TD Insurance Auto Insurance Reviews

My payments were preauthorizes and were going from 3 years. Then, my credit card gets lost and I forgot to update my card completely. They cancelled my policy for non-payment. They sent me a letter which unfortunately I never opened… It was called to renew, then I found my payments not going through. Then they said now your policy will be renewed with much higher rates. I cancelled my policy. They do not value customer, even though I cleared all the outstanding balances same day I found out my payments did not go through because of credit card changed.

After my credit card was stolen and the number changed, I tried to update it online on multiple occasions, and it wasn't being updated for pre-authorized payments. I contacted TD insurance multiple times to resolve the issue so that I won't accidentally miss payments. Once I thought the issue was resolved, turned out my payment information wasn't updated and I missed two payments and my insurance was canceled for non-payment. I haven't received any notice of cancelation to my email or phone, nor I was notified about missed payments. Contacting TD insurance produced no results and no I am facing the consequences.

Most expensive car insurance I've ever had. Premium WILL go up every year, even if you haven't made a claim.
They took a payment out of my account 4 days AFTER it was due, so the money was no longer in my account. So got charged an NSF fee from them and the bank.
They sent me a letter dated Jan. 25, saying they would try again to take the payment on January 31. There is absolutely no way I would have gotten that letter on time. So the payment bounced again, got charged NSF again.
So that's $166 just in NSF charges when THEY could not take the payment when they were supposed to.

So I canceled my insurance as my vehicle was in a accident in 2023 I had a letter from td insurance telling me I was getting a refund issued back to my card of 1900 and received a check for 630. I call and the agent tells me there must have been a mistake on the letter now this is a insurance company and claiming they had made a error and refused to tell me what's going to happen to the 1200 the letter told me about. The claim process was nice but over all not the type of experience that a customer should receive.

DO NOT get auto insurance with this company! I had one month left to pay and they canceled on me with NO notice. They said I didn't pay, when in fact the money came out of my account and I sent them proof. They didnt care. They STOLE money from me then canceled. Now NO company will sell me auto insurance because of these scammers. They may be cheaper than most places, but please don't let this happen to you, go with another provider. Because of them my insurance history is absoubtly toast.

I had been with TD home and Auto insurance for two years. I went on vacation and didn't realize my home insurance payment didn't clear. Instead of contacting me, I get home from vacation with a letter saying I had to pay out $3600 or my home insurance was cancelled. I paid the $3600. Then one month before my insurance was to renew. They took a payment out of my account. My payments before they made me payout were $325, the new payment they took was $390. Not telling me they upped my insurance. They told me I would get a refund, I advised them I didn't need a refund because it bounced as I didn't know they were going to take a payment. I cancelled the policy. They took a payment of 390 out again 4 days later. I then cancelled my home insurance & car insurance. It took 7days to get my refund for my home insurance. Then I needed a premium paid letter, to prove I didn't owe anything to TD. They told me I would not receive the premium paid letter for 10 business days. They refused to email the premium paid letter to the new insurance company or myself. So I can not get insurance for 10 business days. This is why I left this company. You are just a dollar sign or a number to TD, and they do not care about you. I would use TD as last resort. Dealing with TD has been a nightmare!

Had my ATV insured through them. Sold the ATV but didn't bother to call as I figured it would just run out at the end of the term and/or they would contact me to discus. About six months later I recieved a call, text, email and letter from a collections company saying I owed them $75. Had that paid same day. Why didn't TD just call, email, text or mail to save us all the headache. Seems like a shady practice. Beware.

Some of the associates I have spoken to over the phone were fantastic, treated with respect and reciprocate the same.

However, they reverse charges without notes or a reason, take payments on the wrong date, input accounts as the wrong account type, wait hours after speaking on the phone to take a payment from your account, and overdue balances cannot be viewed online due to locking out the user after 2 days.

This leaves you unable to view your information online, and forces you to call as it refuses to take a payment online. I bank with the same organization?! Every month it's another headache.

So it began when I tried to insure my quad offroad. I already had car insurance with them so my quad had to be separate they said 386$ they said to send so in April I sent 500$ for the quad ..all of a sudden I get a letter that my quad is cancelled in May. I called, and they had put the 500 on my car account and gave me a delinquency for their mistake. I argue to remove the delinquency they won't do it so I cancel my car that month in May, and they give me a second delinquency because they didn't do their job and canceled me when I ask. So then they sent me a bill for owing 645$. I send 800$. A year goes by I get a call from a collection that I owe TD 145$. I call TD and showed my 800$ proof receipt oops OUR mistake again. So they owed me 150$ and they ruined my credit for a couple of months on a mistake they made again. Horrible, horrible service!

They didn't debit my credit card for the monthly premium at the beginning of the month and on the 12th of November when I deposited my paycheck I noticed that they didn't take their monthly payments because that's usually when I settle my credit card. I only use my credit card for the insurance and cell phone plans so there was plenty of money available for them.

So I was driving around with no cover for 12 days... They are unreliable, unprofessional and totally useless when you try to sort things out.

Now they are insinuating that it's all my fault and they had nothing to do with the problem in the first place. They are demanding a full year's payment from me.

Quit honestly I think they are going bankrupt and trying to squeeze money out of people, why else would they do this?