TD Insurance Auto Insurance Reviews

I've been with this joke of a company for about a year now and regret it every day. They take payments on random days with different amounts every time mind you. Then send a cancellation letter. I have to call them at least 4 times a month because of the amount of incompetence!!! Staff not knowing what they are doing and make up a bunch of excuses on why the payments changed and the amount. My insurance was 189 a month next month they try and take out 400!? Then tell me it's my fault because I did not use my advantage app which was never given to me from the beginning. That's just the icing on the cake this company will make you look like you don't pay your bills on time and have faulty payments. Stay far away!!!

I got a letter in the mail with my policy number and the amount due. I have called several times in order to pay this bill. They cannot find my policy number, they keep putting me on hold, transferring me and hanging up the line. Last time, I advised them and they said that they would call me back if it were to happen again..... Obviously, no one called back. This is completely unacceptable and frustrating.

Checked my bank account to find out TD has taken more than double my premium from my account without any type of warning causing my mortgage to bounce and I incurred 2 NSF charges! When I finally got through to a real person to point out their mistake, I was told that this is what TD does to insure a policy renewal, and they will gladly give me my NSF charges back when I prove to them it was actually taken from my accounts. They are modern-day pirates out for only one thing... Profits! They couldn't care less about their clients. RUN as fast as you can from these people. I will be informing all my friends, relatives and colleagues of the way TD treat their clients!

And I thought my TD Assurance story was over. In November I had given TD Assurance explicit written directions that they were not to renew my policy automatically and that I wanted a quote at the termination of the current policy so I could make a decision.
Last Wednesday although my policy was completely paid for TD attempted to put another payment through my bank account. Fortunately, there wasn't enough money in that particular account and the payment bounced. The bank (not TD) did charge me an NSF fee which they subsequently gave me back once I explained to them what had happened. Then on Friday, I got a notice from TD Assurance that they had auto-renewed my policy at a rate that was double what I had negotiated with the new company for exactly the same terms as my original policy.
WARNING - DO NOT GIVE TD ASSURANCE YOUR BANKING INFORMATION. SHOP AROUND FOR INSURANCE RATES. TD Assurance rates are usury.

They have too few customer service reps. When I finally got through I was told how the charges would go through to which I agreed. They didn't go through as agreed (charged to credit card) and debited my bank account without my permission. Since there was a balance outstanding, because the full amount wasn't debited, I couldn't get access to my account online because there was a balance outstanding? Ridiculous...

Overpriced paying $100 less than my truck payments and have a clean driving record. They never take out money when they are supposed to say on my yearly bill chart that payments are going to be taken on the 18th of every month but rarely ever do its usually either my car insurance or my rental insurance one day and the other a day or 2 later. Then if I don't notice they haven't taken it and use it I get charged $45 by the bank and get a late fee from them when if they would take it out when they are supposed to the money would be there

It has been so impossible to contact my TD Ins., I have had to cancel my insurance policy via snail mail ($11.35 Canada Post). I received a notice on Oct. 27th that this was done, and that I would be receiving a refund. Instead of a refund, they debited my account for the amount of the reimbursement. I have sent another registered letter ($11.35 Canada Post) to get the money back they took, to obtain my policy cancellation refund and to pay the postage costs I endured. To debit someone's account without authorization is illegal. The fact that this is done by a bank is worrisome. The letter was posted on Nov. 6th, I await a response.

I have both home and auto. I have questions and have tried multiple times to reach them by phone (leave it on speaker so I can continue with activities) and eventually give up. They have sent me two identical invoices for my home and have raised my auto insurance. One is due tomorrow and another due next month. Do they have any employees at all? I would give them a zero!

Horrible hold times for customer service, non-competitive rates, provide false information, so far have waited for 5 weeks for a refund on a cancelled policy. No call back from management on escalated calls. Offered no discount for reduced driving when no longer commuting to work due to COVID. Do yourself a huge favour and go elsewhere.

The worst insurance provider. I have been charged thrice in a month. They cancelled and updated my policy without my concern and then said they tried to reach me but I never got any call. NEVER GET A INSURANCE FROM TD.