RBC Insurance Home Insurance Reviews

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 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.

RBC is terrible, they got agents pretend to be friendly but all they do is up sale the heck out of you. I had a gut feeling that they cheat and lie to get your pay them first and does't really cover anything. Later on it proves me right, I had a sewage backup and they denied the coverage with all kinds of excuses. And when I decided to cancel my vehicle insurance with them they immediately jacked up my current home insurance by 20% to deter you from leaving them.