RBC Insurance Home Insurance Reviews

My bad, missed a payment due to Credit card charge. But no mercy, they said they had a change in June to regulations that I was not informed to Cancel for NO payment and NOT reinstate even after I have paid. Then they want to quote a new policy and Jack up my rate as a non-pay Cancel customer over the roof and take full payment for the next 3 years at the beginning of a year. I will agree to that as I have to take some responsibility as well. Shady scam artists do this kind of business, I pleaded as I have all services investments with RBC! DON'T get caught in low initial rates, it may not cover all your perils properly.

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.

I recently made a change to my credit card and forgot to inform RBC about it. My fault, no doubt. I received a registered letter later stating that I failed to make my last 2 payments and that they would be cancelling my policy. I ultimately made the payment but missed the deadline by ONE day due to circumstances out of my control. Again, not their fault but they refused to budge. Payment had to be in their hands on the Friday at noon, but they only received it Monday at 10am and they cancelled the policy and would not re-insure me. I spoke to 3 different managers and each of them sounded like broken records, saying it was out of their hands. This complete lack of flexibility toward a long-standing paying client is despicable and demonstrates loud and clear that we are just numbers to them. Will definitely be moving ALL assets out of Royal Bank

I missed an automatic monthly payment due to a changed visa card# (my fault as I failed to notify RBC of the change). Despite their knowledge of my absence from Canada, RBC cancelled my home policy before I returned--and will not renew policy (for three years) even though I paid balance in full as soon as I knew. Received mailed notification when I returned home but it was two weeks too late. No call, no email to notify me of situation while away. Missed payment of $13.00. My fault, yes, but inflexible policy jeopardizes likelihood of obtaining new insurance. Be aware.

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 have had a horrible time with Aviva home and auto insurance.
They didn't explain about policy cancellations fee the kept hidden and the charges me unfairly. I wouldn't recommend this service to anyone.

When RBC Insurance (Aviva General Insurance) sent a general notice that they were raising rates in the area by 14%, my wife and I said fine. We would take it in stride and deal with it, we'd been with them for quite a while, after all. What they didn't bother to tell us was that our credit card on file had expired. Fast forward a month and a half or so (Aug 27th), my wife contacts them to confirm the new rate and finds out the issue. No problem, we update them with a new card, the new payment will be taken, and things will be fine. She gets assurance from the agent on the phone that no NSF fees would be charged, and everything will be fine. Today at 4 pm on Friday, we get a buzz from the mail person saying he has a registered letter that needs signing. Huh? Wasn't expecting anything today... Well, you guessed it, it's from Aviva/RBC insurance, and it's a notice dated Aug 29th that our insurance has been cancelled due to non-payment, and we only have coverage until Sep 16. We now owe an additional $127 and have to pay a $25 NSF Charge. Perplexed, I call the number printed on the top of the letter: 1-800-769-2526, and I get an automated voice offering me a chance for a free cruise for doing a questionaire. I promptly hang up and get the correct number off their website: 1-800-387-4518. Anyway, the agent does the standard security questions, everything is fine, and then informs me that because they had two failed payments, one in July and one in August, our policy automatically moved into cancellation and we have to pay for the remaining two weeks up to Sep 16 and the NSF charge. I ask how to fix the problem, and the only solution is to get reassessed and start a new policy, but we may not get the same rate anymore... I asked why we hadn't been informed sooner and she had no answer. At that point I'd had enough. I'm left to concluded they wanted the payments to fail on purpose so they could reassess us at another rate entirely, not just the 14% increase. They had our contact information all along as evidenced by the rate increase notice, but instead opted to lie by ommission. Really, I think we have to take some responsiblity for dealing with them over the phone, rather than by email where we could have a written record of everything, but no one really expects this kind of behaviour until it happens to them. Do not trust RBC Insurance/Aviva. This is a very greasy company. There are plenty of stories online of their practices against their clients and even their own employees. I guess I should count ourselves lucky we're out of it before something bad acutally happened. RBC Bank proper needs to step in and do something since it's their name getting dragged through the mud.

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!

Currently on hold for 29 minutes, trying to cancel house insurance after rate more than doubled (and was withdrawn from my account without my approval 3 times). Haven't heard a human voice yet, just suggestions for how I can go online for a quote. The onboarding experience a few years ago was terrible, but I didn't want to go through it again with another. Treated badly enough now to try someone else.

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.