RBC Insurance Canada 2026: Aviva Underwritten Review
Updated Oct 1, 2026 | Sources: RBC Insurance, Aviva Canada
RBC Insurance is underwritten by Aviva Canada, targeting RBC banking clients. Average Ontario rate: $168/month ($2,016/year) – ranking 5th of 6 in our Ontario 2026 test. Only worth considering if you’re an RBC client.
RBC Insurance Rates 2026
| Profile | RBC Rate | With RBC Discount | vs PC |
|---|---|---|---|
| Toronto clean | $168 | $151 (10% off) | +$9 |
| Ottawa clean | $142 | $128 | +$10 |
| With home bundle | $143 | $129 | -$13 (wins) |
RBC Client Discount: 10% Off
Must have RBC chequing account + direct deposit or RBC credit card. Discount applies automatically. Without it, RBC is overpriced vs TD $152, PC $142, Intact $161.
RBC vs Competitors
vs TD: TD $16/month cheaper, better app. RBC only wins if you’re loyal RBC client wanting one bill.
vs Intact: Intact $7/month cheaper, better claims (14 vs 22 days).
vs PC: PC $26/month cheaper – no contest unless you need RBC bundle.
Should You Choose RBC?
YES if: You’re RBC client with home insurance to bundle (then $129 beats PC $142).
NO if: You’re not RBC client – choose PC or TD instead.
J.D. Power: 3.8/5 (average). FSRA complaints: 1.4 per 1,000 (above average).