TD Insurance Auto Insurance Reviews

I have been a TD insurance customer for 15 years! Only 8 months ago I cancelled auto insurance didn't need anymore, have decided to buy a used 2000 thought I would check the cost with them, I have one speeding ticket 2 1/2 years ago and one handheld... I still have home insurance with them... And they are refusing me coverage! When I decided to get a vehicle I will take somewhere else as well as home insurance... I work in automotive and every one of my clients will also be referred to another company

I am paying $190 per month (extra $30) for their program that when I got into a collision they will replace my vehicle with a brand new one (since my car was brand new in 2015 until now). But when I just want to claim for a Hail Damage, they want me to pay $1000 for it. I thought I had a good coverage but turns out that all the money that I paid was just a waste. Not to mention that I waited for more than an hour on hold to talk to the Claims Department agent. What a waste of money and time. I had a bad experience with TD when they screw up my Property Tax, now another bad experience with their TD insurance. NEVER AGAIN WITH TD.

I hate to say this but TD service and employees sucks. I got involved in a car accident few weeks ago. Even though it wasn't my fault they failed to provide service. (forget about good) my adjuster was from NB and she is the worst person I have ever deal with. No contact for two weeks. I called daily to get my papers and they simply ignored me. Finally get papers that my vehicle deemed a total loss after almost a month, they only giving me 40 % of my car price. Got an accident and screwed by TD. Now I am financially and mentally damaged. After paying 60 months of payment I got this disappointment. Cancelling both my auto and home insurance and also insurance of my family.

My fiancé and I were involved in a not-at-fault car crash when the other driver fell asleep and rear ended us. We are both injured and we have not been able to return to work. Our TD insurance adjuster is rude on the phone. She interrupts us regularly and she doesn't care to listen to what we are going through. She refuses to answer our questions and insists that we go through our lawyer even though it's a simple question and we have her in the phone. She doesn't answer when our lawyer calls and defends herself by how many days she can delay before having to reply. We are professional acrobats / pro athletes and it is absolutely crucial for us to be rehabilitated so that we can go back to work. Our adjuster delays an our ability to get access to the treatment we require and when we try to voice our concern she will raise her voice and and be offensively rude.

I would highly recommend anyone considering to get TD auto insurance to search elsewhere other than TD insurance because if you do have a claim and if you do have injuries, their priority will be in keeping their own expenses low instead of approving you the services you need to get better. They don't feel like allies, they feel like the enemy.

18 years with TD paid for accident forgiveness , wife had one accident ( First claim on our policy ever) accident was her fault got a minor ticket , had a minor speeding ticket the year before
They will now not renew our policy
Cause of TD we now have to start over and our rates have sky rocketed.

DO NOT BUY TD GENERAL INSURNCE

By the look of all these terrible reviews, TD Insurance is one company to stay away from. All I know is, as a body repair person, TD Ins. is at the bottom of the totem pole for the rates they pay to body shops. They lag behind other insurance providers by about 20 years. I wonder where all the money is going that they are saving! I tried to get a response about this issue but it was to no avail. I guess that's par for the course for TD Insurance.

Hello,
I have had very bad experience with TD Insurance and very disappointed to see the way Claim Adjuster has misrepresented me by her contradict email. Before giving me any offer rented car or claim amount of money. My car has been salvaged and i came to know about when i have received the letter from Alberta Vehicle Registration.

After this incident i have decided to close my account with TD BANK and move on to other BANK.

She contradict herself by email. in email she asked me when your are going to repair car otherwise close file and second email asked me accept
her offer of money and my car not repairable.

She did not notified me about salvage of car, i could not able to go for work. when i decided talk to her Manager, she denied to transfer her call to Manager. she wanted to settle with her offer. she was rude and not respond me by email and phone.

I complain to HR department, but i have mental and financial loss because of her misrepresentation.

