RBC Insurance Home Insurance Reviews

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.

This tale falls primarily on RBC who outsources their underwriting to Aviva but also Aviva for being cold. I had a property that was a primary residence and insured. I had to move back to my home province and was to be living with my parents until I found a new place. A lot of insurers require a primary residence insured in order to insure a rental property, that's fine. However, when speaking with RBC employees/customer service, on multiple occasions with three employees, they all said as long as I took out tenant insurance on my parents home, even if I don't need it, it should be fine. This was my plan. Then I called to go forward with the quote, and when they reach out to the underwriter for approval (which they required for this but I was not aware of the potential ramifications), I was not only told I could not do it but also told I need to cancel my CURRENT home insurance policy (effective 15 days) so it showed voluntarily cancelled, or the underwriter would force the cancellation and that would be shown on insurance records. Would not even let me digest the 180 degree turn that just took place. If it's that easy for them to rush you and get you to have a 15-day window to scour for another insurance provider after giving you only positive information, then I'd second-guess having them as an insurance provider. Say what you want to hear, and then "oh turns out we can't do that", imagine trying to get a claim. Jesus.

I had damage from a wind storm (July 2nd) and I'm still waiting to see what's going on (July 27). I call and leave voicemails and according to their "I'll call you back within one business day" is never honoured. I'm so frustrated with them. I didn't know that Aviva were the underwriters. They won't keep me updated on anything. I'm the one with the hole in my house. I want to call and change my insurance company but I can't even get ahold of anybody from RBC. I've even emailed them...it's so frustrating.

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!

This place is the worst company if you have a deceased person that lived alone and have property insurance with RBC...they wanted me to fax the death certificate and will...okay, I will ask how many of you have a fax at home...so they said I could email the documents but that took a few more calls to them and it still is not canceled ...is this how RBC makes all the profit by delaying to get more money from the DECEASED estate ...RBC Fail!!!

Our family had been a loyal RBC insurance customer for over 12 years. We unfortunately had a house fire and someone break into the uninhabited house the next day to steal all of our electronics. This was then treated as 2 separate claims. Through the claims process and before moving back into our house RBC/Aviva sent us letters that they were not going to renew our insurance when it came due because we had reached 2 claims in a given amount of years. They would renew our auto policies however now other companies have a more competitive rate based on multi discounts.

We are no longer clients.

Had claim free home insurance for 20 years. Premium increased this year by 16%, so I called to find out why. After going through grilling about things that no longer existed when the house was built such as oil tanks, we went onto new metal roof and furnace which are supposed to lower the premium. It turns out the premium would be going even higher because the metal roof costs more to replace. Needless to say, I am shopping for a new insurance. This would have been a zero star review but since the rep was polite and only doing her job I didn't feel right to rate her low. The problem is not the employee, it's the company. So for those of you proud of installing home improvements that should lower your premiums, beware.