Aviva Insurance Cancellation Fee Guide 2025
Aviva Canada is one of the country's largest property and casualty insurance groups, serving over 3 million customers. As part of the global Aviva plc, they bring international expertise to the Canadian market while maintaining strong local service.
About Aviva Canada
Aviva Canada operates primarily through a broker distribution model, meaning you'll work with an independent insurance broker rather than directly with Aviva. This can be advantageous when cancelling, as your broker can shop around for better rates while handling the cancellation paperwork.
With roots dating back to 1835 (through predecessor companies), Aviva has deep experience in the Canadian insurance market. They're known for comprehensive coverage options and competitive group rates through employers and associations.
How to Cancel Aviva Insurance
- 1.Contact your insurance broker first
- 2.Or call Aviva at 1-866-692-8482
- 3.Request a cancellation quote
- 4.Provide written confirmation
- 5.Return pink slip if requested
Aviva Refund Timeline
- Processing: 10-14 business days
- Broker handles paperwork
- Refund via original payment method
- Cheque if paid in full upfront
Aviva Cancellation Tips
- • Use your broker: They can negotiate on your behalf and find replacement coverage
- • Group policy holders: If you have Aviva through an employer, check if group terms offer better cancellation rates
- • Pro-rata situations: Ask about pro-rata refunds if selling your home or vehicle
Aviva InsuranceShort Rate Table
Official short rate cancellation table for Aviva Insurance insurance policies in Canada
Calculate Your Refund
Aviva Insurance Short Rate Schedule
Showing refund calculations based on $1200 annual premium
| Days in Force | Premium Earned % | Amount Earned | Refund Amount | vs Pro Rata |
|---|---|---|---|---|
| 1-3 days | 8% | $96.00 | $1,104.00 | -$89.42 (7.5%) |
| 4-7 days | 9% | $108.00 | $1,092.00 | -$89.92 (7.5%) |
| 8-11 days | 10% | $120.00 | $1,080.00 | -$88.77 (7.4%) |
| 12-15 days | 11% | $132.00 | $1,068.00 | -$87.62 (7.3%) |
| 16-19 days | 12% | $144.00 | $1,056.00 | -$86.47 (7.2%) |
| 20-23 days | 13% | $156.00 | $1,044.00 | -$85.32 (7.1%) |
| 24-26 days | 14% | $168.00 | $1,032.00 | -$85.81 (7.2%) |
| 27-30 days | 15% | $180.00 | $1,020.00 | -$86.30 (7.2%) |
| 31-34 days | 16% | $192.00 | $1,008.00 | -$85.15 (7.1%) |
| 35-38 days | 17% | $204.00 | $996.00 | -$84.00 (7.0%) |
| 39-42 days | 18% | $216.00 | $984.00 | -$82.85 (6.9%) |
| 43-46 days | 19% | $228.00 | $972.00 | -$81.70 (6.8%) |
| 47-49 days | 20% | $240.00 | $960.00 | -$82.19 (6.8%) |
| 50-53 days | 21% | $252.00 | $948.00 | -$82.68 (6.9%) |
| 54-57 days | 22% | $264.00 | $936.00 | -$81.53 (6.8%) |
| 58-61 days | 23% | $276.00 | $924.00 | -$80.38 (6.7%) |
| 62-65 days | 24% | $288.00 | $912.00 | -$79.23 (6.6%) |
| 66-69 days | 25% | $300.00 | $900.00 | -$78.08 (6.5%) |
| 70-73 days | 26% | $312.00 | $888.00 | -$76.93 (6.4%) |
| 74-76 days | 27% | $324.00 | $876.00 | -$77.42 (6.5%) |
| 77-80 days | 28% | $336.00 | $864.00 | -$77.92 (6.5%) |
| 81-84 days | 29% | $348.00 | $852.00 | -$76.77 (6.4%) |
| 85-88 days | 30% | $360.00 | $840.00 | -$75.62 (6.3%) |
| 89-92 days | 31% | $372.00 | $828.00 | -$74.47 (6.2%) |
