Aviva Auto Insurance Reviews

We had a dispute about part of our claim settlement.

The Aviva Ombudsman's Office called. He admitted he didn't review our emails/calls beforehand and it was very clear he knew very little about the actual claim and kept bringing up things that weren't a part of the actual claim dispute but in a very condescending way.

When we explained what happened, he kept implying we were wrong because that's not Aviva's process. He just didn't listen, was totally unprepared and said he is helping us but wouldn't actually help us but argue semantics over words he didn't know the meaning of. (It was frustrating listening to him try to be condescending about diction when he didn't have to understand the vocabulary he was using and just kept repeating himself.)

We just wanted to get to the disputed part of the claim but he just wanted to talk about random things that weren't an issue. At first, I thought maybe he was new and just didn't know what he was doing. Everyone needs to start somewhere, right? We asked to speak to someone who would listen. He flat out refused to transfer the call but, despite what he'd say in his many monologues, he wouldn't help. I looked him up, wondering how someone could be such a bad listener and so unhelpful in his position. This guy has a senior position in the company and wouldn't help. This is his job! I don't believe this is a fair practice.

From my experience, the Aviva Ombudsman behaved unethically in this instance by not providing the support they're supposed to provide customers and refusing to transfer the call to someone who didn't want to argue.

I received a price quote for my auto and home in May for my July 17 renewal. I accepted the quote and paid in full on or before the due date. About 2 weeks later, I get another bill from them for $11.00 which they said was a COVID adjustment. No big deal. Then, a full month after my renewal, I get yet another bill from them for $122.00. There was no explanation, just said renewal (adjusted). I called and they explained that for me to get a COVID rebate (wow, $36 for 3 months), they had reduced my mileage to 1,000 km. and then, after the COVID period was over, they had to manually re-adjust to my normal mileage of 5000 km. The COVID rebate ended June 21, my policy renewed in July. Furthermore, when they send out the renewal in May, they knew the COVID rebate expired before my renewal. I pointed out to them that they quoted me one rate then charged me another, even wrote a letter to their ombudsman asking for a pro-rata refund because I don't want to do business with a company that operates like this. I was told too bad. I'm stuck with them for almost another year. DON'T DO BUSINESS WITH THIS COMPANY! That's my advice and hopefully, it will prevent anyone else from having to go through the same situation I've had to deal with.

My Vehicle was hit 3 times in 4 years. The first time the driver stayed and all information were exchanged, he admitted FULL fault to me and the police. The second time the driver took off, the third time AVIVA refused to cover it (surprise) I had to pay for it. I was not in my vehicle any of the times it was hit by another driver making it NO FAULT of mine. Then a rock hit my windscreen and I had to have it replaced. This year in 2020 AVIVA sent me a letter cancelling my insurance due to "4 events in 4 years" now remember event one the driver stayed, event two the driver ran, event three AVIVA refused to pay, and event four was a rock. I have never had a ticket and have been driving for 20 years, also have NEVER had an AT FAULT accident. Also during event number two the hit and run where the driver fled, the garage that AVIVA insisted that I go to cause an additional 1400.00 in damages to my vehicle. I called their Ombudsperson who naturally sided with AVIVA and I had to pay to repair the 1400.00 in damages out of my own pocket. We had (I say "had" as I am in the process of cancelling) my vehicle, my wife's vehicle and my house insurance with AVIVA - Count yourself very lucky AVIVA that lawyers are so expensive and that you are simply not worth the headache because if I had the time and the energy I would sue them. You treat your customers like garbage. But boy do you guys like to make sure to collect your premiums. Sure like to break your contracts though. Dishonest, lying company.

My husband was in an accident with an illegally parked vehicle with no markings and it totalled our vehicle and my husband is the superman so he crawled away and Aviva said he was at fault under the FDR sec170.1 but I did more research and found sec170.2 and he is not at fault but they wouldn’t budge so took it to the ombudsman and he pretty much said prove it... So we got the officer to write something and he did kinda (joke) that wasn’t good enough so we posted online and a witness came forward and that wasn’t good enough then we found out there is a second page to the accident report that shows the t/p over the white line parked and that still wasn’t good enough. I wish I could find a lawyer to make an example out of Aviva, RBC and the OPP!!! I would give them all the money they got and only take enough to buy another vehicle that’s how much I hate them! If my son and I were in the vehicle we would be dead! Ongoing since December 17-2019 and they are the most expensive! I would not recommend ever!

