Aviva InsuranceCancellation Fee Guide
Official short rate table and cancellation fee calculator for Aviva Canada Insurance policies
Quick estimate
Auto scheduleRefund $828
Aviva Insurance Company of Canada traces its Canadian origins to 1835, when the Canada Accident Assurance Company was incorporated; the company took its current name on May 5, 2003, when CGU Insurance Company of Canada was renamed. It is a wholly owned subsidiary of Aviva plc of London, England. Aviva Canada reported 2.5 million customers as of March 2026, and its parent reported Canadian general insurance premiums of £4,358 million for 2025. Its head office is in Markham, Ontario. Aviva sells home and auto insurance mainly through independent brokers, with owned-agency and direct channels as well. On January 1, 2026 the Elite, Traders General and Pilot insurance companies were amalgamated into Aviva Insurance Company of Canada, so policy documents that formerly showed those names now show Aviva Insurance Company of Canada.
For early cancellations Aviva applies the standard industry short rate table: 8% of the annual premium is retained for a cancellation in the first three days, rising to 100% at day 354. There is no flat cancellation fee; Aviva keeps an “earned” percentage of your premium that rises with time and refunds the rest.
How Aviva calculates your cancellation fee
The standard table keeps 8% of your premium for a cancellation in the first three days and reaches 100% at day 354. Find the row matching your days in force, take the “earned” percentage, and subtract it from your annual premium.
On a $1,200 policy cancelled after 60 days, Aviva keeps about 23% ($276), leaving a $924 refund — roughly $79 less than a pro rata refund of about $1,003. That gap is the short rate penalty: at day 60 the table retains 23% of the premium while 16.4% of the policy year has elapsed, a difference of 6.6 points.
How to cancel your Aviva policy
Aviva sells through independent brokers, so the cancellation request is submitted through the broker who holds your policy; Aviva’s service line is 1-866-692-8482. Ask for a cancellation quote and confirm the effective date before you agree, so that a replacement policy can start on the same date.
- 1Submit the request through the broker who holds your policy
- 2Or call Aviva at 1-866-692-8482
- 3Request a cancellation quote
- 4Provide written confirmation
- 5Return pink slip if requested
Refund timing is not fixed. Ask whoever processes the cancellation, the broker of record or Aviva, when Aviva expects to release the money and whether it comes back as a cheque or to the payment method you used.
Aviva Insurance Short Rate Summary
Refund at key cancellation points, based on a $1200 annual premium
| Days in Force | Earned % | Refund |
|---|---|---|
| 14 days | 11% | $1,068 |
| 30 days | 15% | $1,020 |
| 60 days | 23% | $924 |
| 90 days | 31% | $828 |
| 120 days | 39% | $732 |
| 180 days | 54% | $552 |
| 270 days | 78% | $264 |
| 330 days | 93% | $84 |
How Aviva compares
Aviva's percentages are identical to the standard industry table on every day of the term: 15% retained at day 30, 31% at day 90, 54% at day 180 and 86% at day 300, against 8.2%, 24.7%, 49.3% and 82.2% under a pro rata split. At day 90 the insurers that use their own schedules retain more: Intact 34%, TD and Desjardins 36%. The full schedule is on our short rate table.
Some cancellations are refunded pro rata with no short rate penalty, for example when the insurer rather than the policyholder cancels the policy. Whether your reason qualifies is set by Aviva's rules, so ask when you request the quote.
Before you cancel
- The gap narrows over the term — the difference between short rate and pro rata is 6.8 points of the annual premium at day 30, 4.7 points at day 180 and 3.8 points at day 300.
- Group policies — a policy issued under an employer or association group program may carry its own cancellation terms; the policy wording states which apply.
- Underwriting company name — since January 1, 2026 policies formerly issued by Elite, Traders General or Pilot are issued by Aviva Insurance Company of Canada; the cancellation request goes to Aviva whatever name older documents show.
Frequently Asked Questions
How much is the Aviva Insurance cancellation fee?
Aviva does not charge a flat fee — the cost is built into a short rate refund. On a $1,200 annual policy cancelled after 60 days, Aviva keeps about 23% ($276) and refunds $924. A pro rata refund would return roughly $1,003, so the short rate penalty in this example is about $79.
Which company underwrites Aviva policies in Canada?
Aviva Insurance Company of Canada, a wholly owned subsidiary of Aviva plc of London, England. On January 1, 2026 the Elite, Traders General and Pilot insurance companies were amalgamated into it, so policy documents that once showed those names now show Aviva Insurance Company of Canada; Aviva states that coverage, products and claims processes did not change.
How do I cancel my Aviva Insurance policy?
Aviva sells through independent brokers, so the cancellation request is submitted through the broker who holds your policy; Aviva can also be reached at 1-866-692-8482. Ask for a cancellation quote, confirm the effective date in writing, and return your pink slip if requested.
Can I get a penalty-free pro rata refund from Aviva?
Some cancellations are refunded pro rata with no short rate penalty, for example when the insurer rather than the policyholder cancels the policy. The list of qualifying reasons is Aviva’s own, so ask which basis applies when you request the quote.
How long does an Aviva refund take?
It depends on how you paid: a refund against a pre-authorized payment plan follows your billing schedule, and if you paid in full up front the refund is usually issued by cheque, which has to be mailed. Aviva does not publish a turnaround, so ask whoever processes the cancellation for an expected date.
Sources & Verification
- ·Verified against Aviva's Ontario auto underwriting rules in effect July 2026.
- ·Aviva Canada service line (1-866-692-8482) and broker channel for current cancellation procedures.
- ·Company facts (heritage, ownership, customer count, premiums, the January 2026 amalgamation) from aviva.ca and Aviva plc’s full-year 2025 results; see docs/carrier-facts.md in the site repository for the full ledger.
- ·Reviewed by the CostExpert editorial team. Figures are estimates — confirm your exact refund with Aviva or your broker before cancelling.
Reviewed by CostExpert Editorial Team · Last verified September 2026
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