Aviva Canada

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.

Aviva Canada Group
Founded2008
HeadquartersMarkham, Ontario
Employees~ 4,000 (2016)
Canadian Mkt. Share*10.84% (2017)
Insurance ProductsHome, Auto, Specialty and Business Insurance
Provinces LicensedAB, BC, MB, NB, NL, NWT, NS, NU, ON, PEI, QC, SK, YT
ParentAviva plc.
* Of all private P&C in Canada by net premiums written, excluding life and purely A&S companies.

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Aviva Canada Insurance Quotes

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.

Auto Insurance

Aviva has developed some of the most comprehensive auto insurance policy options in the industry. When you buy Aviva auto insurance, you enjoy:

  • Roadside assistance 24-hours a day, seven days a week
  • Discounts for bundling your auto coverage with other Aviva insurance
  • A discount of 15 percent if your vehicle has an Automatic Emergency Brake system
  • A discount of 20 percent when you insure multiple vehicles
  • The chance to have your deductible dropped to $0 after five years of accident-free driving
  • The chance to get a 15 percent discount if you avoid driving convictions for three straight years

Aviva auto insurance also offers additional coverage options such as:

  • Collision protection
  • Temporary vehicle replacement
  • Comprehensive liability coverage for theft, vandalism, and other events

Aviva Auto Insurance Rate Changes, 2010 – Present (What’s this?)

Aviva Rate Changes vs. Avg Rate Changes For Ontario Market

Home Insurance

Aviva Canada home insurance offers comprehensive property protection and a long list of coverage benefits that include disappearing deductibles. Coverage is offered for:

  • Home insurance
  • Condo insurance
  • Tenant insurance for property renters

Business Insurance

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.
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Aviva Canada Insurance Quotes

Contact one of our brokers for a quote from Aviva Canada on auto, home, or business insurance: Speak with a broker today: 1-800-731-2228

Aviva Canada Contact Info

Aviva Canada
Head Office:
10 Aviva Way Suite 100, Markham, Ontario L6G 0G1, Canada
Claims: 1-800-387-4518

Aviva Canada Insurance Reviews

Rated 1 stars
1 / 5 (14)

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Bryan Oliver
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Unprofessional and worst customer service

on 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.



mel
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on 2019-08-19 17:17:47

after being a member for 15 years the renewal process was impossible. I went else where.



Rock
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Worst company

on 2019-04-14 20:01:07

Worst garbage company .believe me u will never get ur claim when needed.



B
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Terrible Company

on 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.



Allison
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STAY AWAY

on 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.



Matt
Rating: 1
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Disrespectful

on 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 Team
on 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.



Frank
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Aviva a horror story

on 2019-03-05 15:34:52

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.



Stanley Seecoomar
Rating: 1
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Aviva Cheaters

on 2019-02-22 18:12:07

This is a RIP off the way these people do business.
Terrible encounter after taking my money then cheated me.



GMAN
Rating: 0.5
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FRAUDULENT F***S!!!!!!!!!!!

on 2018-12-07 17:47:15

FIND INSURANCE ELSEWHERE!! AVIVA ARE NOTHING BUT PIECES OF S***!!! MY STUPID BROKER SAID THEY WERE BEST FOR TRAILER INSURANCE!! tHATS A BIG NOOOOOOO!!! RUN AND GO ELSEWHERE!! THEY DO NOTHING BUT TAKE YOUR MONEY AND WHEN YOU NEED THEM THEY TAKE MONTHS ON A CLAIM AND THEN DENY YOU!!!

Mitchell & Whale Team
on 2018-12-12 11:14:38

This is too bad to hear about. Sounds like your broker either got you into the wrong product or there might have been some other miscommunication. The only way to deny someone is with an exclusion in the policy, or if the claim is for something other than what is covered. This makes me curious what the details were.



Frank Emili
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DO NOT BUY INSURANCE FROM AVIVA

on 2018-09-19 11:50:42

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.

Mitchell & Whale Team
on 2018-12-12 17:49:39

This is really too bad to hear this situation. I would love to hear their side as to what had them take such a hard line on this case.



Craig
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The worst stay away

on 2018-09-17 15:33:18

First off they hate motorcycles!

The woman literally is telling me what bike I should be riding ?

I had a dual sport insured with them for a year with no claims no changes to my address or my license etc. and then the next year I had to reapply and they want double now ?

They won’t even insure my super sport at all?

I’m 54 with perfect driving record and get this I’ve been insured with these guys for 30 years !!!

Serious crappy management and what always happens when a company is bought out it turns to total **** !

When are insurance company is going to start facing their premiums on an individual not a number ?

Just because some jerk off rides down the 400 on super sport raising hell doesn’t mean that I’m going to?

I have a car or van house and a boat all insured with these guys ....and that’s gonna change ...Statefarm is way way better !!

Mitchell & Whale Team
on 2018-12-12 17:53:45

Interesting, we write a lot of motorcycles, and it is true Aviva is having trouble with that program and revamping it. Sorry to hear you had to go to State Farm (now owned by Desjardins) to get bike coverage.

Telematics, a device that measures how fast you drive, brake corners, and generally use your car has emerged in the auto insurance world. I wonder if it will ever be an option for motorcycles. Would bike riders accept big brother watching in exchange for better rates when appropriate?



William
Rating: 1.5
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Bunch of d***s

on 2018-08-29 09:29:05

Been with them for years. Got a letter saying that they won't renew me unless I do a new application and send it back to them. No claims or tickets. I don't understand. Never had a company ask me to re-apply.

Mitchell & Whale Team
on 2018-12-12 18:04:05

Ya this is a very current event. Aviva is trying to find ways within the rules of Ontario to get rid of certain amount and types of business, as the rate approval process is too slow and politically driven. Nothing personal in this case; you just fell into a certain category that got the shuffle. I know this is not necessarily what you want to hear about how insurance operates; it does suck. Hopefully your broker found you another great option with a stable company looking to grow in ontario?



Jpage
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Dishonest and unethical

on 2018-06-20 20:37:45

It's been over a year since the fire, my parents have been without a home and work has not been started yet. The preferred vendor gave up after chasing them for payment to begin work. Now I'm told I have to look for another contractor to provide a quote and start the process all over again. Meanwhile, my parents are on the verge of losing their home because they haven't received any compensation. What is the point of insurance if this is how they treat people when they need it. This can't be legal.

Mitchell & Whale Team
on 2018-12-12 22:39:48

Very sorry to hear about this. Have you found another insurance contractor? Have you leaned on your broker for help in dealing with Aviva claims?



Bobby Andrews
Rating: 4
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on 2017-09-27 01:23:10

Save a bunch of dough on my tenants insurance. Stoked!



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