Aviva Canada is a wholly owned subsidiary of the UK-based Aviva plc, one of the largest property and auto insurance companies in the world, its roots going back as far as 1696.
Contact one of our insurance brokers to get a quote from Aviva Canada for coverage in Ontario: Speak with a broker today: 1-800-731-2228
Company Overview
Aviva Canada is one of the largest general insurers in Canada, providing home, automobile, specialty, and business insurance to over 3M customers across the country. Aviva’s roots in Canada can be traced back to 1835, when Canada Accident Assurance Companywas incorporated, followed by the The General Accident Assurance Company of Canada in 1906.
Since 2009, Aviva Canada has awarded Millions of dollars to hundreds of charities and community groups across Canada through the Aviva Community Fund.
Aviva Canada has offices draws from resources around the world to support its Canadian clients. When a company this big focuses on four lines of insurance, it becomes easier for brokers and underwriters to offer precise solutions that clients need.
Aviva Canada’s Advantages
Aviva Canada makes finding, paying for, and using insurance easier than most other companies in the industry. The company has an extensive social media presence, which includes answering client questions quickly. As a large insurer, Aviva Canada has the financial resources to give options to clients that smaller insurers cannot. For example, there is a disappearing deductible program for the company’s auto insurance offerings that is popular with clients all over the world. Other advantages of Aviva Canada insurance include:
Extensive Customer Support – Aviva Canada excels at many levels of customer support including a simplified claims process, operators available to answer questions 24-hours a day, and an extensive customer knowledge library that teaches customers the basics of insurance. Aviva Canada also uses its network of thousands of professional brokers as more points of contact and informational resources for clients all over the world.
Vast Financial Resources – The Aviva group of companies has 29 million customers in 16 countries around the world. That kind of success creates a huge pool of financial resources that can be used to innovate new products and offer coverage options that other companies simply cannot offer. A strong financial base allows Aviva Canada to customize solutions for clients and offer premiums that can fit any client’s budget.
Fighting Insurance Fraud – One of the reasons Aviva Canada is able to keep premiums low is its proactive battle against insurance fraud. Insurance fraud costs insurance companies around the world billions of dollars, and it is an obstacle in keeping premiums down. But Aviva Canada puts a tremendous amount of resources into identifying and prosecuting fraud, and that is an approach that saves every client money.
Aviva Canada’s Insurance Products
Aviva Canada is an expert in auto and property insurance because that is all the company does. With a laser-like focus on the insurance issues that directly affect every Aviva client, the company is able to develop strong services and effective coverage options.
Aviva Canada home insurance offers comprehensive property protection and a long list of coverage benefits that include disappearing deductibles. Coverage is offered for:
Aviva Canada is one of the larger commercial insurance providers in Canada, and it has been offering comprehensive business coverage to Ontario businesses for decades. From the liability coverage you need to protect your business from the kinds of challenges that could cause financial disaster to special protection for your industry, Aviva Canada has it all and can also provide coverage enhancements to get the insurance to fit your specific business needs.
Warehousing
Transportation and logistics
Manufacturing
Contractors
Wholesale distribution
Property protection for commercial managers and real estate owners
Professional services
Retail
Educational institutions
Charitable organizations
Hospitality
Automotive repair
Companies in the Aviva Canada Group
Aviva Insurance Company of Canada: Over 100 years in Canada, offering personal and business insurance products through a network of independent insurance brokers.
Elite Insurance Company: Canada’s largest insurer of leisure and lifestyle products.
Traders General Insurance Company: Provides group home and auto insurance coverage to large and mid-sized organizations throughout Canada.
Pilot Insurance Company: Insurance products and services for Ontario residents exclusively.
Scottish & York Insurance Co. Limited: Competitively priced home and auto coverage.
S&Y Insurance Company: Auto insurance for Newfoundland and Labrador residents exclusively.
Too early to tell. Haven’t had any issues or claims. Price was great though. Very friendly.
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50 NSF fee seems unethical
Mikeon 2020-10-07 17:46:38
Oh man... I have a bone to pick with Aviva Insurance Co. (purchased through RBC Insurance) as I feel they are ripping off possibly thousands of Canadians if my case isn't isolated. Here's what happened:
We got this letter in the mail a few days ago (image attached).
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 rep 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 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.
Any recommendations on home insurance providers I can switch to that have more ethical payment policies?
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Don Doyleon 2020-08-05 09:54:36
Good service when i had a motorcycle accident 5 years ago, they also have the best rates for insurance,
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vehicle replacement
Dorin Hankinon 2020-05-27 11:36:39
I recently replaced a vehicle on my policy. As I phoned in I expected a long drawn out experience. Happily I spoke with Judith Ralph who made everything so easy and professional and answered all my questions. Great experience
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Appalling customer service / terrible to deal with
Mikeon 2020-03-05 16:10:43
Horrible company to process a claim with STAY AWAY.... I wish I had checked ratings on these guys before doing business with them.
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No, don’t! Better to have no insurance.
