary residence and insured. I had to move back to my home province and was to be living with my parents until I found a new place. A lot of insurers require a primary residence insured in order to insure a rental property, that's fine. However, when speaking with RBC employees/customer service, on multiple occasions with three employees, they all said as long as I took out tenant insurance on my parents home, even if I don't need it, it should be fine. This was my plan. Then I called to go forward with the quote, and when they reach out to the underwriter for approval (which they required for this but I was not aware of the potential ramifications), I was not only told I could not do it but also told I need to cancel my CURRENT home insurance policy (effective 15 days) so it showed voluntarily cancelled, or the underwriter would force the cancellation and that would be shown on insurance records. Would not even let me digest the 180 degree turn that just took place. If it's that easy for them to rush you and get you to have a 15-day window to scour for another insurance provider after giving you only positive information, then I'd second-guess having them as an insurance provider. Say what you want to hear, and then "oh turns out we can't do that", imagine trying to get a claim. Jesus.

I've called twice to obtain quotes on two different homes and both times the customer service has been nothing but frustrating. From long waiting times to staff that don't seem to want your business it was nothing short of aggravating. Do yourself a favor and don't bother wasting your time to obtain a quote from them…

After 1 1/2 hours the guy came back on and told me I moved too many times in the last 5 years. He said it looked like I was flipping houses and RBC does not support that. I separated and bought a house. I moved to my home town and rented while I built a house. I am not longer working so I moved into an existing less expensive house. I was a customer for over 15years. Also a comment was made because I had a secure line of credit instead of mortgage. Really at my age ... so I have a small amount left and that plays against me!!!

They wouldn't insure us due to the garage having heat. They where alarmed when i said we weren't only going to store cars in the garage. So if you use a garage for anything, i mean anything other than storing a car, don't even bother asking them, waste of an hour of my life i won't ever get back.

My home and auto insurance will be up for renewal in June so I decided to get a head start and get some quotes. I called several companies and was treated with complete professionalism and respect until I contacted RBC. From the beginning I was treated like a criminal who was trying to sneak something passed them. The woman, with a foreign accent and very hard to understand ,was rude and I felt like I was being interrogated for committing some crime. Finally, when I had enough, I just told her to forget about it and hung up. This was my first and last time dealing with RBC insurance.

I moved several months ago and had the exact same amount of tenants insurance in my new place. I got a quote over the phone for the same price (within a dollar). then received that quote by mail. A week later, RBC sent me 3 written quotes for 100%, 50%, and 70% higher even though my insurance hadn't changed at all. They randomly went into my bank account and took out the higher rates several times in a one month period. I know that mistakes happen so I called expecting RBC to acknowledge going into my bank account illegally, refund my money and accept their first quote as the correct one. It took many months to clear things up, they were completely rude and unapologetic, never called back when they said they would and awful to deal with even though all of the mistakes were made from their staff and of course to their benefit. Had I not kept the copy of the original quote , called and wrote to the Ombudsman many times , and kept on it, RBC would have never refunded me the money they illegally took. Horrible service. Never deal with them.