Aviva InsuranceCancellation Fee Guide
Official short rate table and cancellation fee calculator for Aviva Canada Insurance policies
Aviva Canada is one of the country's largest property and casualty insurers, serving more than three million customers. Aviva distributes almost entirely through independent brokers, so your broker — not Aviva directly — is usually your first point of contact for a cancellation, though Aviva's service line can help if you have lost touch with your broker.
For early cancellations Aviva uses the standard industry short rate tableshared by several Canadian insurers. There is no flat cancellation fee; instead 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 climbs to 100% within about ten days of renewal. 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 pure pro rata refund of about $1,003. That gap is the short rate penalty, and on this table it rarely exceeds about 8% of your annual premium.
How to cancel your Aviva policy
Aviva is a broker-distributed insurer, so the smoothest route is through the broker who set up your policy. They can request the cancellation, quote your refund, and help you avoid a coverage gap by arranging a replacement policy for the same effective date.
- 1Contact your insurance broker first
- 2Or call Aviva at 1-866-692-8482
- 3Request a cancellation quote
- 4Provide written confirmation
- 5Return pink slip if requested
Refund processing: 10-14 business days. Broker handles paperwork. Cheque if paid in full upfront.
Enter your premium to see dollar amounts below
Aviva Insurance Short Rate Summary
Refund at key cancellation points, based on a $1200 annual premium
| Days in Force | Earned % | Amount Earned | Refund |
|---|---|---|---|
| 14 days | 11% | $132.00 | $1,068.00 |
| 30 days | 15% | $180.00 | $1,020.00 |
| 60 days | 23% | $276.00 | $924.00 |
| 90 days | 31% | $372.00 | $828.00 |
| 120 days | 39% | $468.00 | $732.00 |
| 180 days | 54% | $648.00 | $552.00 |
| 270 days | 78% | $936.00 | $264.00 |
| 330 days | 93% | $1,116.00 | $84.00 |
How Aviva compares
Aviva follows the standard industry short-rate schedule, so the penalty itself is mild: it stays small early in the term and fades toward zero as you approach renewal. You can trace the full day-by-day curve on our short rate table.
What really shapes an Aviva cancellation is the broker in the middle. Because Aviva sells through independent brokers rather than direct, a good broker can time your switch so the new policy starts the moment the old one ends — no coverage gap — and can tell you on the spot whether your reason (selling a car, moving, a write-off) qualifies for a penalty-free pro-rata refund. In practice that timing usually matters more to your wallet than the modest short-rate penalty itself.
Tips to minimize penalties
- • Use your broker — they can negotiate on your behalf and find replacement coverage from multiple insurers.
- • Group policy holders — if you have Aviva through an employer, check whether group terms offer better cancellation rates.
- • Ask about pro-rata — Aviva may waive the penalty if you're selling your home or vehicle.
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.
Does Aviva charge a separate cancellation fee?
No. There is no standalone administrative fee. Aviva uses the standard short rate calculation, so the penalty is absorbed into the refund — it keeps a few percentage points more of your premium than a day-by-day split would.
How do I cancel my Aviva Insurance policy?
Because Aviva sells through brokers, contact your insurance broker first — they handle the paperwork and can line up replacement coverage. If you have lost touch with your broker, Aviva can be reached at 1-866-692-8482. Ask for a cancellation quote and return your pink slip if requested.
Can I get a penalty-free pro rata refund from Aviva?
Aviva generally refunds on a pro rata basis with no short rate penalty for qualifying events such as selling your vehicle or home, a total loss, or moving out of province. Your broker can confirm whether your reason qualifies.
How long does an Aviva refund take?
Refunds are typically processed within 10-14 business days. Your broker handles the paperwork, and if you paid in full upfront the refund is usually issued by cheque.
Sources & Verification
- ·Standard Canadian short rate cancellation table, which Aviva uses for early cancellations.
- ·Aviva Canada service line (1-866-692-8482) and broker channel for current cancellation procedures.
- ·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 June 2026
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