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 insurance groups, serving over 3 million customers. They operate primarily through a broker distribution model, with penalties typically ranging from 10-17% above pro-rata.
How to Cancel
- 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 Schedule
Based on $1200 annual premium
| Days in Force | Earned % | Amount Earned | Refund |
|---|---|---|---|
| 1–3 days | 8% | $96.00 | $1,104.00 |
| 4–7 days | 9% | $108.00 | $1,092.00 |
| 8–11 days | 10% | $120.00 | $1,080.00 |
| 12–15 days | 11% | $132.00 | $1,068.00 |
| 16–19 days | 12% | $144.00 | $1,056.00 |
| 20–23 days | 13% | $156.00 | $1,044.00 |
| 24–26 days | 14% | $168.00 | $1,032.00 |
| 27–30 days | 15% | $180.00 | $1,020.00 |
| 31–34 days | 16% | $192.00 | $1,008.00 |
| 35–38 days | 17% | $204.00 | $996.00 |
| 39–42 days | 18% | $216.00 | $984.00 |
| 43–46 days | 19% | $228.00 | $972.00 |
| 47–49 days | 20% | $240.00 | $960.00 |
| 50–53 days | 21% | $252.00 | $948.00 |
| 54–57 days | 22% | $264.00 | $936.00 |
| 58–61 days | 23% | $276.00 | $924.00 |
| 62–65 days | 24% | $288.00 | $912.00 |
| 66–69 days | 25% | $300.00 | $900.00 |
| 70–73 days | 26% | $312.00 | $888.00 |
| 74–76 days | 27% | $324.00 | $876.00 |
| 77–80 days | 28% | $336.00 | $864.00 |
| 81–84 days | 29% | $348.00 | $852.00 |
| 85–88 days | 30% | $360.00 | $840.00 |
| 89–92 days | 31% | $372.00 | $828.00 |
| 93–96 days | 32% | $384.00 | $816.00 |
| 97–99 days | 33% | $396.00 | $804.00 |
| 100–103 days | 34% | $408.00 | $792.00 |
| 104–107 days | 35% | $420.00 | $780.00 |
| 108–111 days | 36% | $432.00 | $768.00 |
| 112–115 days | 37% | $444.00 | $756.00 |
| 116–119 days | 38% | $456.00 | $744.00 |
| 120–122 days | 39% | $468.00 | $732.00 |
| 123–126 days | 40% | $480.00 | $720.00 |
| 127–130 days | 41% | $492.00 | $708.00 |
| 131–134 days | 42% | $504.00 | $696.00 |
| 135–138 days | 43% | $516.00 | $684.00 |
| 139–142 days | 44% | $528.00 | $672.00 |
| 143–146 days | 45% | $540.00 | $660.00 |
| 147–149 days | 46% | $552.00 | $648.00 |
| 150–153 days | 47% | $564.00 | $636.00 |
| 154–157 days | 48% | $576.00 | $624.00 |
| 158–161 days | 49% | $588.00 | $612.00 |
| 162–165 days | 50% | $600.00 | $600.00 |
| 166–169 days | 51% | $612.00 | $588.00 |
| 170–172 days | 52% | $624.00 | $576.00 |
| 173–176 days | 53% | $636.00 | $564.00 |
| 177–180 days | 54% | $648.00 | $552.00 |
| 181–184 days | 55% | $660.00 | $540.00 |
| 185–188 days | 56% | $672.00 | $528.00 |
| 189–192 days | 57% | $684.00 | $516.00 |
| 193–195 days | 58% | $696.00 | $504.00 |
| 196–199 days | 59% | $708.00 | $492.00 |
| 200–203 days | 60% | $720.00 | $480.00 |
| 204–207 days | 61% | $732.00 | $468.00 |
| 208–211 days | 62% | $744.00 | $456.00 |
| 212–215 days | 63% | $756.00 | $444.00 |
| 216–219 days | 64% | $768.00 | $432.00 |
| 220–222 days | 65% | $780.00 | $420.00 |
| 223–226 days | 66% | $792.00 | $408.00 |
| 227–230 days | 67% | $804.00 | $396.00 |
| 231–234 days | 68% | $816.00 | $384.00 |
| 235–238 days | 69% | $828.00 | $372.00 |
| 239–242 days | 70% | $840.00 | $360.00 |
| 243–245 days | 71% | $852.00 | $348.00 |
| 246–249 days | 72% | $864.00 | $336.00 |
| 250–253 days | 73% | $876.00 | $324.00 |
| 254–257 days | 74% | $888.00 | $312.00 |
| 258–261 days | 75% | $900.00 | $300.00 |
| 262–265 days | 76% | $912.00 | $288.00 |
| 266–268 days | 77% | $924.00 | $276.00 |
| 269–272 days | 78% | $936.00 | $264.00 |
| 273–276 days | 79% | $948.00 | $252.00 |
| 277–280 days | 80% | $960.00 | $240.00 |
| 281–284 days | 81% | $972.00 | $228.00 |
| 285–288 days | 82% | $984.00 | $216.00 |
| 289–292 days | 83% | $996.00 | $204.00 |
| 293–296 days | 84% | $1,008.00 | $192.00 |
| 297–299 days | 85% | $1,020.00 | $180.00 |
| 300–303 days | 86% | $1,032.00 | $168.00 |
| 304–307 days | 87% | $1,044.00 | $156.00 |
| 308–311 days | 88% | $1,056.00 | $144.00 |
| 312–315 days | 89% | $1,068.00 | $132.00 |
| 316–318 days | 90% | $1,080.00 | $120.00 |
| 319–322 days | 91% | $1,092.00 | $108.00 |
| 323–326 days | 92% | $1,104.00 | $96.00 |
| 327–330 days | 93% | $1,116.00 | $84.00 |
| 331–334 days | 94% | $1,128.00 | $72.00 |
| 335–338 days | 95% | $1,140.00 | $60.00 |
| 339–341 days | 96% | $1,152.00 | $48.00 |
| 342–345 days | 97% | $1,164.00 | $36.00 |
| 346–349 days | 98% | $1,176.00 | $24.00 |
| 350–353 days | 99% | $1,188.00 | $12.00 |
| 354–365 days | 100% | $1,200.00 | $0.00 |
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 if group terms offer better cancellation rates
- • Ask about pro-rata — Aviva may waive penalties if you're selling your home or vehicle
Need a different insurer? Try our universal calculator
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