RBC Insurance Home Insurance Reviews

We have been with RBC Insurance for over 20 years. In the last 3 years, we had 2 claims, Wind damage to our roof and had water come into a house. Then about a year later a flood due to a water line break from a fish tank. When our renewal came up we were told they will not cover us anymore. We did not plan these problems but they happened! I expected our payments would go up BUT just dropped ....REALLY!. I see they think of us as a number of not a loyal customer that has their car and home insurance with them even though their prices were higher than some of their competitors. I will be moving ALL my insurance.

We contacted RBC a week before getting our home. They told us to send over some info and they could insure us the next day. Well, daily we called to get info on if they got it, and days after a 2-hour wait they would say they didn't receive it try tomorrow until it was too late to insure through them. Horrible customer service and experience.

You will need to pay first and last and then charge twice for the last month. Separate agents will contradict the policy. The ones setting up the account will quote different amounts. If cancellation is required you will be charged a 2X+ cancellation fee. Do not use this company for insurance! Their customer "service" is some of the worst I've ever experienced.

I phoned RBC Insurance to ask for their address because I needed to mail my cheque for the next 12 months of home insurance coverage. First of all, I had a hard time understanding the man, who was either Pakistani or Indian. He took all my information, which is normal to do but put me on hold for 24 minutes! He kept coming back to the phone telling me that he just had to verify some information. He did that 6 times and finally, I just hung up, without getting a simple thing, like a mailing address. He did not bother calling me back to ask why we were cut off or if there was something wrong. I cancelled my auto insurance with RBC 4 months ago because they were useless answering my questions and looks like I'm doing the same thing regarding my home insurance. They have gotten worse since AVIVA took over!

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.

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?!!

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.

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