Buying insurance through a "friend"? Make sure they're licensed

Aviva Canada warns about unlicensed sellers of insurance who leave Canadians 
with no coverage, and less cash 
TORONTO, June 17, 2014 /CNW/ - Aviva Canada, one of the country's leading 
providers of home, auto, recreational vehicle, group and business insurance, 
is warning Canadians about the risks of insurance deals that seem too good to 
be true. 
Aviva Canada is releasing details of a recent insurance scam where an 
unlicensed seller of insurance took cash from an innocent victim to set up an 
auto insurance policy. The perpetrator did not secure coverage and kept the 
money, leaving the victim out thousands of dollars and driving without 
"It is important to use a licensed broker when purchasing insurance. Even if a 
friend refers you to someone who says they sell insurance, make sure that they 
are legitimate," said Steve Cohen, Senior Vice-President, Personal Lines 
Pricing & Underwriting for Aviva Canada. "Too often, consumers are taken 
advantage of by opportunistic individuals who claim that they're providing 
insurance, when in fact, they are pocketing the money for themselves." 
On April 10, 2014, Renato (Nico) Nolivos of Mississauga, Ontario was charged 

    --  3 counts of Fraud Under $5,000
    --  Uttering a Forged Document
    --  Making a False Document

Mr. Nolivos' is scheduled to appear in a Newmarket, Ontario court on June 12, 

A client of Mr. Nolivos notified Aviva Canada and York Regional Police that 
she had been the victim of fraud. In January 2013, a friend referred her to 
Mr. Nolivos to get cheaper insurance.  It is alleged that Mr. Nolivos attended 
her home, provided her with a temporary insurance card, and collected $3,125 
worth of premium in cash. The woman became wary when she never received a 
permanent insurance card.

After following up with Mr. Nolivos' network and paying an additional $1,660 
in cash, an Aviva policy was purchased on the victim's behalf through a 
licensed insurance broker. By June, Aviva Canada had only received two months 
of premium, so the insured was sent a notice that her policy was going to be 
cancelled for non-payment. The $4,785 in cash the victim provided to Mr. 
Nolivos is unaccounted for.

York Regional Police and Aviva Canada worked together to investigate this 
alleged fraud. On April 10, 2014, Mr. Nolivos was arrested and charged on 
several counts relating to his involvement in the fraudulent sale of 
insurance. His next court date is set for July 10, 2014.  Aviva Canada has now 
secured proper auto insurance for the victim.

"This is just one example of an increasing number of scams involving the sale 
of insurance. Criminals are also preying on innocent victims through 
classified websites like Craigslist and Kijiji, or are exploiting referrals 
through auto repair shops and car dealerships," continued Cohen. "Innocent 
victims are losing thousands of dollars without obtaining any real coverage. 
This puts the consumer at a huge financial risk in the unfortunate event that 
they are involved in a collision."

Risks of not having proper insurance  Anyone found driving with a false 
insurance card, or no insurance, could be charged with a criminal offence. If 
the driver becomes involved in a collision, they will not be covered for any 
damage to their vehicle. They can also be sued for damage to other vehicles 
involved in, or for bodily injuries resulting from, an accident, and will be 
held personally liable.

Don't become a victim! Protect yourself against insurance scams Before handing 
over any money, make sure that you are dealing with someone who is reputable.

Here are some signs that you may be dealing with an unlicensed seller of 
    --  If a deal seems too good to be true, it likely is. Call the
        insurer listed on the policy to ensure that the premium you
        have been quoted is correct and that they have a record of your
    --  They ask you to pay your premium in cash. A reputable insurer
        or broker will likely ask for a cheque or credit card to cover
        your premium.
    --  You do not receive a valid insurance card or a copy of your
        policy from your insurance provider. Insurers will always
        provide you with documentation once a policy is properly set
    --  Meetings only take place in public venues like coffee shops or
        your home. Insurance brokers and insurers will have branded
        websites and/or an office.
    --  A friend refers you to someone who can get you cheap insurance.
        In turn, your friend gets a fee for referring you. A licensed
        insurance professional will not ask for, or take, any referral
    --  A car dealership offers to arrange for you to get cheap
        insurance. This is a banned business practice.

If you are an Aviva Canada customer, and you believe that you may have been 
the victim of insurance fraud, contact our 24/7 Fraud Information Centre.  
Phone: 1-855-332-5255 Email: 

What Aviva Canada is doing to fight fraud Building on already strong 
capabilities, Aviva Canada has stepped up its tough approach to tackling fraud 
with more dedicated resources and an investment in technology that aims to 
identify fraud and even anticipate the potential for fraud before it happens. 
With an industry-leading anti-fraud team, plus solid public sector and 
industry collaboration, Aviva Canada is well positioned to combat fraud better 
than ever before.  The impact of Insurance fraud in Canada is estimated at 
over $1.6 billion dollars annually. Visit to learn more 
about our anti-fraud initiatives and how you can protect yourself from 
becoming a victim of fraud.

About Aviva Canada Aviva Canada is one of the leading Property and Casualty 
insurance groups in Canada providing home, automobile, recreational vehicle, 
group and business insurance to more than three million customers. A 
wholly-owned subsidiary of UK-based Aviva plc, the company has more than 3,000 
employees, 25 locations and 1,700 independent broker partners. Aviva Canada 
and its employees invest in positive change including through the Aviva 
Community Fund and Eva's Initiatives, its partner in Aviva's global Street to 
School program to help homeless and other at-risk youth reach their potential.

For more information visit, our blog or our Twitter, Facebook 
and LinkedIn pages.

SOURCE  Aviva Canada Inc. 
Glenn Cooper, Senior Manager, Public Relations and Social Media, Aviva Canada 
Inc., Desk: (416) 288-2685, Mobile: (416) 523-3225, 
To view this news release in HTML formatting, please use the following URL: 
CO: Aviva Canada Inc.
ST: Ontario
-0- Jun/17/2014 13:15 GMT
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