Aviva insurance ,a story of insurance fraud against customer and the way of FSCO kissing insurance ass

Here how did they changed the amount that they are charging me and my response:

I believe you are charging me too much ,what is going on ,something wrong in Brampton?

Sent from my iPad

On Feb 7, 2017, at 12:34 PM, Service <service@smartcoverage.ca> wrote:

Dear Arif Sahinbay,

Thank you for being a valued SmartCoverage Insurance Services Auto insurance customer.

Recently you requested to change the address on your policy.

This email is to let you know that your request has been fulfilled. As a result of the above noted change to your policy, your premium has changed and your new payment schedule is as follows:

Collection Date

Installment Amount

Feb 16, 2017


Mar 16, 2017


Apr 16, 2017


May 16, 2017


Jun 16, 2017


Jul 16, 2017


Aug 16, 2017


Sep 16, 2017


Oct 16, 2017


Nov 16, 2017


The changes made to your policy will be automatically included in your renewal and your renewal premium will reflect this new information.

Again, we’d like to thank you for being a SmartCoverage Insurance Services customer. If you have any questions, please contact us at 1-800-268-7649.

Mhairi O’Donohue
Service Account Manager
SmartCoverage Insurance Services Inc.
PH: 1-800-268-7649
Fax: 1-800-668-6689
Are you moving? Need insurance documents? Or need to change your coverage?
Visit the Self Serve Portal to take care of your policy and insurance needs.

Please note that changes to a policy or binding coverage cannot be done by sending an email or by leaving a voicemail.

This message may contain confidential inf

Here is my complaint  to the fsco for insurance fraud and requesting from fsco to cancel insurance licence and fsco response:

Re: March 10 2017- Email to Arif.S – Refer to Insurance Company + GIO- file # 31224

As a matter of fact I don’t think that I should deal with the General insurance Ombudsman.
Fsco job is rules and regulates the insurance companies,
now I am asking from you to ,rule and regulate the insurance company.
Are you going to do your job or not?
I want fsco to cancel this insurance licence for fraud.
Insurance has started charging me 80 dollars extra after one month because of moving to different city,I don’t like they charging me 80 dollars extra and I wasn’t agree on that extra charge so,I have spoken with them and they said this is their price so,I have decided to change the insurance company who is not charging me 80 dollars more.
My agreement with them at first was less price, with out asking me that they tried to charge me 80 dollars more.They must have asked me if I was agree for the new price which they never asked ,instead they charged straight.
Insurance is stealing my money and doing fraud.
Now I am asking you to cancel this insurance licence! For fraud against citizen.
I need simple answer form you ,are you going to rule and regulate or will fsco cover the insurance mess.
Here is where my link to share your answer with your previous response letter.
Read and learn.

Sent from my iPad

On Mar 10, 2017, at 11:13 AM, Gaya Nadesalingham <Gaya.Nadesalingham@fsco.gov.on.ca> wrote:

Hello Mr. Sahinbay,

I have reviewed your complaint, please see attached referral letter.

Please note, I have also provided the link to the Ontario Automobile Policy (OAP 1- Owner’s Policy)

Thank you for bringing this matter to our attention.


Gaya Nadesalingham FCIP, CRM
Compliance Officer
Market Risk Assessment Unit, Licensing and Market Conduct Division

Financial Services Commission of Ontario (FSCO)
5160 Yonge St., 4th Floor, Box 85, Toronto, ON M2N 6L9
Tel: (416) 590-7184 | Fax: (416) 590-8480
Email: Gaya.Nadesalingham@fsco.gov.on.ca
Website: http://www.fsco.gov.on.ca

Here is insurance ombudsman response of my complaint and my answer:

Re: Policy A40348784PLA – Concerns regarding cancellation fees

1-I am not satisfied at all.
2-you have skipped the most important part of this disagreement.
3-They broke the agreement at first by charging me 80 more then then original agreement.
4-The reason of my cancelation was ;they did not obey the original agreement there fore I had right to cancel my insurance policy.
5-I made couple phone conversation with the insurance representative over the phone and I let them know my concern and disagreement of the price changes ,they said they can not do anything about this changes.
6-I made my search and found another insurance company was charging 79$ less then Aviva or what ever the name is.
7-Insurance side broke the agreement first,I accepted the original agreement on certain price.Once they changed the price that means they are the one who did not obey the agreement.
8- They must pay my money back with interest and with an apology letter.
9-Because of your conclusion and the perspective of looking at the issue ,you must send me an apology letter as an ombudsman.
Sent from my iPad

On Mar 29, 2017, at 1:46 PM, Ombudsman Canada <ombuds.ca@aviva.com> wrote:

Good afternoon Mr. Sahinbay,

I have attempted to contact you via telephone; however, I have not been successful in reaching you.

