TD Insurance Auto Insurance Reviews

Horrible customer services. Very hard to get ahold of my adjuster. Have called 4 times and left 2 voicemails in the past 3 days. My vehicle was hit, not at all my fault and I’ve had to struggle to find ways to work and live my life for the past week without transportation. No one seems to care to move forward or return my calls. It’s very frustrating especially when the accident isn’t your fault and you're left to do everything on your own. On top of it, they expect me to find a way to move my car from the impound like I have 600$ laying around or a place to park an undrivable damaged car. I don’t have collision insurance on my end but is it not my adjuster job to contact the other party and get things going? Yet, no phone calls back in 3 days and now 9 days past the accident. Ridiculous. Considering leaving this company after this service.

I was t-boned on highway August 9-2015. The driver who caused the accident was convicted and charged but TD insurance failed to look after my injuries for past 3 years I have been in and out of hospital with many surgeries with TD insurance refusing to pay my medical and medications

My car was totalled in an accident that the other party claimed full liability. My insurance adjuster lowballed me by $1500 to $2000 in their valuation "offer". Their "offer" conveniently omitted the 5% GST I'd need to pay to buy another car. I did several hours of due diligence and found ample proof that if I had to buy the exact same vehicle in the same condition, I would actually be paying $2000 to $3500 MORE than their lowball offer. My due diligence was rejected outright and I was told I could hire an independent estimator, which I did. TD's adjuster didn't even call him after receiving his report, which was almost the exact same valuation as my initial research indicated. They rejected his report outright, as well. I tried talking to my adjuster's manager, but as decent as he seemed over the phone, he didn't do anything to improve TD's "offer". I was basically told I had to enter the DRP process.

What infuriates me the most is that these people were so inflexible, uncompromising and uncooperative. It's as if their JD Power 10-minute internet car valuation is the ONLY one that exists, and no other estimate is relevant. I absolutely could not believe this. No matter how much evidence the insured finds to prove their valuation, it's meaningless to TD Insurance. That's why I've put "offer" in quotes everywhere above because there IS no "offer". It's either take it or screw off.

If you're considering TD Insurance, you BETTER hope you don't need to file a claim if your car gets totalled, because YOU will get totalled, too.

Needless to say, I'll be shopping around for another provider after 30+ years and I estimate $35,000 spent in their coffers resulted in their adjusters quibbling over $1500 - $2000...they're losing a great paying client just to save TD such a pittance. Congratulations, boys!

I have waited on hold for 45 minutes twice and still have not been able to make my claim. This is my Third call and I've been on hold now for 21 minutes and counting. This is crazy!

I had a minor accident in late January and by the end of April, I’ve revived 1 email stating my claim was being processed a week after my vehicle was already in the body shop. The parts used to repair my one-year-old truck were not factory parts from the manufacturer. Third party aftermarket parts were used and do not match the original build quality. My adjuster also has been absent the entire process and does not respond to email or voice message. Any time I need answers I have to wait on hold for over an hour, explain the entire experience, transfer to another department and repeat. I made the switch from Intact and it was a huge mistake. Stay with Intact if you’re currently with them.

Customer service never responds to our claims! Long waits, sometimes more than an hour. Worst experience I ever had

I was t-boned on HWY 69. Ontario driver of the other car was convicted and charged at civil court. For over two and half years TD insurance refusing to pay for my medication and after surgery treatment they paid $50000.00 for 1 1/2 year then they stopped. Two years after the accident I went for shoulder surgery. The insurance company refused to pay for medication and after surgery treatment after my next surgery I’m thinking to take the matters to CTV news Pat Foran

I had 3 accidents. Two last year and one just about 2 weeks ago. I have switched insurance companies now. I got a phone call from where my car was being repaired. It was stated that I was showing a 500 deduction for at fault. I then call TD to inquire about such a claim and it was confirmed. So I need to pay another 500 out of pocket because they say I rear-ended him. Now almost 10 am and 1 claims adjuster. Done. Glad I switched

I got in a car accident on March 11, 2018. At first, everything seemed to go smoothly with TD insurance; they set up my rental car very efficiently. My car (a base model 2015 Ford Focus SE) was towed to the body shop for an assessment. A couple days later I heard from the body shop. Their preliminary assessment being $10,300. However, they couldn't remove the bumper to look underneath in order to see any further damages as they couldn't get the car up on a hoist because of the significant damage. My Ford had a previous $8600 claim (winter 2016) from a construction truck clipping the roof. During this 2018 claim, TD insurance initially valued my Ford Focus at $13000. Which would make sense if my Focus didn't have any previous claims. Unfortunately, TD insurance doesn't take previous claims into consideration. They only give you market value for your vehicle. The thing is TD, you're not repairing just any Ford Focus, you're repairing mine. This makes you feel like you're being treated like a number in the process line. This is super insulting for a customer as I would like to be treated as an individual, and you should treat each case based on individual information like you do when you raise my insurance premium. Also, this doesn't relate to actual life. If I were to sell/trade in my vehicle, you better believe they would take a previous claim into consideration of the value. My car at best with a previous claim would be worth $9000. So, of course, I asked why it isn't being written off. The agent on the phone looked into my file and flat out told me the reason why it isn't being written off is because I have replacement insurance on it. Umm.. excuse me! So you're telling me because TD Insurance has to pay me out the full value of the vehicle, they're deciding it's not a write-off... And believe me, I get it. It's far more cost-effective to pay out $10,000 instead of paying $21,000. But sorry, if this isn't a service you stand strongly behind, you shouldn't offer it in the first place. This is beyond insulting! I wouldn't have paid extra to have this service added to my policy in the first place if I would have known you wouldn't stand behind it. The agent goes on to tell me that having replacement insurance holds the value of the car at what I bought it for. Again, this doesn't relate to life because as soon as I drive that car off the lot, it depreciates. As I put KM's on it, it depreciates. I asked to see if my adjuster could contact me regarding my concerns. He called me next week on Wednesday, March 21st to tell me that he was submitting the car as a total loss and that he would follow up with me by the end of the week or early next week. 2 weeks have gone by and I haven't had any follow-up. I called TD on April 2nd, I spent 2 hours on hold and never got through. I called again later, spent another hour on hold and again never got through to anyone. April 3rd, I did receive a call from the body shop saying that it will be getting towed away because it's a total loss. So I wanted to get confirmation from TD as their follow-up has been non-existent. I called again April 3rd and spent another hour on hold, never got through. I called again later the same day and finally got through only to hear that it's not a total loss, that now the value of the vehicle went up from $13,000 to $16,000. This is absolutely ridiculous. How did the value of my Focus just jump up $3000? I've been with TD Insurance for almost 10 years and I'm extremely insulted by the lack of care and respect for my concerns I've gotten. That car is only going to be worth $2000-$3000 at best after this repair. A car which I have $15,000 remaining owing on it that's on a lease through Ford which also has gap insurance. So essentially any underside down TD insurance has, Ford will cover the difference. This is a huge disservice to your customer. I've never been so insulted by a company who I've been a loyal customer with for this long. To be treated like a number. Like nothing but a policy number! And have zero customer service follow-up is insulting. I hope that TD insurance does the right thing. Otherwise, I will be taking my business elsewhere. Maybe somewhere I get treated like an individual like everyone deserves to be treated. Sincerely, a very unimpressed customer, Aaron M.