Kafka meets RBC insurance

Recently my son obtained his driver's license.  Obviously, he would like to borrow my car from time to time.

So, I telephoned my automobile insurer, RBC Insurance and explained the need.  The lady took the info and then quoted a price.  (sucking sound here - he's 18).  I told her I would get back to her.  She asked, "when?"  I replied "When I can."

She phoned twice in the same week asking for an update.  On the last call, I said, "NO.  Do not insure him."

Then I received a packet in the mail showing him as an occasional driver on my insurance.  I phoned up RBC and said, "NO, this is not wanted.  Take him off."

"Well Sir, you'll have to sign a form."

"Why?"

"Well to remove him from your insurance."

"But he's not on my insurance."

"Yes, he is."

"Why? I told you 'No, don't put him on."

"Well Sir, that's not how it works."

"All I asked for was a quote, I didn't confirm.  In fact I said, 'No'"

"Sir that's not how it ...." 

I used the RBC 'comment' site.

I got a phone call from someone who could do nothing as they were not authorized to actually do anything when customers had issues.

I received a packet in the mail to sign to CONFIRM that my son was insured.

I received an e-mail reminding me to sign what I received in the mail to CONFIRM that my son was insured.

But I have yet to hear from ANYONE at RBC Insurance acknowledge that in fact I never asked for my son to be added as an occasional driver.  I said "NO".  What is so hard about the word "No" for RBC Insurance?

I can only assume that RBC Insurance excels in creative incompetence.

Not only is RBC insurance incompetent, but I suspect a degree of unethical sales behaviour, perhaps driven by commissions.

Imagine calling Ford and asking for a price on a Mustang, and the next day a Mustang appears in your driveway with a demand for payment.

I've told RBC to fix this quick.  But I suspect I'll be shopping for a new insurer very soon.