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Meet RBC Insurance

Founded in 1864 in Halifax, N.S., The Royal Bank of Canada (RBC) pre-dates Confederation. In 2016, it was Canada’s second-largest corporation by revenue, bringing in an estimated $42-billion. The bank has headquarters in Toronto and Montreal.

Auto insurance from RBC is available in all provinces and territories except British Columbia, Manitoba and Saskatchewan. Its products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company.

RBC has a sizeable footprint in the Canadian auto insurance market, though it’s dwarfed by its health and life insurance products.

ProvinceUser satisfaction rating
Alberta 
Atlantic 
Ontario         
Quebec 
Table displaying RBC Insurance’s ratings for the claims process and overall user satisfaction, courtesy of J.D. Power and Associates.

The RBC Advantage

Discounts

Bundling your home and life insurance with your auto insurance could net you a discount. Getting a quote from RBC online could also qualify you for a 5% discount. Other ways to earn a discount with RBC include:

  • Insuring multiple vehicles with RBC.
  • Having no claims history.
  • Being a retiree.
  • Installing an RBC-approved anti-theft alarm system in your vehicle.
  • Installing winter tires on your car.

RBC employees receive significant discounts — up to 25% on car insurance and 10% on home insurance — and could qualify for more depending on eligibility.

Special programs

Unlike many of its car insurance competitors, RBC does not offer usage-based auto insurance, or any other optional programs that make it stand out on the innovation front. However, policyholders can still customize their policies by purchasing optional add-ons:

Family protection endorsement - If you or a member of your immediate family is injured or killed by an uninsured, underinsured, or unidentified at-fault driver, the benefit you receive will be significant — up to the limits of your financial coverage, according to the company.

Waiver of depreciation endorsement - If your new car is lost or damaged within the first two years, RBC will give you a benefit based on the sales price and won’t factor in depreciation.

Forgiveness for first at-fault accident - Your premium won’t increase after your first accident with this rider.

Is there an app?

RBC does not currently offer an app for car insurance.

How to submit a claim with RBC

The best way to submit a claim with RBC Insurance is to call the toll-free line, where you’ll be connected with a claims advisor.

  • Phone

    To submit a claim by phone: 1-800-769-2526 #722 from a Bell or Rogers cellphone

  • Clock

    Hours of availability: Assistance is available 24 hours a day, seven days a week, all year-round.

What else does RBC do?

RBC offers a variety of insurance products that you can bundle with an auto insurance policy including:

  • Life insurance
  • Health insurance
  • Travel insurance
  • Loan, mortgage and credit card protection
  • Insurance products for retirees, such as annuities and RRIFs

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