RBC Insurance Home Insurance Reviews

Worst Service Ever, Avoid RBC Insurance. For emergent communications, they chose to send registered letter, instead of calling or emailing which is the only way we can receive during stay outside Canada. It caused huge trouble for us. Ridiculous company that will never survive in competition.

last year my RBC home insurance premium was 615.00 this year on renewal (Oct 2013) surprised to find out the premium had gone up to 1080.00. No changes or claims year over year. My insurance document had a replacement cost on my 22x24 ft detached uninsulated, non- heated garage has valued at 80,000. and my small 4 level split in Regina Sk had gone to replacement of 400,000.
Called RBC on 2 different occasions and the rep on the phone advised a new replacement calculator was in effect and there was nothing they could for me- end of story.
I called a local broker and got a more reasonable replacement cost and cancelled my RBC insurance-beware of RBC Insurance.

It's practically impossible to get a hold of anyone. In 2022 their staff are STILL working from home and instead of having the calls automatically forwarded to their home office phone, they only allow you to leave a voicemail. They then do not actually call you back when you leave a voicemail. So you have to try calling their call centre, which is approximately a 2-hour wait (during which time you have to listen to their annoying propaganda). One such annoying thing it tells you is that you can go online and 'request a call' but when you hang up to do that the message you receive is you will get a call back within TWO business days. So if you are actually a busy person as many are and you need to speak to someone THAT day to get something done because it is when you managed to find time....good luck, it ain't happening. Oh, and it also tells you all these documents etc... you have to have ready for the call so have fun taking them everywhere you go or just not going anywhere for those 2 days as you wait, you know cause we all have 2 days to sit around waiting for a company we PAY to get back to us. Worst customer service ever!

Ridiculous joke trying to reach them! I drive from Ottawa to Toronto trying to get them on phone to outsource their customer service...
Management should all resign and take responsibility.

"Our Home & Auto Insurance call center is experiencing extremely high call volumes" message is a lie. There's no increase in volume, just a decrease in staff. For an arm of RBC, I'm shocked at their ineptitude. I don't recommend purchasing insurance from them.

This is insanity, not sure if there are 6 people assisting all of Canada or what but a 3-5hour hold time..?

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.

0 Star rating.

When I purchased my home I was required by RBC to have HomeProtector Insurance in the event of illness or death it would guarantee the payments would be covered. This was to protect the bank and me from any perils arising from injury or death.

Many years later I was involved in a very bad accident which left me disabled for a 6 year period of recovery. RBC HomeProtector began making mortgage payments after 60 days of proof of claim.

Every 3 or 4 months the payments just stop, pending a review of a doctors report. Every single missed payment event was recorded as if I missed the payments. Eventually the insurance would retro-pay any missed payments but the recorded missed payments just added up and up.

When contacting RBC, they would always blame the insurance underwriter for the problem and when contacting the underwriter, they would blame RBC. I still continued to receive the impact of the missed payments on my credit report.

Each and every doctors report clearly noted this was a "Chronic" condition, meaning Forever... Claim review is supposed to have people who specialize in clarifying doctors correspondence yet they clearly don't understand what "Chronic" means.

At one point a weekly motrgage payment had been missed for over 5 months straight! Pending doctors report under review. RBC handed the file over to Gowlings legal while a claim was still active and ongoing.

Insurance finally payed some arrears less 2 months within a day, while Gowlings were coming after my home. I had to make regular payments to Gowlings while trying to go back to work before my doctor allowed me to.

This was a horrible situation! I am an engineer and had to be professional at all times while dealing with excruciating pain, vomiting, and also taking very high doses of Fentanyl and oxycocet for breakthrough pain.

I have made every possible effort to return to work and been completely honest to report my work activity to RBC insurance. I have paid every cent to Gowlings and RBC while my mortgage was in limbo.

There was complete incompetence by RBC collections management, RBC Insurance representatives, Underwriters review personnel.

So what was I buying for many years paying premiums. They did much more harm than good. They put me in peril directly. Now my credit report looks like dart board, but I was protected. Did I neglect to mention my mortgage payment weekly was less than 200 bucks?

We shall see what a provincial court judge thinks of this predatory way of doing business.