TD Insurance Auto Insurance Reviews

I've been with TD Insurance for over 5 years for both my home and auto policies.

Recently, I was parked in a grass field at a festival and hit a rut while leaving which bottomed out the front of the car and caused some damage to the front bumper cover and some stuff in behind. Was going to pay out of pocket to get it fixed, but the estimate ended up to be over $3000 (who knew plastic was so expensive)... so I decided to claim it thru TD.

I paid my deductible and they had one of their preferred shops fix the damage and provided me with a rental for a week (which was not even comparable to the car I was driving) - Strike #1.

The claims process was straightforward but trying to get a hold of the adjuster was like pulling teeth. Seems all calls are screened and are sent directly to voicemail... it would then take 1-2 days for them to bother to call you back - Strike #2.

The final straw was the ignorant and rude voicemail I received from one of their agents today that said "Due to your recent $3000 claim, we are not renewing your policy. I suggest you look online for another provider. Goodbye" Keep in mind, my renewal date is July 1st. Thanks so much for the sufficient notice! /sarcasm.

I ended up using Kanetix.ca to find another insurer and had a new home and auto policy within 30 minutes which ended up SAVING me over $1000/yr.

TD Insurance can be summed up as follows:
- Ridiculously expensive
- Terrible customer service (rude agents or agents who don't know what they are doing and have to ask a manager for help every 5 minutes)
- Ridiculously long hold times when calling in
- Rates continuously increase every year with no justification
- Insurance adjusters hide behind voicemail

STAY AWAY from these crooks

I moved 5 blocks away and my premium went up over $600 a year. How is this possible or even legal?

I did an online quote using my new postal code and received quotes more consistent with my previous rates, and TD happened to be the second cheapest provider. So new customers get the real rate and loyal customers of over 5 years get robbed.

I am currently having a terrible experience with TD insurance. I am a new car owner.. only paid my first and last insurance and a lot has happened. money was mistakenly taken from my account ( which was for an important appointment). td lied that i was going to get my money asap, i had appointment cancelled all because of TD. csr has been rude to me, one gave me false information and the manager promised to call me and she never did. TD ruined my week because of a lousy mistake on their end. I really want to escalate this issue and also search for a new auto insurance company. its been such a horrible experience.

After years of using TD insurance (never had a claim) they decided to cancel my policy. They gave me less than a week notice.
When I called they couldn't give me a straight answer as to why my policy was cancelled. They told me to Google another insurance company. (This was of course after waiting on hold for a long time)
But of course they kept taking their payments out of my bank account. I had to keep calling and asking for a refund while they tried to sell me another policy?????
I'm glad I never had a claim. What a nightmare.
Never use td auto insurance!

After being with TD Insurance for almost 20 years, I can't wait to say good bye. With the move to another area of Ontario, my premiums for home & auto have increased by about $300 annually. I can accept that, but now they want 2 months payment up front on the day I move. It's a rip off!!!!

Horrible experience. I wanted to pay in full for my insurance. So the company claimed they could not give me my policy till the money comes through. I paid them and 10 days later still no call back from them after calling multiple times throughout the week only to find out that they have apparently "rejected" the money and that it should be back in my bank account which it was not. I had to call my bank and they said they have nothing from TD insurance and that this actually happens quite often with TD insurance claiming they have returned the money. Now the bank is making an investigation into this company in order to get the $2,500 back from them. DO NOT USE THIS COMPANY!!!

I have only been a TD customer for a few years with a clean record. Last year (2015) I had a claim after an animal hit and this year my husband had a accident and wrote off his car. The claim and payout was fairly quick but then they refused to insure the replacement car. Its a 2011 crown vic - former police car. I have been fighting with them for 4 days over this and today got told to look around for another insurance company just in case as there is no guarantee they will insure it even after jumping through all their hoops.

I have had the worst experience with TD I have been a loyal customer for years. I have never had an insurance company like them, they have no sense of integrity and when I asked to make a payment from when I fell sick and ALMOST lost my LIFE !!! They were ignorant and wouldn't settle with me. They wanted me to pay 2000$ when I still have registered insurance right as I write this. I would never go to them, ignorant and zero concern for their customers

I see so many complaints of how they were jerked because of accidents and claims. But wait what about me?. Absolutely no claims,no tickets,no accidents for 10 years with this company and this year they raised it by 25%, yes you read it right 25%. Never ever go with TD for any of their products. I will go without a car if I have to but will not renew and never in my life have anything to with TD insurance or TD bank of TD group, TOTALLY DUMB. By the way why can't I give a negative no star rating here ? makes no sense.

DO NOT USE TD INSURANCE!!!!!!!

Driving home from the grocery store on the highway to my house a guy blew a stop sign and tried making a left hand turn in front of me. wrote off both of our vehicles and he was arrested for reckless endangerment. He was 100% at fault and my vehicle was only 6 months old. when we bought the vehicle we made sure we had replacement value, meaning we get a new vehicle equal to or better than what we had even if it was my fault. Now td is trying to take my $50,000.00 SUV and write me a check for $33,000.00 ON A 6 MONTH OLD SUV! trying to saddle me with almost $20,000.00 in debt plus I still have to go and get a new vehicle. They are disgusting crooks and as soon as everything is settled I will be switching to any other insurance company.