RBC Insurance Auto Insurance Reviews

This has to be the worst ever customer service department I've ever had to deal with or even imagined existed. My insurance was abruptly cancelled because of "material change risk" I was told because of some phantom "two at fault accidents in the past six years". Now consider this .. I've gone to every length to prove to there people after days of waiting half hour to one and a half hour on the phone to speak to someone. After all of that and their so-called escalation, absolutely nothing has budged even though I have all the proof that I have no at fault claims in my history of driving. Now I'm left with no insurance and cancellation on my record that will take forever to go away. Moving to RBC insurance has to be one of my worst mistakes and it's very regrettable indeed.

I was with Aviva for one year - had no claims and a clean driving record, but no longer am because of the following. Their renewal process is needlessly complicated - they mailed me a renewal application in December, which I then had to mail back. Why the renewal isn't automatic like other insurance companies I don't know but I hadn't had any reason not to renew, so I dutifully sent back my completed application in January. I then got a phone call saying that my application was incomplete because I hadn't filled in N/A in 3 places! I thought it was ridiculous that I had to mail off an application in the first place, and that they couldn't just accept my verbal confirmation for N/A to be filled in. Keeping in mind that they take some time to process your application, and I got this phone call shortly before my insurance was about to expire, this seemed shady. In any case, I filled it out quickly and sent it again before expiration. I then had to call them 2 times to see what the progress was, waiting on hold for minimum 20 minutes each time, and they kept saying someone would call me the next day with a quote once it had been processed. No one ever did. I find it very unbelievable that I can get a quote by calling in if I am a new customer, but that they cannot give me a quote for renewal until the entire application had been processed. The third time I called I spoke to a lady who finally said that my renewal had been approved and that it had been mailed out. At this point, my insurance had expired, and this is when I found out what my quote was: $300 more than the previous year! She assured me I still had time to cancel before my card was charged, and did not mention anything about a cancellation fee. So I waited until I received the mailed out package and then called around and found a much more reasonable quote with TD ($450 less). I then called RBC back to cancel my renewal - at this point, the guy said that as my policy was already in effect, I would be charged a cancellation fee, plus the insurance for 2 weeks, which worked out to a whopping $291. This made me really upset because that is a lot of money for me. It was still cheaper to go with TD, so I still cancelled but I am really unhappy with Aviva's shady tactics. If it was this hard for a simple renewal, I am glad I never had any claims with them. Also, they have changed their policy so that you have to pay the entire premium upfront, which is a huge expense. Buyer beware and I hope my review has at least helped someone.

Similar to the other person, I too had to reapply for my auto insurance with a firm debt to me. I called to ensure, no pun intended, I did it correctly. I did not and my policy was cancelled because the form was incomplete. The broker told me to look for another insurance policy. I was a client for 9 years. I am now addressing the issue with my property insurance. I would not be surprised if they are trying to get rid of me as a client. My rates were very reasonable as I am finding out as I scramble to get insurance through others. Do not trust this company or their processes.

RBC used to be great but suddenly I get a registered renewal form in the mail asking me info about my cars they already have in their system. I went to the local office to get help filling out their form. They said it's not their job and if I mess it up, they will cancel my insurance. When I commented why the change they said "Aviva happened" and told me that half the staff at the office quit, and most clients didn't bother renewing. They were nice enough to hand me a printed off sheet of their former brokers and their new (not Aviva) companies and recommended I call them. You know a company is broken when the staff have pre-printed forms complete with contact numbers for the competition.

They will not keep their clients, they will give you an option to go to another insurance broker, they don’t care about their clients. Very poor service.

Don't waste your time. Incompetence runs rampant here. The application process is long and painful and in the end, there aren't any savings. Avoid RBC Auto Insurance if you value your time and sanity.

Long long long waiting time and poor service. I am not satisfied totally. The advisor does not respond to email and voice mail.

Long long long wait time on the phone just for a minor change and simple inquiries. I've been a long time customer but would consider switching insurer. This has happened after Aviva bought the RBC insurance business. Should actually deserve a zero rating.

I have been a Home Insurance client with this company for a few years. This year I decided to add Auto as well. The process started over a month ago whereby they mailed me an application. I filled it out and emailed it back to them promptly. No one called me to give me any feedback. I called and I had the same experience as the others - callback in 1.5 hours and then the agents have no clue what is in front of them. They told me that someone tried calling me, however, I could not reach as my number was not valid. I told them I am calling from that number. Then they told me that my phone probably does not accept blocked number calls and I said to them why are you calling from a blocked number. Your display should clearly state RBC Insurance and you could have emailed me. Then they proceeded to tell me what corrections I needed to make to the form, which I did and scanned it back to them. The same cycle/ no callback. I called/ 2-hour callback/agent now says that there are additional changes to be made. I asked them why do they not accumulate all the changes and advise rather than doing a piecemeal job of going back and forth. Long story short - it has been over a month of me going back and forth, I have called to follow up again and again and I still don't have an answer from them. If they have so many problems dealing with a simple application from a 5 star rating driver/customer, who already has a good history with them on the home insurance side, I don't know how they will deal with anyone who has had bumps along the way, is not computer literate, does not have a scanner, cannot wait by the phone for 2 hours at a time only to be told that your valid number does not work or accept blocked calls.

Had a 5,000 claim in 2015, in 2017 Aviva partnered with RBC as the underwriter and then they cancelled my insurance 1 month before my renewal!!! RBC said AVIVA sent me a re-application via snail mail (which I never received). Because I didn't "reapply within 2 weeks, they sent a "registered" letter informing me my policy is cancelled and they no longer want me as a customer. AFTER 15 years of being a customer, never missing a payment! No changes in my vehicles or driver rating. (They actually said they would NOT cancel my House insurance! LOL). BEWARE, Aviva now RUNS RBC insurance and the complaints line I called said they are targeting longtime customers and snuffing them out as most have a declining deductible clause (my $500 deductible was at $0 because of my 15 years of "Loyalty"), haha. They ACTUALLY said I qualify for the exact same coverage after the RBC agent issued me a quote and I would have NO lapse in coverage, HOWEVER, there would be $150 rate hike and I would lose all accrued loyalty benefits such as my declining deductible, which was at $0, so re-set to $500. RBC's bait and switch predatory practices are despicable, I don't believe they ever mailed me any re-application/renewal forms and obviously by not emailing me or calling me to notify me about pending policy cancelation (they had my email and home phone number on file for years) they obviously targeted me and are looking to get rid of long-term customers. The RBC insurance Rep apologized for AVIVA's unscrupulous corporate tactics as this is new to RBC, she sounded embarrassed after admitting she is getting multiple calls from longtime customers with similar complaints. Note RBC does not target new customers, within the last 2 years, rather longtime loyal customers they want to get rid of. Good luck RBC, I'm lodging a complaint with the Ontario Insurance Ombudsman and notifying my Union, my workplace as well as my friends and family to steer clear of RBC! AVOID the renewal cancellation hassle by RBC auto insurance.