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TD Insurance Auto Insurance Reviews

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(588 reviews)
TD Insurance
1.4 out of 5 stars:
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claims service terrible

by ashbee on Jun 9, 2014
1 out of 5 stars

i would like to say there rates are terrible claims services is terrible someone was in an accident and almost died, and it was there insureds fault .... thank god for witnesses, as well rude adjusters would never ever ever use this company and pray to god your never in accident with them.. terrible.. and im glad i cancelled with them,

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canceled insurance

by hova on Jun 6, 2014
1.5 out of 5 stars

I have been with TD for 2 years only. They had the best rates so I signed up with them. However, after one at fault accident which I got a ticket for they refused to renew my policy. I've never had claims before nor tickets. It was a one time mistake that I made and they dropped me. Because they refused to renew my policy, no other insurer would take me except facility insurance companies the high risk ones. I went from paying $1430 a year to $4200. I am 27 years old and can barely afford this. Your company is in the claims business you must expect people to make mistakes. I only made one and you ruined my record! Never in my life I am going back to TD!

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Awful company

by andrea on Mar 9, 2014
1.5 out of 5 stars

I have been with this company for several years with no accidents. Then 1 had 3 accidents in 2013 - 1 was a minor one that was my fault; absolutely no damage to my vehicle and only scratches to other vehicle; the second accident happened in a gas station parking lot where it was clearly the other driver's fault as he was not paying attention; he tried to get me to not go through insurance and to go to his cousin's mechanic which looked shady (I checked it out) so I did not do. This ended up in a 'he said she said scenario' and they put it at my fault. The 3rd incident occurred as I was driving to North Bay and just around Deep River a driver driving the other way started to come over the centre and at 100 km an hour was coming head on to me, I had to swerve to avoid the car and ended up in the ditch with damage. There were 2 witnesses that this car almost hit as well and a police report (we all agreed it appeared the driver fell asleep at the wheel). The insurance company deemed it my fault because the driver kept going. Then they dropped me. After 10+ years without anything on my file. Shame on them!

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Claiming is very painful

by sam on Sep 11, 2013
1 out of 5 stars

My Car was vandalized and I made the mistake of making a claim with TD. I have to say this is my first claim in my life. I have a pretty good driving record and have been driving for 10 years. No claims what so ever. When my new car was vandalized I called TD and the agent was quick enough to set a claim up. But then came hell. My claim adjuster never called me. He never replied to my mails. And to my sock TD will not even cover some of the thing that I am paying for. I have been wtih TD for a year now and was very happy until now.

TD is good as long as you pay then in time and don't claim for anything. The moment you make a claim its like marriage gone bad. Everything is down the hill.

Note: Please do not take to any assured TD collision center coz its a complete rip off.

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Vague reason for increase

by adurmanov on Nov 9, 2012
2.5 out of 5 stars

I had a claim with this company. The claim was done under Property Insurance to cover my loss from apartment robbery. It took us two months to gather all evidences about values I had and lost, to consider those evidences by insurance officer, to prove insurance payment (less than I claimed) and transfer it to me.

Next renew period they increased my Car Insurance by 50% which was, per my suspicion, done to return their spenditures from Property Insurance. I consider this bizarre.

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Quite good service and value

by alexey on Apr 20, 2012
4.5 out of 5 stars

I compared many rates but TD Insurance had the lowest one for my age and driving experience. All other providers were significantly more expensive. Their callcenter folks are quite knowledgable and explained me all the coverage details.
I also had some claim experience with them when that old gentlemen T-boned my car in the downtown of Toronto. TD Insurance agent was not very helpful on the phone, but the whole claim process went quite smooth: I got comparable rental car for 4 weeks until my car was fixed. My rates did not go up since I was not at fault. So I am quite happy with TD Insurance so far. Meanwhile their rates started climbing a bit every year though...

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by Anonymous on Apr 11, 2012
3.5 out of 5 stars

The rates are competitive and the claims process is easy. Insurance can be confusing but to the best of my knowledge I am getting the best rate and coverage for my money. I will need to get a competing quote soon to ensure this is the case.

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