Don't use Aviva insurance. Very unprofessional and terrible customer service! I've been with Aviva insurance for about 6 months now. When I signed up with my visa debit card, just like I did with my last car insurance company, I also pay several other bills without any issue. Well, in August I couldn't figure out why my payment hadn't been taken out on the 16th. So I waited a few days thinking they are just late taking my payment out. So on August 20th, I called to find out why it wasn't taken out yet. The guy says it's against their policy to accept Visa Debit they needed my checking account info. I said that everything was fine, however, I disputed my 50$ NSF fee. Because I had the funds in my account and it was their mistake to not inform me that they don't accept Visa Debit when I started the account. So he said he'd wave the 50$ fee. So in September, I called to give them a change of address and give them my bank info. The agent informed me that my policy would be an extra 500$, which is ridiculous, to begin with, but I agreed. As far as I'm concerned that's a verbal contract. I get my new policy today and it's a 546$ increase. That's an extra 46$ more than I agreed to. Continuing with that 2nd agent, at the end of the call she told me my amount owing for September was 50$ more than usual. Without getting a chance to respond, she hung up. So I called back immediately, realizing the mistake. The first 2 calls I got through to an agent in less than 20 min. I waited an hour before I could speak to the next agent. So, they've obviously flagged my number now. Anyways, I finally talk to an agent and informs me that I still have the NSF fee from August. She tells me they can only way to wave the NSF fee if I show the bank documents. She didn't give me an email address or anything to send the bank documents. Something the first representative should have said to me in August and it would have been dealt with. Being very frustrated now, I asked to speak to a manager to straighten this out. She informs me that she doesn't have a manager available. I said to her I pay good money for your services and it's unprofessional not to have someone to deal with this. She said the only thing she could do is make a note and have her manager call me back. Being a Friday Monday was the soonest I could get a callback. Monday was when my insurance was due. So I ended up paying the 50$ fee. Waited all week for a callback. I had one voicemail that I couldn't understand, which must have been them. So today I got my new policy in the mail with the extra 46$ added to my policy and still having paid the extra 50$ last month. So, I called today to deal with it again. Another one hour wait on hold. As soon as I get an agent, I insisted that I speak to a manager. Apparently, the manager isn't available again. The agent I was speaking to was one of the most condescending people I've ever spoken to. Spoke to him for about 30min. By the end of our conversation, he was literally mocking me. I worked in customer service and sales for a couple of years. I know my rights as a consumer. If it was anyone else besides the insurance company I would be compensated with free services. Which I've done several times in the past! Not to mention I would have been fired on the spot if I talked to anyone like that. If someone knows a good place where I can post this I would really appreciate it. This kind of customers service should not be tolerated.

At Aviva we expect you to be lawyers and read every word of our 30 pages welcome package for you to find all the scams because we jack your rates up by 25% overnight and then screw your over by charging an extra months worth of charges when you terminate your policy after noticing 1 month after you review the policy change. We try our very best to screw over our clients and then 'read from the script' when you call in and complain. You might as well use a computer for all your service agents because they all sound like robots that do nothing for their clients. 'No if, ands or buts, we cannot prove or deny anything and you should have read your contract fully before getting tricked by us". I have been in customer service for 20 years and I know garbage customer service when I see it. Aviva will go under in a few years and all those scripted speaking non-human agents will be looking for new jobs. Enjoy it!

