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Aviva and Aviva Traders

Auto Insurance:

Effective May 26, 2021 for new Ontario policies, and June 26, 2021 for existing Ontario policies, Aviva is reducing their base rates by 6 per cent for non-group policies and 10 per cent for group policies (Aviva Traders). This is in addition to the five per cent reduction that was implemented in August 2020 as a response to the COVID-19 pandemic.

For existing policy holders this reduction will be applied to your policy automatically upon your renewal (June 15, 2021 onwards). This reduction does not apply for Alberta Aviva customers.

Please note that should your policy experience other rating changes at renewal, such as new convictions or chargeable accidents, your premium will be updated to reflect these changes.

Premium Reduction:
Customers whose driving situations have changed have the following options.

  1. Adjust the use of your vehicle. If you are using your vehicle less due to COVID-19, your policy can be temporarily adjusted to reflect this. Please keep in mind if you are no longer driving to work, any potential savings will be based on the length of your typical commute. If you did not use your vehicle to drive to work before COVID-19, you will not see any cost savings. Your premium will be prorated from the time you are no longer commuting to work, therefore, when you return to your regular work commute, you will need to contact us to adjust your policy and your premiums will be adjusted accordingly.
  2. Park your vehicle and remove all road coverages. There are multiple options to remove road coverages from one or more of your vehicles depending on your personal circumstances. This will translate to the most savings however it will mean that you can no longer drive your car for any reason including groceries, etc. If your vehicle is leased or has a loan against it, we would require permission from the lessor or financial institution in order to delete coverages. We would be happy to discuss these options with you and what they might mean for you and your family.

It is your responsibility to update us when any change occurs. If you choose to amend your auto policy, it is your responsibility to contact a TW Insurance broker if and when your driving habits change. We can then work with you to ensure you have the right coverage for your needs. If your coverage does not match your driving habits, there is risk that your claim could be denied.

If you would like to amend your auto policy based on the information outlined above, please fill out our COVID-19 Policy Change Request Form. One of our TW broker team members will get back to you within two business days. Alternatively, you may call us at 1-833-615-9326.

Home Insurance:

Many of our customers are now temporarily working from home. While property policies do not provide coverage for business pursuits at home, Aviva is providing coverage for incidental office use for those working from home temporarily during the COVID-19 pandemic. For those customers with a broad or comprehensive form, there is $2,500 coverage for business property coverage provided.


Aviva is offering flexible payment options on a case-by-case basis. Please contact us to discuss your options.