MURIEL Buhron 2020-02-28 01:40:36
I didn’t listen to the reviews and that was a huge mistake. Should be zero stars. Think you’ll save money with AVIVA? You won’t. Customer service representative tells you one thing and approves you for a tow, then a year later AVIVA sends a bill saying they won’t cover it. But not to you. Nope, you’ll get your first inkling when you get a letter from a collection agency. Total rip-off company. DO. NOT. INSURE. WITH. AVIVA. PLEASE. Protect yourself from being abused. Better to have no insurance then AVIVA.
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STAY AWAY
Kaitlynon 2020-01-15 18:24:55
Was in a not at fault accident and had to send them the highway traffic act and dashcam video and was still called at fault until the other party's insurance saw the video and took full fault. The woman dealing with my case was so rude. When I had issues with how it was all being handled and the rental car I was told by their manager that "if I didn't like the rental car a bus pass could always be supplied." I have never had such a horrible experience with a company, let alone one I'm spending $4000+ at a year. When my year is up (which can't come fast enough) I'm getting away from this corrupted company forever!!
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dont buy insurance from this company
donon 2020-01-02 23:53:56
fire loss mid December still looking at the mess in my yard and no communication on when the process will start terrible company
Mitchell Whaleon 2020-05-20 16:05:49
Hi Don, we hope you got everything resolved with your claim. Sometimes there can be a good reason why your insurance company might not get back to you right away.
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Don't buy from Wawanesa Insurance. Very bad adjusters that will keep stalling till they starve you into accepting poor settlement. They may be cheaper till you have an accident, then make up for by ripping you off on settlements. .
Ed L. Hansenon 2019-10-24 17:05:57
I have had a couple ligetimen claims and there was no questions asked that were not reasonable . Repairs were done quickly and no repercussions.
They may not be the cheapest, but I did not have to haggle with an unreasonable adjuster. At no time did I even hear from an adjuster.
I would like to see lower prices on second vehicle especially when insurer is single and principle driver of both vehicle.
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Unprofessional and worst customer service
Bryan Oliveron 2019-09-27 16:05:49
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 their just late taking my payment out.
So on August 20th, I call to find out 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 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 to give them a change of address and give them my bank info. The agent informed me that my that my policy would be an extra 500$, which is ridiculous to begin with but I agreed. As far as I'm concerned thats a verbal contract. I get my new policy today and it's a 546$ 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. Fyi, 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 delt 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 call back. Monday was when my insurance was due. So I ended up paying the 50$ fee.
Waited all week for a call back. 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 year. 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.
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melon 2019-08-19 17:17:47
after being a member for 15 years the renewal process was impossible. I went else where.
Worst garbage company .believe me u will never get ur claim when needed.
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Terrible Company
Bon 2019-04-11 14:25:57
Extremely disappointed with the service level in relation to our 100% not-at-fault claim. Have been with Aviva for years. We were lied to, mislead, low-balled and generally mistreated when we needed assistance the most. Stay clear of this company.
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STAY AWAY
Allisonon 2019-04-09 21:26:35
Absolute garbage company. Got my notification in the mail for my renewal. Come to find out they INCREASED my premiums for home and auto insurance. After 6 years with them, this is how they treat my husband and I. He had 1 MINOR traffic ticket and they tried to blame it on that. Normal insurance companies DECREASE your rates over time. Not RBC Aviva... Not a chance. The representative then informs me that they applied to whomever to be able to INCREASE everyone's premiums.. they increased it alright.. They got approved to increase their premiums by 20%!! This is absolutely absurd. My car insurance increased by almost $100 and my tenant insurance increased by $20! Unreal. It's almost criminal how they're allowed to get away with this. Ever since they partnered up with Aviva everything has gone to crap. Stay away from them. Save your money and go elsewhere.
Mitchell Whaleon 2020-05-21 11:26:50
So sorry that you had this negative experience, Allison. Rates do generally go down over time if you are a good driver, but only to a point. And yes, sometimes insurers do raise their rates for all their customers, but the government wouldn't allow it if the company's claims costs don't warrant it.
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Disrespectful
Matton 2019-03-11 12:00:34
I had been a loyal customer for over 15 years. They informed me this year that in order to be renewed by them I would have to re submit an application and if my application was approved they would no longer take monthly payments (I have never missed a payment in 15 years) and I would have to pay my premium up front. So I went out and got some quotes from other insurance companies and they were all substantially lower than the premium I was paying at Aviva. I feel ripped off and disrespected by Aviva so never again will I go to them for my insurance needs.
Mitchell & Whale Teamon 2019-03-13 13:03:03
Hey Matt,
I understand your frustration. After 15 years you would like to think there would be a better way to deal with an issue. Without being familiar with your file we can only guess as to what happened or why they would ask for a paper application.
My guess is it had nothing to do with your file in particular; instead, a rather large insurance company looking to change part of its book in hope for profitability with limited ways to do that in this regulated market. It's possible the regulator, FSCO, wouldn't let them get the rate they wanted, so they took to what means they had, and unfortunately that meant asking 15 year old clients for new paper applications.
Sorry you went through it, and glad you were able to find some savings in the end. Please do let us know if we could ever help.
Hi Don, we hope you got everything resolved with your claim. Sometimes there can be a good reason why your insurance company might not get back to you right away.