For anyone that has auto insurance from Aviva Canada I strongly suggest you find a new provider and for anyone who is contemplating using them for insurance to stay well clear of them.
They are a horror story and only want your money and will find any excuse to avoid payouts.
Here is my horror story.
I have had them for over 10 years as my auto insurance provider and dutifully paid the premiums on time, every time, even when I heard others had cheaper premiums with other companies.
Stupid me.
On July 2018 I was involved in an auto collision. The other driver was at fault and was charged with careless driving by the police officer. It was my bad luck that he also had Aviva insurance. I reported the accident in same day. Aviva quickly wrote off the vehicle, even though the damage did not seem that extensive, and low balled me on the payout. Less than half of what I paid 2 years prior. I argued that I had done some major repair work on it 6 months prior and should be at least partially compensated for that as well. According to Aviva that is apparently where I committed a sin. It seems we cannot question been ripped off by them. After 1 months of no definitive answers from them, in frustration I cancelled my multiple auto and property policies with Aviva. They lost a total of $6,600 annual premiums because of their unprofessional approach. And really for a mere $12,000 claim. That appeared to have been my second mistake. I believe that they thought it was now payback for cancelling my policies.
They took over 6 months to make a case that the work was not done as detailed in the receipts I provided. They put me through a phone and an in-person interrogation (the gestapo could not have done a better job). The end result was that they declined my claim including the car rental I used for 1 week after the accident. While it may be true that the auto shop cheated me on the work done in the bills they should have simply declined the receipts and maintained their original offer, low as it was. Talk about adding salt to a wound.
I have now retained a lawyer and proceeding with legal action against Aviva.
Stay away from this scam of a company.
Reviewed on: 7th March 2019
Do not buy insurance from Aviva!
Worst company to deal with when you submit a claim.
2 months since a car accident where the other driver was at fault and charged and I still have not received a penny for my vehicle which Aviva wrote off.
On July 27, 2018 I was involved in a car accident where the other driver came out of a side street and side swiped my vehicle. Police was called, and the other driver charged since he was clearly at fault. Police filed a report, and, in turn, I submitted a claim with Aviva Insurance same day. Found out other driver has same insurance company. Aviva wrote off my vehicle though damage did not seem extensive to me. They low balled the value of my vehicle ($8,000 CDN). I made an argument that it should be more ($11,000 CDN) and submitted repair/upgrade bills to make my case. They responded that they will investigate but also pressured me into giving up my rental car within 5 days after the accident though rental cost were way below what I was entitled to. I was subjected to 2 lengthy interviews by Aviva that were more like interrogations questioning the accident and costs. Asked for a detailed written report from me and asked for a witness signature, Commissioner for Oaths, which resulted in lawyer fees. Before I obtained the signature, I sent a filled-out form (that had no instructions) to Aviva requesting a review to ensure it was completed correctly so it would not be rejected. Review came back good. I got the signature and submitted the form. It was rejected within 3 days by Aviva. Reason: "said loss was caused by" should have said "Collision" while I wrote in "Improper left turn by other driver". I refilled it out and got a new signature which resulted in more lawyer fees. 2 weeks since I submitted and still no response. I phoned the Aviva representative several times. No response and left voicemails. It is now Sep 19 and almost 2 months since accident and no compensation from Aviva.
Next stage is to get a lawyer and start litigation.
I have had insurance from Aviva for just over 10 years and paid them over $60,000 CDN in fees and this is how they treat you when you make a claim, and not a large one at that.
I have since cancelled my cars insurance, house insurance and cottage insurance with Aviva.
DO NOT BUY INSURANCE FROM AVIVA!
Reviewed on: 19th September 2018
Do not buy insurance from Aviva!
Worst company to deal with when you submit a claim.
2 months since a car accident where the other driver was at fault and charged and I still have not received a penny for my vehicle which Aviva wrote off.
On July 27, 2018 I was involved in a car accident where the other driver came out of a side street and side swiped my vehicle. Police was called, and the other driver charged since he was clearly at fault. Police filed a report, and, in turn, I submitted a claim with Aviva Insurance same day. Found out other driver has same insurance company. Aviva wrote off my vehicle though damage did not seem extensive to me. They low balled the value of my vehicle ($8,000 CDN). I made an argument that it should be more ($11,000 CDN) and submitted repair/upgrade bills to make my case. They responded that they will investigate but also pressured me into giving up my rental car within 5 days after the accident though rental cost were way below what I was entitled to. I was subjected to 2 lengthy interviews by Aviva that were more like interrogations questioning the accident and costs. Asked for a detailed written report from me and asked for a witness signature, Commissioner for Oaths, which resulted in lawyer fees. Before I obtained the signature, I sent a filled-out form (that had no instructions) to Aviva requesting a review to ensure it was completed correctly so it would not be rejected. Review came back good. I got the signature and submitted the form. It was rejected within 3 days by Aviva. Reason: "said loss was caused by" should have said "Collision" while I wrote in "Improper left turn by other driver". I refilled it out and got a new signature which resulted in more lawyer fees. 2 weeks since I submitted and still no response. I phoned the Aviva representative several times. No response and left voicemails. It is now Sep 19 and almost 2 months since accident and no compensation from Aviva.
Next stage is to get a lawyer and start litigation.
I have had insurance from Aviva for just over 10 years and paid them over $60,000 CDN in fees and this is how they treat you when you make a claim, and not a large one at that.
I have since cancelled my cars insurance, house insurance and cottage insurance with Aviva.
DO NOT BUY INSURANCE FROM AVIVA!
Reviewed on: 19th September 2018
