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I had no idea that my home insurance renewed. Explained the situation as that is not what is on everyone's mind during COVID19. She didn't understand that I would happily pay a monthly but, I can't afford to pay the whole year. She told me I will be charged cancellation fee 3 days after policy renewal with the Easter holidays too, and she needed underwriter authority to credit me back the fee?!!
After having tenant insurance for two years I called RBC to confirm I could cancel without penalty if I renewed my contract again, and they confirmed. Fast forward to seven months later, and they've gone back on that. They said there are no circumstances where they cancel the insurance without penalty. I need to purchase insurance for a new apartment in a few months, and I guarantee it will be with anyone other than RBC.