Royal & Sun Alliance

I would give this company ZERO stars if I could.
Here are the details of my experience with them.
December 6^th, I got in a car accident. Rear ended, not my fault. I have rental coverage, so I picked up a rental the next day.
December 8^th, I got a call from Melanie, and from Linda from RSA. I wasn’t able to answer either call as I was on the road. I returned their call shortly after lunch. Melanie’s voicemail says she will call back by the end of day. I did not get a call back.
December 10^th, I called the collision centre where my car was being assessed. He was forthcoming that it wasn’t looking good for my car.
December 11^th, I finally spoke to Linda. Still nothing from Melanie.
December 12^th, I called the 1 – 800 number to let them know I haven’t heard anything about my car.
December 19^th, I called Melanie again. She called me back to tell me the car was being written off. She told me I had to return the rental by December 29^th.
December 23^rd I closed the deal on a new car, with the expectation that the cheque was on its way. returned the rental.
The cheque did not arrive. No one from the insurance company attempted to contact me.
January 5^th, I called the claims line to ask to speak to a manager. They gave me the «team lead» in charge of my adjuster. I left a message for her.
January 7^th, I called the claims line again, to tell them that the Team Lead had not called me back in over 48 hours.
Despite asking REPEATEDLY to deal with management instead of my agent, I got a call from her telling me that I am not authorized to handle my own insurance claim, for a vehicle owned and registered in my name, because my husbands name is on the file. This appears to be a mistake on the part of the broker who set up our file, but the fact that my name is right besides my husband’s on our policy, no satisfactory reason was EVER given about why they couldn’t talk to me.
I had no choice but to have my husband continue dealing with the insurance company.
January 8^th We were told the cheque was in the mail, and that we would get a call when it arrived «At the earliest, Friday. Probably Monday».
January 13^th, we called, left message with Melanie. No response.
January 14^th we called, left message with Melanie. No response.
January 15^th, husband called, cheque was waiting at reception.
When we picked up the cheque, the date of Monday January 12^th was on the envelope!!!
I will be cancelling my insurance with them. And warning every single person I can to avoid them.