Our office received a complaint referral from the Financial Services Commission of Ontario (“FSCO”) regarding the concerns you raised following the cancellation of the above-noted policy.

I have had the opportunity to conduct a review of your policy. Upon review, I have confirmed that the premium charged for the time on risk, including the short rate cancellation fee, is correct.

The premium charge from the inception date of January 16, 2017 to the cancellation date of March 1, 2017 was $258.45. There was an additional charge of $49.52 effective February 7, 2017 to March 1, 2017 for the change of address, as well as an applicable short rate cancellation fee of $211.71. Following the cancellation of your policy, there was an overpayment of $23.29, which Aviva refunded back to you on March 4, 2017.

The following provides further details with respect to the premium charged:

Policy effective date January 16, 2017 and cancellation per your request effective March 1, 2017.
Premium $2,953.92 (includes finance fee)
Cancellation Return -$2,434.24
Total Time on Risk $519.68

Payments made $361.98 + $180.99 = $542.97
Overpayment $23.29 – Refunded on March 4, 2017

Mr. Sahinbay, when a policy is cancelled midterm, it is done so on a short rate basis as indicated in the Ontario Automobile Policy (OPA 1). This means that the premium owing after the cancellation includes a cancellation fee.

If you remain unsatisfied with the above explanation, the next step consists of the Ombudsman preparing you a Final Position Letter, which would provide the next step in the escalation procedure.

Please let me know if you would like a Final Position Letter.


Kurdistan Ismayl
Customer Experience Specialist | Legal & Compliance | Office of the Ombudsman
Toll Free: 1-877-689-3634


Insurance – Home | Auto | Leisure & Lifestyle | Business

Aviva Canada – bringing 300 years of good thinking and insurance solutions to Canadians from coast to coast

This message may contain confidential information and is intended only for the named recipient. Please do not forward this message to any other party or distribute it in any manner without prior approval of the sender. If you have received this message in error, telephone or email the sender immediately and delete this message and any attachment from your system.
For environmental concerns, please print this email only if necessary.

Here is aviva ombudsman final response;

IMG_2652IMG_2653Here is my final response and make another complaint to General Ombudsman;



Wow you and your decision is biased ,I wasn’t expecting better from insurance mafia.
When they charged me more then what my agreement with them is fine ,because of extra charge I cancel my insurance and I am wrong,if they have right to change the amount charged on that policy with out letting me know if I am agreed or not ,then I have right to cancel my insurance with them because of the over charged ,what kind of monkey business are you doing ombudsman,if you think this will stay like this, no wait and learn what am I capable of turning to you to your real nature a monkey.
Every details and writing will be published on my blog and shared your monkey business,
I am expecting from fsco to rule and regulate this insurance company by cancelling their licence.
What is my experience with fsco is ,they are only capable of fingering their ass and kissing insurance ass,fsco is a big fiasco one more time I will show the world what the fuck is reality of Canadian system.
Sent from my iPhone

On Apr 17, 2017, at 7:47 AM, Ombudsman Canada <ombuds.ca@aviva.com> wrote:

Dear Mr. Sahinbay

Please find enclosed the Final Position Letter that has been issued upon completion of the requested review of the above-noted policy. This letter outlines for you the final outcome and provides to you the next step in the complaint process.

Lori A. DeAcetis CIP
Sr. Manager, Compliance & Ombudsman
Legal & Compliance

Direct: 416-615-3634
Toll Free: 1-877-689-3634
2206 Eglinton Avenue, East, Scarborough, Ontario M1L 4S8 | http://www.avivacanada.com

Home of Aviva Community Fund – helping Canadians make positive change in their communities
This message may contain confidential information and is intended only for the named recipient. Please do not forward this message to any other party or distribute it in any manner without prior approval of the sender. If you have received this message in error, telephone or email the sender immediately. For environmental concerns, please print this email only if necessary.


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