TD Insurance Auto Insurance Reviews

They charge more than your monthly insurance rate as they withdraw your payments as they please on different days each month. And after calling to ask why they took extra they say there is nothing they can do yet refund my entire payment the next day and when I called the next day they hang up in the wee as soon as I provided them with my account.

I made a claim 2 months ago and it is still not finalized.
I have been charged premiums for 2 additional months so far and the insurance adjuster does not respond to any of my messages as to why I am still being charged.
They lost my business on the new car I just purchased.

Terminated my policy without notifying me. Later I find out they did it as they were not able to process payments on my card because my bank noticed some FRAUD transaction and cancelled the card. Received no phone, text or email regarding missing payments for four months. When I acted it was already too late. I offered to make any outstanding payment in full and requested to reinstate insurance.
Instead of helping out their customer, they flagged my account with non-payment' which is now impacting me every time I go to any insurance company. They did it purposely so that I go back to them, and take insurance at a revised rate which is 120 per month higher than what I was paying before. Another weirdest thing, I paid off everything I owed, they're not even ready to issue a letter note saying I do not OWE anything. I don't know how to defend my rights in this situation 'when they have full access to flag/destroy my record with whatever they want.

I just got new car insurance from TD auto insurance Canada. I admit to missing one payment and was assured by the representative that my next payment would be deducted on the 21 of March. I put money down and waited for a notification from my bank for the deduction (which never came) I decided to call and let them know the situation. That representative was helpful even though he may have given me the wrong info. Another representative was helpful as well and did her job. However, another guy was the most awful supervisor and very rude. This guy made up his mind not to help out from the beginning. He listens to so many people and fails to understand each customer individually. He charged me the full amount of the insurance and told me there's nothing he can do. He told me to keep quiet whiles he spoke. Such awful awful customer service. Guys, I suggest trying another insurance. Please do not make the same mistake I made.

I have not received my renewal paper from them and they have taken out premium in advance which was higher than my previous amount. They always love to overcharge their customers. I asked them to cancel and they told me that I need to pay a termination fee (though my insurance coverage period is from November 27, 2016 to November 27,2017)!!! In a word, they are a MONSTER. I am planning to cancel all of my accounts with them.

I've been with TD for over 30 years. I originally was with Liberty Mutual.Insurance for over 10 years. But TD bought them out 20 years ago, so that meant that I went with TD I have NEVER missed a premium payment or been late with one.... NEVER. I had my wife's car, my car and my house with them. Anyway my wife had 2 small accidents in the last 3 years. There were no injuries, no towing involved as these were very minor accidents with superficial damage to vehicle's.
They also at first, increased our premiums for these accidents which we expected, and were willing to still pay.
But TD in their infinite wisdom, then decided to cancel our auto insurance because of these incidents.
How's that for customer loyalty after nearly 35 years??
They have made a ton of money off me over all the years and now because of this they cut me loose.
My house insurance is still with them and is due for renewal in a few months, and I will show them the same level of loyalty that they have shown me, which is NO loyalty. I would cancel it now, but they would hit me with an early cancellation charge.
You are nothing to TD but dollars, Loyalty means NOTHING to them.
If you sign with them expect NONE.

I got a quote of a bundled insurance (auto and condo) before I was purchasing my car. A fortnight later, I called in to inform TD that I would be taking possession of the condo soon and I'd like to give them my bank information. To my astonishment, the final quote was around 200$ more than the initial one.

I expressed my frustration with the customer service person. The person was all understanding and asked me to send in a retroactive cancellation application, promising there wouldn't be any fees. I work in risk management so I found this a happy surprise. With this promise from TD, I gladly sent in the document and called Lapersonal for a lower quote.

Several days later, I got two mails from TD. One telling me that my Condo insurance had been successfully cancelled, the other telling me I had to pay for my auto insurance in full.

Confused, I resent my document to TD asking them to verify since it was a cancellation for two policies.

A few days later, I got a mail from TD saying the auto insurance was cancelled, but I had to pay $180+ . I didn't even save that much money from switching to Lapersonal.

So I called in customer service again asking for an explanation. They told me what I had thought they would do when I asked about the cancellation: the $180+ was for the period from the inception of the policy to the date I sent in the cancellation. I WAS TOLD QUITE DIFFERENTLY BY THE TIME THE PERSON INSTRUCTED ME TO CANCEL THE POLICY.

The customer service told me to write down that I really wanted to cancel the policy and send the LaPersonal proof of insurance to them. I did so right away.

A few days later I received another bill. This time the money I "OWED" was $197.58! Not only nothing had been done to resolve the problem, I was charged interest!!

This is the worst experience I've had with any insurance company. What I experience is 100% fraud, once during the initial quoting period once during the cancellation. I'm seeking all the ways I can to have this bill write off but I don't have all the time in the world. Avoid this dishonest company at all cost.

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?