RBC Insurance Auto Insurance Reviews

RBC/Aviva will find their way to decline your claim, so you can't rely on them and have peace of mind. Mine was declined only because my rental cost was reimbursed by another insurance company as a replacement transportation because my own vehicle was hit and damaged, even though that company did not insure my replacement vehicle. So never rely on RBC credit card insurance coverage. It's not worth the paper their certificate is written on.

My insurance was being charged to my credit card which was compromised. RBC charged me with an NSF. This was not my fault - 11 years of regular, timely payments and they couldn't overlook this one-time issue that wasn't my fault. Never dealing with RBC again.

I obtained a quote online that seemed to fit my budget. When I called and gave my quote number I was asked the provide all the information all over again. After providing all the information and answering literally 25 questions I was put on hold. I came back and answered another round of questions, placed on hold again. they requested I sent over documents of previous insurance and I did while being placed on hold again so they could review. I answered another round of questions and was placed on hold again. After being on the phone for an hour and twenty minutes I was informed that unfortunately, I would need to submit a paper application where I would need to explain the answers to the questions they had asked me, that it would take 3 weeks to process and then I would receive another quote! I literally laughed at the representative and told him he was insane if he thought I would go to all that trouble just to get a quote. If they wanted me to jump through all those hoops just to get a quote, imagine the nightmare that must be trying to file a claim with them. I hung up, called a different company, had a 10 min phone call with the agent and was insured within the hour and for a lower rate. I will never EVER do business with RBC insurance.

I changed my address a few months back, and at that time was notified that payments were switching to annual lump sum vs monthly payments. I wasn't overly pleased with that but told them that it was fine. I just received a call from my financing company saying the insurance company notified them that my policy was cancelled. When I called RBC/Aviva insurance, they said I never paid, and I've been driving without insurance for 2 months now. I had given them consent to take the lump sum from my account back in September (same as they had been charging me monthly before), yet they didn't charge me, then cancelled my policy without any attempt to phone or email. When I asked for the policy to be reinstated, they quoted me my old price, then on the same phone call said that the premium was actually 50% more than the quote they had given me minutes prior. When I asked why they said that was just what the quote was. On top of that, they wanted me to back-pay for the two months that I was apparently without insurance. I've had 1 speeding ticket in my life (4 years ago) and never been in an accident in which I was at fault.

Every time you change your car the bump your premium. Doesn't matter if you change to a smaller or a larger vehicle, the most base model or fully loaded, active safety or not, cheaper by thousands or more expensive. Absolute nonsense.

Do not deal with RBC Insurance / Aviva Insurance. Ownership and/or structural changes of Aviva has changed and have made this a terrible insurance company. This year, all clients were forced to fill out paperwork by hand to renew their auto insurance. Terms on the paperwork were confusing and to make sure everything was completed correctly, I had to go to into office location to fill out. The receptionist at the office was complaining about how there were too many phone calls and how that was annoying. It takes a long time for agents to meet with you. Calling the company, I have been on hold for a very long time. After going through the hassle of all the paperwork, Aviva sent me changes to policy upon renewal with $0 for collision and comprehensive. Absolutely ridiculous and unacceptable.

After 2-year finish agreement calls me and asks to make the payment! Now RBC sold to Aviva sure after the bad history with clients ... They do that with 3 from my friend they try to rob them after a couple of years. This is disgusting. RBC Aviva your are in the blacklist for all my live & friends & relative.

I have been with RBC insurance for home and auto for about 3 a year. Each year without any reason they raised my rates despite no claims. Last year they made some dumb excuse that there was a fire in Alberta, so my Montreal rates had to go up. Today, when I asked when is the excuse now they hung up! After arguing that they gave me a 2 $ /YEAR DISCOUNT! AVIVA / RBC insurance is finished for me!

I've been an RBC Insurance customer for over twenty years. Everything was great until a few years ago when RBC got Aviva to operate this part of RBC's business. 1) Out of the blue in April, I got a letter saying I had to re-apply for my auto insurance or they'd cancel my policy. This was done under the pretense of "updated customer information". Of course, nothing had changed and it made no sense as to why they were making us re-apply. 2) This requirement included a bloated application form, including stuff that really needed an insurance professional to fill out, but there was no guidance provided. I've done online forms for other agencies when checking prices, and none of them were remotely this indecipherable (yet they were just as comprehensive for the information they asked). We re-applied and got our insurance on our second try, with no notes on what we did wrong to offend the insurance gods the first time. 3) Now we must pay an annual lump sum for our insurance, not monthly payments. Why? Ask those insurance gods again, because I have no clue. 4) If annual payments aren't bad enough, they didn't inform us that they stopped the automatic billing from our bank account, so we got a letter in the mail telling us we were late. There's no option I can see to go back to automatic billing. In short, if you're a new customer, avoid RBC Auto Insurance. If you're an existing customer, consider leaving (I can't even begin to imagine what it would be like to have to file a claim with them).

Since RBC Insurance merged with Aviva the customer service has been none existent. Like others, I had to reapply for my car insurance, the letter they sent with it was not very pleasant! My home insurance went up by 50%. I was with Aviva before and didn’t like them so I was extremely disappointed when RBC aligned with them. I had to wait on hold for 1 hour to tell them I was not renewing my policies. Don’t waste your time, look elsewhere!