RBC Insurance Home Insurance Reviews

I was gainfully employed within the Alberta Oil and Gas sector for many years. July 2016, I had serious medical issues arise and unfortunately had my contract terminated by the Oil company I contracted for. Have always carried both Home Protection as well as Loan Protection with the RBC for any products in which we owned RBC collections starting the phone calls when things started to fall behind. I spoke to them about possibly increasing our line of credit as we had been living off savings. They declined as they told me I had no income, so, therefore, was a bad risk. Mortgage, 2 CC and a line of credit were all perfectly wonderful when my credit was A1 but when I was unable to work, RBC started with the non-stop "harassment". Only after getting into a knockout, drag-out screaming match with an RBC collections representative, telling me perhaps consider bankruptcy, did she accidentally slip the question, "Didn't you ever think about having insurance?" did it finally click. I had insurance on all outstanding items and yet, NO-ONE within RBC bothered to mention anything to me each and every time they decided to call demanding payment schedules. After I approached RBC insurance directly (different arm versus collections that don't speak to each other) was I told, that in fact yes, I had coverage with RBC Home and Loan Protection. Fast forward to jumping through each and every hoop both RBC and their Canada Life organizations put before me...finally, August 2018 was I approved. Both my Mortgage and Line of credit are being paid. Because I had outstanding arrears on my CC's, I submitted a claim for both of those as well. RBC third-party insurance paid off the majority of one CC but then RBC tells me that I, in fact, had no coverage on the second CC. I have asked them repeatedly to produce the RBC document that an individual signs when they decline coverage. Still today, no one within the RBC can produce this document. I have always carried insurance on each and every item in which I received from RBC, but this CC, somehow was not covered? I received a letter from RBC demanding payment in full for my Line of Credit. Once again, I contacted RBC insurance to ensure that the insurance premiums were being forwarded to my outstanding balance and was assured that the payment was, in fact, being paid in the 30th of each month as long as my disability was still ongoing. RBC insurance advised that they would contact the collections department that the payments were now being paid by my loan protection insurance. Yesterday, my hubby and I attended a funeral for a family member. My phone went off during the sombre drive to the small town it was taking place in. A "bailiff" was contacting me to find out when I would be home to serve me papers on behalf of the RBC. Today, I was served documents from a lawyer representing RBC foreclosing on my home for the full outstanding mortgage amount of $182 k along with the Outstanding Line of Credit balance of $44k. Any monies in which I deposited to my RBC account to pay towards arrears of my mortgage were "grabbed" by RBC to put towards the outstanding unsecured CC in which they will not recognize as their screw-up. This is right next door to criminal behaviour by the RBC machine as they want me off their insurance books. As long as the medical professionals continue to support my disability, my insurance, yes, owned by RBC has to pay out. My medical specialist actually had to write RBC insurance and RBC collections a letter banning them from contacting me as their treatment towards me was a serious deterrent in my recovery process. I would warn everyone against RBC insurance as they play by their own rules and unfortunately, most of us just can't play the game.

I had a fire claim, it took them almost a year and they did nothing. They told me they could give me the money and I could do the work but they held back 25 %. When almost all the work was completed, I called and said I wanted the additional funds. They said it is over a year and the claim had expired. This is a total lie. In Ontario, we have two years to complete a claim. I could go on and on but in short, this RBC insurance company are scum. When I cancelled the policy, I paid a premium $117 for December 1. Cancelled on the December 9th and got a $19 refund. In other words, they can do anything to screw you around and you can't cancel without a penalty.

4 months ago put a claim and zero work has begun. Even for safety purposes reasons, RBC is nickel and diming me. Gas line may rupture - still will not repair. Century West, who is supposed to be doing the work in 4 months, have spoken to them 3 times I initiate the calls. The insurance adjuster said if I didn't like what Century West was doing, they would have to pay me out. Just found out there is no claim amount yet, so how do they pay me out?

I have a Home insurance premium coming out of an account for my daughters RESP !!! To make matters worse, I sold the property 4 years ago and RBC knows that. They want to see proof of insurance for my new home and then they will "investigate to see if I qualify for a refund". No renewal to sign...just keep taking the cash! Nobody with an ounce of authority has ever reached out to me from there. I have to do all of the calling !! I'm moving our investments out and to another bank. If you need insurance, stay as far away from RBC as possible. If this is how they handle a problem, just imagine how they handle everything else.

Absolutely the worst customer service I have ever experienced. RBC as an organization does not value its customers on an individual basis, nor does it value its retention of loyal customers. RBC unexpectedly cancelled my home and auto insurance policies, only to demand the remainder of each policy to be paid up front. This tactic is unethical and should be illegal. My banking, mortgage, investments and all insurance products were with RBC, all will now be changed due to their poor customer service and the countless hours on hold waiting to speak with a careless call centre.

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.

I have been trying to have RBC insurance come to my home which suffered damage May 4, 2018 (it is presently July 23rd). I have since repaired the roof myself awaiting their appointed “assessor”. I have paid them for years and never ever called, if I had, I’d have realized they don’t give a crap about their customers. My neighbours all have had repairs provided by their insurance companies (some the next day!), I feel so dumb for being with RBC.

I have been trying to get ahold of them to cancel my policy. My premiums doubled in 2 years (never had a claim). Anyways, after many days of trying to get ahold of them, I did (waited 2 hours on hold), then it took the representative another 45 minutes to process my request (Mostly on hold again). Terrible in every way possible. Way to go, RBC...

I do everything with RBC...some fraudulent purchases were made on my visa in 2017 and I missed a payment as a result. I called and had the issue rectified. At the same time, I provided updated information along with an updated mailing address. RBC insurance failed to update the information I provided. They subsequently sent my mail to the WRONG address. No phone calls, no emails...nothing, just 1 piece of mail to the wrong mailing address. It actually wasn't even a former address...now RBC insurance won't insure me because of their mistake! Now my credit score is reflected as a result and my premiums have gone up with my alternate insurance company...Horrible. Never ever use them...I'm even considering leaving RBC because of it.

When RBC decided to change over my home insurance policy to Aviva, I was charged double on one month payment. I sent an email to Aviva and they said they couldn't handle my complaint because I was still with RBC until March. Then I contacted RBC who said they couldn't handle my complaint because they didn't have policy information for me on file, and I was given a number to call which ended up being RBC Insurance's number. Apparently, RBC charged me for the month of the insurance (i.e. Feb 1 for the month of Feb.), and Aviva charges me for the month in advance (i.e. Feb 1 for the month of Mar) ,so there is an overlap of two payments in one month. There was absolutely no communication about this from RBC until I spoke to the really nice customer service person on the phone this morning. Shame on you, RBC - this move has damaged your reputation and made your customers irate. Hope it was worth it!