| 93-96 days | 32% | $384.00 | $816.00 | -$73.32 (6.1%) |
| 97-99 days | 33% | $396.00 | $804.00 | -$73.81 (6.2%) |
| 100-103 days | 34% | $408.00 | $792.00 | -$74.30 (6.2%) |
| 104-107 days | 35% | $420.00 | $780.00 | -$73.15 (6.1%) |
| 108-111 days | 36% | $432.00 | $768.00 | -$72.00 (6.0%) |
| 112-115 days | 37% | $444.00 | $756.00 | -$70.85 (5.9%) |
| 116-119 days | 38% | $456.00 | $744.00 | -$69.70 (5.8%) |
| 120-122 days | 39% | $468.00 | $732.00 | -$70.19 (5.8%) |
| 123-126 days | 40% | $480.00 | $720.00 | -$70.68 (5.9%) |
| 127-130 days | 41% | $492.00 | $708.00 | -$69.53 (5.8%) |
| 131-134 days | 42% | $504.00 | $696.00 | -$68.38 (5.7%) |
| 135-138 days | 43% | $516.00 | $684.00 | -$67.23 (5.6%) |
| 139-142 days | 44% | $528.00 | $672.00 | -$66.08 (5.5%) |
| 143-146 days | 45% | $540.00 | $660.00 | -$64.93 (5.4%) |
| 147-149 days | 46% | $552.00 | $648.00 | -$65.42 (5.5%) |
| 150-153 days | 47% | $564.00 | $636.00 | -$65.92 (5.5%) |
| 154-157 days | 48% | $576.00 | $624.00 | -$64.77 (5.4%) |
| 158-161 days | 49% | $588.00 | $612.00 | -$63.62 (5.3%) |
| 162-165 days | 50% | $600.00 | $600.00 | -$62.47 (5.2%) |
| 166-169 days | 51% | $612.00 | $588.00 | -$61.32 (5.1%) |
| 170-172 days | 52% | $624.00 | $576.00 | -$61.81 (5.2%) |
| 173-176 days | 53% | $636.00 | $564.00 | -$62.30 (5.2%) |
| 177-180 days | 54% | $648.00 | $552.00 | -$61.15 (5.1%) |
| 181-184 days | 55% | $660.00 | $540.00 | -$60.00 (5.0%) |
| 185-188 days | 56% | $672.00 | $528.00 | -$58.85 (4.9%) |
| 189-192 days | 57% | $684.00 | $516.00 | -$57.70 (4.8%) |
| 193-195 days | 58% | $696.00 | $504.00 | -$58.19 (4.8%) |
| 196-199 days | 59% | $708.00 | $492.00 | -$58.68 (4.9%) |
| 200-203 days | 60% | $720.00 | $480.00 | -$57.53 (4.8%) |
| 204-207 days | 61% | $732.00 | $468.00 | -$56.38 (4.7%) |
| 208-211 days | 62% | $744.00 | $456.00 | -$55.23 (4.6%) |
| 212-215 days | 63% | $756.00 | $444.00 | -$54.08 (4.5%) |
| 216-219 days | 64% | $768.00 | $432.00 | -$52.93 (4.4%) |
| 220-222 days | 65% | $780.00 | $420.00 | -$53.42 (4.5%) |
| 223-226 days | 66% | $792.00 | $408.00 | -$53.92 (4.5%) |
| 227-230 days | 67% | $804.00 | $396.00 | -$52.77 (4.4%) |
| 231-234 days | 68% | $816.00 | $384.00 | -$51.62 (4.3%) |
| 235-238 days | 69% | $828.00 | $372.00 | -$50.47 (4.2%) |
| 239-242 days | 70% | $840.00 | $360.00 | -$49.32 (4.1%) |
| 243-245 days | 71% | $852.00 | $348.00 | -$49.81 (4.2%) |
| 246-249 days | 72% | $864.00 | $336.00 | -$50.30 (4.2%) |
| 250-253 days | 73% | $876.00 | $324.00 | -$49.15 (4.1%) |
| 254-257 days | 74% | $888.00 | $312.00 | -$48.00 (4.0%) |
| 258-261 days | 75% | $900.00 | $300.00 | -$46.85 (3.9%) |
| 262-265 days | 76% | $912.00 | $288.00 | -$45.70 (3.8%) |
| 266-268 days | 77% | $924.00 | $276.00 | -$46.19 (3.8%) |
| 269-272 days | 78% | $936.00 | $264.00 | -$46.68 (3.9%) |
| 273-276 days | 79% | $948.00 | $252.00 | -$45.53 (3.8%) |
| 277-280 days | 80% | $960.00 | $240.00 | -$44.38 (3.7%) |
| 281-284 days | 81% | $972.00 | $228.00 | -$43.23 (3.6%) |
| 285-288 days | 82% | $984.00 | $216.00 | -$42.08 (3.5%) |
| 289-292 days | 83% | $996.00 | $204.00 | -$40.93 (3.4%) |
| 293-296 days | 84% | $1,008.00 | $192.00 | -$39.78 (3.3%) |
| 297-299 days | 85% | $1,020.00 | $180.00 | -$40.27 (3.4%) |
