TD Insurance Auto Insurance Reviews

I got a quote of a bundled insurance (auto and condo) before I was purchasing my car. A fortnight later, I called in to inform TD that I would be taking possession of the condo soon and I'd like to give them my bank information. To my astonishment, the final quote was around 200$ more than the initial one.

I expressed my frustration with the customer service person. The person was all understanding and asked me to send in a retroactive cancellation application, promising there wouldn't be any fees. I work in risk management so I found this a happy surprise. With this promise from TD, I gladly sent in the document and called Lapersonal for a lower quote.

Several days later, I got two mails from TD. One telling me that my Condo insurance had been successfully cancelled, the other telling me I had to pay for my auto insurance in full.

Confused, I resent my document to TD asking them to verify since it was a cancellation for two policies.

A few days later, I got a mail from TD saying the auto insurance was cancelled, but I had to pay $180+ . I didn't even save that much money from switching to Lapersonal.

So I called in customer service again asking for an explanation. They told me what I had thought they would do when I asked about the cancellation: the $180+ was for the period from the inception of the policy to the date I sent in the cancellation. I WAS TOLD QUITE DIFFERENTLY BY THE TIME THE PERSON INSTRUCTED ME TO CANCEL THE POLICY.

The customer service told me to write down that I really wanted to cancel the policy and send the LaPersonal proof of insurance to them. I did so right away.

A few days later I received another bill. This time the money I "OWED" was $197.58! Not only nothing had been done to resolve the problem, I was charged interest!!

This is the worst experience I've had with any insurance company. What I experience is 100% fraud, once during the initial quoting period once during the cancellation. I'm seeking all the ways I can to have this bill write off but I don't have all the time in the world. Avoid this dishonest company at all cost.

I am dissatisfied and extremely disappointed with the lack of service that I have been receiving with TD insurance and I would not recommend them to anyone. I was stopped at a red light on November 6th when a roll of truck rolled back. The 2 beams of the truck crushed my hood and my window and if it wasn't for my fast thinking; I jumped out of the car, I could have been crushed as well. I jumped out of the car and started yelling at the driver that his truck was rolling back.

TD called me on December 1st and advised me that my car would be ready and drove from Woodbridge to Mississauga to pick it up and when I arrived at the Shop I noticed the engine light that comes on. The 10,000 pounds that crushed my car also damaged the internal cam shaft of my car and now it is leaking. I have been told by the shop that TD will not be covering for this damage!! My car was running perfectly before the accident and NOW TD does want to pay for full coverage.

In addition to my near death experience, I have been told by TD that my policy has a $1000.00 NO FAULT DEDUCTIBLE, which I had no idea that my policy had. I was thought to believe that $1000.00 would be charged to me when the accident is AT MY FAULT.

Four weeks have passed and I'm left with a $1000.00 bill plus $1,000's more to fix the cam shaft and the leaking through the head gasket!

I have been in contact with some lawyers and the local media to bring this matter to everyone's attention and to help others who are left with $1000.00 bill. I cannot believe the multi million dollar company is taking full advantage of the consumer!!

I had an accident where an impact (verified by mechanic) caused my rad to leak and engine to burn out. T.D. refused to settle and dragged out the claim for months. Christina (adjuster) talked with me twice. Other staff were rude hard nosed and dishonest. Met with "Keith" an investigator who said a "denied claim will result in facility insurance" and intimidated me. I withdrew my claim and later thought that I would still want to purse it. On being contacted by Keith he simply yelled "fraud fraud" into the phone and insisted on a police report after the fact (no such a thing -there are accident reporting centers that you must report to in 48 hours -I had reported mine directly after the fact to T.D. Do not insure your car there - they apparently do not pay out a lot of claims (I am out 3000 for new engine, repairs to rad travelling and hotel-all supposed to be covered by T.D. P.S. claims dept ONLY calls or not taped-BEWARE.