I've been with TD for over 30 years. I originally was with Liberty Mutual.Insurance for over 10 years. But TD bought them out 20 years ago, so that meant that I went with TD I have NEVER missed a premium payment or been late with one.... NEVER. I had my wife's car, my car and my house with them. Anyway my wife had 2 small accidents in the last 3 years. There were no injuries, no towing involved as these were very minor accidents with superficial damage to vehicle's.
They also at first, increased our premiums for these accidents which we expected, and were willing to still pay.
But TD in their infinite wisdom, then decided to cancel our auto insurance because of these incidents.
How's that for customer loyalty after nearly 35 years??
They have made a ton of money off me over all the years and now because of this they cut me loose.
My house insurance is still with them and is due for renewal in a few months, and I will show them the same level of loyalty that they have shown me, which is NO loyalty. I would cancel it now, but they would hit me with an early cancellation charge.
You are nothing to TD but dollars, Loyalty means NOTHING to them.
If you sign with them expect NONE.

I'd like to start by saying in order to get a 1* rating by me, you'd have to be unprofessional, arrogant, complacent & willing to outright lie to your customer. TD Insurance covers all of those basis.

In May of 2016, I was a victim of a wildfire in Fort McMurray, that sadly took my home away & everything I've ever worked hard for. Surprisingly, my car was still standing on the road that I abandoned it on because of police ordering everyone to run on foot, even though everything around it burned.

Dealing with TD since has been NOTHING short of a nightmare after another nightmare.

There was a misunderstanding in my policy (me thinking I was protected because I was paying for some sort of 1-million dollar coverage) & also a Gold Premium Package. It all sounds reassuring & fancy until you actually need it & it's NOT the kind of coverage you think you're paying for.

I was given 1/3rd of what I owned & had an experience over the phone with one of their associates not realizing he didn't hang up on his end, & all I could hear was him belittling myself & my mother with another co-worker in the background. I had vice presidents & a senior manager call to "apologize" but that's all for show, they don't mean it & don't let them fool you into thinking they do.

Moving on from my Tenants Policy, now begins my Auto Mobile claim...

The associate I was dealing with about my car was calling everyday to give me an update about my vehicle - which was always the same, that it was still waiting to go into the shop but it was in a secured lot & he couldn't get in touch with them to find out more details - until about a week & a half ago when he stopped calling. I'd also like to mention that he asked ME to make phone calls for HIM because he was "extremely busy & wasn't sure when he'd be available to work on my claim." He also mentioned that he & his manager would be working on extending our rental due to the circumstance of the wildfire & the long wait for repair shops. This was all talked about around June 15-20th, somewhere in between that time frame.

Just yesterday, July the 3rd, I answered the phone to the company who TD Insurance rented a vehicle for me was calling to tell me that TD stopped paying since the 23rd of June & that I would have to start paying out of my pocket if I wished to keep it longer. I told them my Insurance extended the policy, but they said no phone call was made to them.

And so then I called TD Insurance, July 2nd, to find out what was going on.

The associate working on my claim explained to me that he was still working with his manager on extending the rental & hasn't gotten an answer back yet. And that he "assumed MY car was taken care of in the shop because myself or the autobody shop didn't call him with updates," so he stopped working on it.

I asked to speak with his manager at this point. He told me his manager would try & call me back. I waited 2 hours, no call from him, so I called again. Finally I got the manager on the phone & of course he was arrogant. He wanted to argue with me, not help me, & when told his associate was to blame, he kept repeating, "I fail to see how my associate is to blame. How is this his fault?"

I also have a voice mail of the associate apologizing for his mistake, that he should have been on top of it but wasn't & that he would work on getting the rental extended with the help of his manager. The manager also told me that they weren't going to extend it to help us out. Neither of them had plans to call & tell me this, or else I would have returned the rental when it was due to go back so that I wouldn't have another expense.

...

They'll treat you with arrogance & talk to you like you're stupid when they make mistakes & won't own up for it.

They put crooks in place of managers on purpose to deal with us paying customers, so that finally we will just give up & say it's not worth it anymore.

You'll pay them money for a service that they'll try & pass off onto you.

And you'll hear constant apologies about mistakes they've made because they decided to take their time with your claims.

STAY AWAY... and if you decide to still go through with getting insurance through TD, record every conversation you have with them & let them know that you're doing it so that it's legal. Ask a million questions until you thoroughly understand your policy - & make sure that person doesn't use words like, "I think so," or, "I'm pretty sure," because that's when you know they don't know what they're selling you.

Be smarter than these crooks.

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