TD Insurance Auto Insurance Reviews

TD is by far the worst insurance company. Extremely long waits over 2.5 hours if you are trying to reach out to customer service. If you are lucky enough to get connected (in case the call doesn't drop) the agents are rude and are not interested to listen to your concerns. TD make changes to your policy on their own and jack up your premium and start withdrawing money from your account without even informing you. Stay away from TD at all costs.

By the time I’d had enough of this company and decided to cancel my insurance it then took 12 hours of my time sitting on hold and waiting on chats to have the cancellation completed. I spoke with three people over the course of three weeks and finally had to “pitch a fit” to get it cancelled. Now it’s been 5 weeks waiting on a refund check. So today two hours waiting on chat (after another hour and a half yesterday when my computer went to sleep) to find out that they say a “minimum of 4-6 weeks to get a refund. I asked how they would feel if it took their clients 4-6 weeks to make their payments. This company has no business selling insurance. There is ZERO customer service!!!

I had TD auto and home insurance for years. Never had a problem until recently. Tried to add a second car, it was too expensive so we cancelled and moved our insurance. I cancelled at the end of July. We are owed over $500 and we are still waiting on the repayment! I've called several times about it and was told it was scheduled for repayment Oct. 1. It still isn't in my account. Trying to get through to any customer service representative takes hours! I was literally on hold for over 2 hours before I got through to anyone and that was after multiple phone calls of being on hold for over half an hour, spending lunch breaks on hold etc. A total of 4hours on hold just to cancel and then more trying to find out where my repayment is. Don't go with TD insurance! I've banked with TD since I was 16 and I'm going to switch all my accounts out of TD. It is ridiculous.

I had a not-at-fault motor vehicle accident in 2018. I went through 7 adjusters and had to contact the insurance ombudsman to get any action. Then as an apology, they were sending a 50 visa gift card that 3 months later was not received. What a joke! The next year my premiums went up to $150.00, now this year up another 250.00 absurd! When I called to complain about my premium which I was given 24 days renewal notice, again, not acceptable! After being on hold for 2 hours and 24 mins all I kept being told was apologies, for the wait time, and all the insurance companies were going up to mine 15%. I informed the girl that during my 2 hour wait time I had time to get many quotes all less than what I am paying currently! One with a big name was the same as my new premium but insuring both my 4 runners and my husband's Toyota truck with full coverage. She then proceeded to tell me that she can lower my premium by removing full coverage on my vehicle. Seriously? After 35 years + banking with TD and insurance with them for 25+ years, then can take a hike! Avoid them at all costs! No COVID relief either thanks TD for a whole lot of nothing!

Over two hours on hold with them prior to COVID. Since then I had to call them twice to cancel my insurance with them I've spent 7 hours on hold with them in the last week just trying to get my last month's payment out of them. By the way, even if the customer service representative won't cancel your insurance for you when you call they won't give you your last month/deposit back they charge you the exact amount of money to cancel. When you buy your insurance with them they say you going to pay the first and last month's insurance payment but that's not the truth. They actually charged me $260 upfront and my insurance was quoted at $117. I was supposed to get half of that back but they just do what insurance companies are good at the lie and lie some more to take your money and when you have a claim they will do everything in there power not to pay you. Also, they didn't even call me to spike my insurance premium they just took money out of my bank account without my permission!!! Also, they will not communicate with you via email so you have to spend a ton of time on the phone just waiting to talk to a person that really only seems to be interested in taking your money! Because of my experience with this company, I will never even consider using TD bank for anything not even for a mortgage. They have lost a customer for life. There are cheaper better rates out there too. With better companies. I save $40 a month by switching with the same coverage!

My own experience was on 2 occasions TD insurance made a charge on my account before the agreed-upon date thus leading to an NSF charge from them. On each of those occasions, they on their own suggested a new day for taking out but still, they were inconsistent with the days. What I can't seem to understand is why the inconsistency and if this was pecuiliar to me. Anyways, I am just got a few months left and switching for sure. My fear is I hope when I cancel they don't hit my account again.

The invoice said 30 days. Customer service says 4-6 weeks. It's been 7 weeks and no refund. Absolutely ridiculous. This company is so unorganized.

We received a letter from TD Insurance dated June 18, 2019. The letter informs us that our premiums had been miscalculated and we are owed $1826.73. The cheque was made payable to both husband and wife. As we do not have a joint account the bank would not honour it. TD was contacted, after hours on hold. It is now September 27th and we still have not received the cheque. Shame on you TD. Your lack of customer service and satisfaction is abhorrent.

After an accident, TD insurance was an absolute nightmare. My vehicle sat in the body shop parking lot for nearly two weeks before the body shop itself tracked me down to ask why my car was abandoned in their parking lot, and if I wanted to proceed with a quote for repairs. I had been told by my TD appraiser that it would be fixable, and completed within 9 days, only to get this call informing me there has been no action for more than 10 days from when I spoke to a TD rep. Another 8 days go by, and they inform me they are unable to fix the car. I had to cancel a road trip, and multiple business opportunities because of the rental they authorized me, despite driving a seven-seat vehicle. They told me that this was unfortunate but irrelevant. Their gross negligence cost me thousands of dollars in revenue and time. When I finally did receive an offer for my car, it was approximately half of what I expected. The report they gave me was for cars with similar year and mileage, but clearly, they took the average of the five cheapest, and likely poorly upkept vehicles as their reference. My car was in pristine condition, and I am unable to buy anything even remotely comparable.