Aviva Auto Insurance Reviews

I am fed up with Aviva Insurance! They gave me two nsfs so far by taking more money than they were supposed to take even the bank said it wasn't supposed to be that much and one time charging for two vehicles not one. Well, this morning it happened again they were taking 280 for January 1 but took 390 so it's time to fire Aviva they are the worse company and a rip off we are cancelling with them today!

We got a letter in the mail a few days ago. They said that they were unable to charge my credit card, and they are charging me a $50 NSF fee? The monthly insurance is only $35.66. When we called them to dispute this ridiculous fee, they said that we had to contact our bank (RBC Visa) and find out why the charge was declined. They would only return the $50 IF the bank accepted responsibility for the error. Very odd customer service, but on to the next step. I called my bank, and while there was plenty of room on the credit card, they said that Aviva had been using a credit card that had a 2017 expiry date on it for the past 3 years of charges. The Aviva representative explained that they had some sort of agreement with RBC/Moneris that expired cards will still be honored, which is why it was still working for 3 years. Well as of the last charge, it stopped working for them. Aviva told us it was due to "insufficient funds", but the bank says it was because they used a 2017 expiry date that was no longer accepted. I believe what happened: RBC Visa just issued me a new card, and the 2017 old one stopped working. The weird part here is it looks like Aviva may have recently updated their system because when I first called in they told me that had the card on file with the 2024 expiry (which we never provided to them), which PROVES that they have an agreement between RBC Insurance and RBC Visa to automatically update the expiry dates when new cards are issued. My concern here is not so much over the personal $50 charge but is for the thousands of Canadians that are being charged $50 NSF fees by Aviva / RBC Insurance when a credit card doesn't work. Through our company, we have over 100 monthly credit card charges that come through, and occasionally, they bounce for whatever reason. Not once have I see a company charge us anything for that... they simply send us a notification and let us know they will try the card again in X days, or warn us that service may be interrupted after a certain date. Does anyone know the name of the government bureau that I can write to about this? Does this $50 fee for an expired expiry date seem ethical? Yes, I know that when you get a new card, it is up to you to reach out to all of your vendors, BUT every single other vendor simply lets me know they need the new #, and I've never once been charged an NSF fee for that.