| 300-303 days | 86% | $1,032.00 | $168.00 | -$40.77 (3.4%) |
| 304-307 days | 87% | $1,044.00 | $156.00 | -$39.62 (3.3%) |
| 308-311 days | 88% | $1,056.00 | $144.00 | -$38.47 (3.2%) |
| 312-315 days | 89% | $1,068.00 | $132.00 | -$37.32 (3.1%) |
| 316-318 days | 90% | $1,080.00 | $120.00 | -$37.81 (3.2%) |
| 319-322 days | 91% | $1,092.00 | $108.00 | -$38.30 (3.2%) |
| 323-326 days | 92% | $1,104.00 | $96.00 | -$37.15 (3.1%) |
| 327-330 days | 93% | $1,116.00 | $84.00 | -$36.00 (3.0%) |
| 331-334 days | 94% | $1,128.00 | $72.00 | -$34.85 (2.9%) |
| 335-338 days | 95% | $1,140.00 | $60.00 | -$33.70 (2.8%) |
| 339-341 days | 96% | $1,152.00 | $48.00 | -$34.19 (2.8%) |
| 342-345 days | 97% | $1,164.00 | $36.00 | -$34.68 (2.9%) |
| 346-349 days | 98% | $1,176.00 | $24.00 | -$33.53 (2.8%) |
| 350-353 days | 99% | $1,188.00 | $12.00 | -$32.38 (2.7%) |
| 354-365 days | 100% | $1,200.00 | $0.00 | -$18.08 (1.5%) |
About Aviva Insurance Cancellations
- • Minimum premium retained: varies by policy
- • Processing time: 2-4 weeks for refund
- • Method: Cheque or original payment method
- • Required: Written cancellation request
Pro Rata Exceptions
Aviva Insurance may offer pro-rata (no penalty) cancellation for:
- • Switching to another Aviva Insurance policy
- • Vehicle sold with proof of sale
- • Moving out of coverage area
- • Total loss claims
Ready to Calculate Your Exact Aviva Insurance Refund?
Use our calculator with your specific policy dates for an accurate refund estimate
Understanding Aviva Insurance Short Rate Cancellations
When you cancel your Aviva Insurance insurance policy before its expiration date, the company uses this short rate table to calculate your refund. The short rate method ensures Aviva Insurance retains enough premium to cover administrative costs and the risk they assumed while your policy was active.
How to Read This Table
Find the number of days your policy was active in the first column. The "Premium Earned %" shows how much of your annual premium Aviva Insurance keeps. The remaining percentage is your refund, minus any outstanding amounts.
Tips for Cancelling Aviva Insurance Insurance
- Time it right: The penalty percentage increases significantly in the first few months. If possible, wait until closer to renewal.
- Ask about exceptions: Aviva Insurance may waive penalties for certain situations like financial hardship or if you are switching to another Aviva Insurance product.
- Get it in writing: Always request written confirmation of your cancellation date and refund amount.
Working With Your Broker for Cancellation
Unlike direct insurers like TD, Aviva works through independent brokers. This can actually work in your favor when cancelling—your broker has relationships with multiple insurers and can help you find replacement coverage, sometimes at better rates. They can also ensure your cancellation is processed correctly and advocate on your behalf if there are any disputes about the refund amount.
If you don't have a broker relationship or can't reach your original broker, you can contact Aviva's customer service directly. However, the process may take longer without broker involvement.
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