Rear-ended December 2018. Opened claim, car towed from the driveway and provided with rental. Made several attempts to contact the insurer, eight days after opening the claim was told via email the car was a write-off and offered a ridiculously low settlement and that we needed to release the car, collect plates, and return rental within three days. Emailed our adjustor over the next few days, to arrange a phone call. Finally, scheduled time, he failed to call us. Call finally happened, we got nowhere. The adjustor was only interested in selling us insurance for our next car. Refused to budge on the return date for our rental, even after we pleaded, as it was the holidays and we didn't have the cash flow to go out and buy a new car. Cancelled weekend plans and went car shopping. The new car would be ready in five days, rental car was due back in three. We had to extend rental at our own cost. Researched comparable cars for sale, to negotiate a fairer settlement. Immediately found three comparables with higher selling prices, and sent those through. Two of the three were rejected as they were located out of province, we had never been told that would be a qualifying factor. Also, then told we needed to find at least TEN comparables. We found nine more and sent them through, eight of which were rejected due to "special features". We were told that our settlement would remain the same, even though it very well should have gone down. A cheap scare tactic. We took a closer look at the initial valuation report that had been sent through that calculated the initial settlement offer, and we found that many of the so-called comparables that they had used included the very same "special features", with a $25 deduction applied. We sent the same set of cars we'd found back, with the same $25 adjustment, and asked for our settlement to be reconsidered. Discovered snow tires hadn't been included in the valuation. Calculated a depreciated value of $600. We pointed this out to the adjuster, to which he replied that no value would be added. The only way we could get value out of the tires would be if we switched them out ourselves before releasing the car to the insurance company. Contacted the auto body shop that was holding our car. Advised us they did not have the equipment to switch out tires. Suggested we have the car towed to a mechanic, switch the tires then tow the car back to them, at our own cost. This would negate making the switch in the first place. We tried one more time with the adjuster for the value of our snow tires to be reconsidered, along with the ten cars we had sent. Furthermore, we also noticed they had failed to calculate mileage adjustments for their ten cars, so they were comparing our car with below-average mileage to much lower-priced cars with higher mileages. After days of waiting, we finally got an increased offer. It still wasn't enough, but it was an improvement. Based on the comparables we sent through and all the discrepancies we pointed out in their valuation, we got the value of the car increased by about $750, and they also added in $225 for the snow tires "as a goodwill gesture." We calculated the offer and hoped for a little bit more of an increase, but were stonewalled with a dispute letter. We contacted GIO to see if we had a case, but we were pretty much at a dead end. We sent the Proof of Loss form to our adjustor, finalizing our settlement. We didn't hear anything from the adjustor, followed up a few more times. He said we were "welcome" to collect our personal effects and plates whenever we felt like it. A week after we finalized the settlement, we asked our adjustor for an update on the delivery of our cheque, ONLY THEN he told us that we HAD to go and release the car in person before he would release our cheque! Received a letter from RBC Insurance detailing that our policies had been cancelled at our request, but we owed them money. Our policy had always been on a pre-payment plan, so it would only make sense that they would owe us a refund for the unused portion of the month. A "final notice" arrived only TWO days later advising if we didn't pay up, a collection agency would come after us. I paid the $100 balance owing, but only in protest. It then took over a month to get our correct refunds. They owed us around $300 now - even after acknowledgment of our cancellation, RBC continued to deduct our monthly payments. The cheque arrived at the end of January but we were told by our adjustor that we would be liable for a $500 deductible if we could not provide the police report with the other party's insurance details. We protested this sudden deductible appearing out of nowhere, as our paperwork indicated that we had a $0 deductible. The adjustor apologized and claimed he'd been "looking at the wrong file." In mid-February, another cheque arrived for the $500 deductible, which had been factored out of our initial settlement and was owed to us. Also received a $300 cheque from our cancelled policies. Still outstanding at this point is the liability of our case. We emailed the adjustor the week after receiving our settlement outlining what had clearly happened in the collision once again and with the police report attached. Months later, we still haven't received any confirmation on how our case was ruled, but we assume the case is now closed and that we would have heard something by now. It certainly would have been nice for our adjustor to let us know.

Aviva has been changing my insurance for a vehicle which has been a total loss for 2 weeks. When I called and complained they said I had to call a different department to cancel the policy. This is a scam. By the way, she hung up on me.

Beware, this is how they boost bottom line by denying legitimate claims...the extreme delays in hope that policyholder loses interest or gets frustrated and walks away. Quick to sign up and consistent with pulling monthly premiums however if you ever have a claim they will delay and delay and treat you like a criminal. Six (6) months after filing a claim (hit by a driver who ran a red light) and we are no closer to a resolve and they have not provided a cent towards the $1800 put out for rental (did I mention they continued to take out full premium although there was no car on the road due to their adjuster writing off). They are known for their delay tactics (first thing lawyer told us when we mentioned who the provider was). Make sure you tell all your friends and family to stay clear of this provider for both auto and home insurance based on all the really BAD reviews for both services. Not investing in proper due diligence prior to signing on was my first mistake with these crooks!! They don't even deserve a 1 star should be -5!

Their premiums might seem more affordable but do yourself a favour and pay the extra $100+ if you must. Aviva has to be the worst insurance company in the world. First, they do not like paying out for damages, blame you for an accident that is no fault of yours, even if you have a solid proof. Their lawyers are scammers, who make up stories to get you thrown off during interviews. They undervalue your property threatened you to comply with their policy though you are in the right. I had an accident where I suffered a concussion, physical injuries, developed anxiety & depression but they are claiming my injuries are from other sources though there is nothing in my medical file stating I had these issues prior. I wasn't at fault for the accident yet they blame it all on me. This company is a crook company that should not be in operation. I have a 1 star to Aviva because I cannot go any lower.