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I hereby notify you of my decision to terminate the contract relating to the Aviva service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation Aviva: Easy Method
What is Aviva
Aviva is a large insurance company that offers personal and commercial products across Canada including auto, home and life insurance. It operates through brokers and agents and provides both traditional policies and usage-based programs such as Aviva Journey (a telematics app for auto insurance).
How to cancel Aviva
- Contact your broker/agent or Aviva representative by phone and state you want to cancel; provide your policy number and the desired effective cancellation date.
- If you prefer written notice, send a signed cancellation letter that includes your name, policy number, and requested effective date - mail or fax to your broker or local Aviva office. For important notices, consider registered mail with a return receipt.
- You can also visit a local Aviva office in person to hand in a cancellation request and obtain immediate written confirmation.
- For Aviva Journey (usage-based) participation, notify your broker/agent that you wish to opt out; unenrolment stops data collection once Aviva processes the request.
- Always request written confirmation of cancellation and any refund or short-rate calculation you will receive.
What happens when you cancel
When you cancel an Aviva policy, your coverage ends on the effective date you specified. Aviva will process the cancellation and calculate any refund or outstanding premium using the policy’s termination rules; for many Aviva policies this follows a short‑rate schedule rather than a simple pro‑rata. Access to policy services (claims, online accounts tied to that policy) will end once the policy terminates. If you were enrolled in a usage-based program, data collection for discounts stops when Aviva processes your unenrolment, though any premium adjustments tied to the program may only appear at renewal.
Will I get a refund?
Refunds are determined by your policy terms and provincial regulation. Aviva commonly applies a short‑rate cancellation schedule: this reduces the refund compared with a straight pro‑rata amount and the penalty depends on how long the policy was in effect. There is no general, statutory 14‑day “cooling‑off” refund for insurance policies in Canada unless a specific program or provincial rule provides one. For usage‑based discounts, there may be no immediate refund tied to unenrolment; instead, premium adjustments (refund or additional charge) often occur at the next renewal.
Aviva plans and pricing
| Plan | Price | Period | Features |
|---|---|---|---|
| Essential (auto insurance, standard driver 35 - 45) | C$83.00/month | Monthly | Auto insurance Essential plan for standard driver |
| Standard (auto, standard driver 35 - 45) | C$97.00/month | Monthly | Auto insurance Standard plan for standard driver |
| Comprehensive (auto, standard driver 35 - 45) | C$115.00/month | Monthly | Auto insurance Comprehensive plan for standard driver |
| Aviva Journey (usage-based auto insurance, Ontario average) | C$189.00/month | Monthly | Average OBI (Ontario) with Aviva Journey usage-based insurance |
| Life insurance (30-year-old, healthy, non-smoker, $500k) | C$28.00/month | Monthly | Term life insurance, non-smoker, age 30, $500,000 coverage |
| Life insurance (40-year-old, healthy, non-smoker, $500k) | C$43.00/month | Monthly | Term life insurance, non-smoker, age 40, $500,000 coverage |
| Life insurance (50-year-old, healthy, non-smoker, $500k) | C$75.00/month | Monthly | Term life insurance, non-smoker, age 50, $500,000 coverage |
These pricing examples are illustrative and based on standard driver profiles in Ontario or sample life‑insurance profiles; your actual premium will vary by location, driving record, vehicle, age, health, and other underwriting factors.
Your consumer rights in Canada
Insurance in Canada is regulated provincially and the terms for cancellation and refunds are set by your policy and provincial insurance rules. You typically do not have a universal 14‑day cooling‑off right for insurance unless specified by a particular policy or province. If you disagree with Aviva’s handling of your cancellation, refund or claim, you can escalate internally (e.g., Aviva’s Office of the Complaint Examiner) and pursue external dispute resolution such as the General Insurance OmbudService (GIO). The Financial Consumer Agency of Canada (FCAC) provides oversight of federally regulated entities and consumer guidance; for provincially regulated matters, your provincial regulator can advise on legal protections and complaint pathways.
Customer experiences
Customer feedback about Aviva in Canada is mixed. Many customers report positive interactions with helpful agents, competitive pricing and knowledgeable broker support; aggregators like WalletHub show strong overall ratings from many users. At the same time, reviews and complaint registries note issues including long hold times, claim disputes or denials, delayed refunds or renewals, and problems with telematics tracking that have caused loss of discounts for some users. These mixed experiences suggest it is important to get clear, written confirmation of cancellations and refund calculations upfront.
Documentation checklist
- Policy number, full name and contact details
- Signed cancellation letter stating the desired effective cancellation date
- Proof of identity (e.g., driver’s licence) and any vehicle information (VIN) for auto policies
- Proofs of payment or receipts for current premium period
- Broker/agent contact details and any enrolment/unenrolment confirmation for usage‑based programs (Aviva Journey)
- Record of delivery (registered mail receipt) or written confirmation from Aviva
Common mistakes
Common errors include failing to state a clear effective cancellation date (which delays processing or causes unintended coverage gaps), assuming you will receive a full pro‑rata refund (many Aviva policies use a short‑rate penalty), not obtaining written confirmation of the cancellation, and assuming unenrolment from a telematics program immediately changes your premium. Another frequent mistake is sending notice to the wrong contact (e.g., corporate head office rather than your broker), so confirm the correct mailing or fax address before sending.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Call your representative / broker | Short‑rate refund (less than pro‑rata); amount depends on time on risk | Low |
| Mail or fax a signed cancellation letter | Short‑rate refund; confirm calculation in writing | Medium |
| Visit a local Aviva office in person | Short‑rate refund; immediate written acknowledgement often available | Low |
| Cancel Aviva Journey (broker-assisted unenrolment) | No immediate refund for discounts; premium adjustments typically made at renewal | Medium |
After cancelling
Keep the written cancellation confirmation and any calculation of refund or short‑rate penalty. Verify your insurance status before driving or using insured property to avoid gaps. If you have a complaint about how Aviva handled the cancellation or refund, start with Aviva’s internal complaint process and, if unresolved, contact the General Insurance OmbudService or your provincial insurance regulator. For usage‑based programs, confirm that data collection has stopped and check your next renewal for any premium changes.
Helpful links: Aviva - what happens if you cancel car insurance, Aviva Journey terms, Aviva - customer concerns and complaints, General Insurance OmbudService (GIO), Financial Consumer Agency of Canada (FCAC).
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