TD Insurance Auto Insurance Reviews

I I had my 2009 cobalt ss stolen from my house I am with td insurance I filed my police report did all the nessasary paper work. I had car rental coverage no problems getting a car rental. I found my own car ditched down the road from my house the next day waited 4 hours for police to show. My car was towed to accodomy towing and put in there yard. Only damage my car had was a driver's side window that's it . The toe company never covered my window it was exposed to rain and snow and ruined the interior and all my electrical components in my car. I waited 2 weeks never heard a thing from td insurance I was not allowed to access my car at the tow yard until the police released it. It took so long I had to call sheriff office myself to get released. My car had more damage then when it was stolen. Finally td insurance contacted me saying a adjuster was looking at my car and it was going to Steele Chevrolet to be fixed. I have till this day 2 months later have not heard anything about my car. I even was put under criminal investigation over stealing my own car I have been paying off for 4 years which went no where because there's nothing to put me in the wrong over my cell phone records and my alibis where I was when my car went missing. I recently had to take my car rental back still with no car of my own and got charged over $500 for the car rental. I believe that this is the worst service that has costed me my job my apartment and my own vehicle that I still have no idea what's going on if it's going to get fixed or there just going to send me another bill after paying full coverage to Td insurance for 4 years. I would recommend to cancel any insurances you have with td insurance and if you have had a car stolen get a lawyer to look after your claim they will just screw your life over because it's hard to have a job with no vehicle and having to waste your own time and money dealing with td insurance. I hope no one goes thru this and that you cancel td insurance and get a company like co-operators insurance that will actually be behind you and take care of you like they should. Td insurance is the worSt insurance company you can have by my experience with them.

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!!

Bill J.'s review of Td Insurance Home and Auto

TD Insurance sucks! I still don't have my vehicle insurance cards after calling twice to have them sent out! They don't want any risk either. They wouldn't touch me with a ten foot pole cause I wanted a wood stove. So I said fine, I will use heat pumps. But I was not happy I couldn't do this at least as a secondary heating source. Wood stoves are fine if properly installed (WET certified )and cleaned yearly. Then I wanted insurance for our daycare, but we have a secured above ground pool. NOPE! TD doesn't insure anyone with a pool and a small daycare. Wait...what? If the pool is 100% secured to their liking why not? Cause they just want your money with little to no risk. Completely unproffessional on the phone. One lady was even annoyed that I had a new driver in the house that wasn't noted on the policy yet. Sheesh...sorry! I will be moving away from this company, I can only imagine what a claim would be like getting done. No thanks.

10 year loyal customer for home and auto. 2 incidents (minor speeding, and minor 50% at fault fender bender. Cancelled my auto. You are nothing but a number to them and basic human decency is not a part of their business philosophy. Steer clear of this place.

Yes premium prices are one of the lowest out there, but apparently for a reason. A nightmare to deal with on all of my claims, frequently puts rates up with no explanation or reason (after being on hold for 30 minutes they cant even explain why except changes to market etc etc). Having a terrible time dealing with my physiotherapy right now, will be changing companies as soon as things are resolved. As with other people, if there was a no star option for Customer Service and especially Claim Service I would use it.

Yes premium prices are one of the lowest out there, but apparently for a reason. A nightmare to deal with on all of my claims, frequently puts rates up with no explanation or reason (after being on hold for 30 minutes they cant even explain why except changes to market etc etc). Having a terrible time dealing with my physiotherapy right now, will be changing companies as soon as things are resolved. As with other people, if there was a no star option for Customer Service and especially Claim Service I would use it.

waited for over 20 minutes; still holding. TD cancelling policy without apparent cause. couple of claims that weren't his fault and only one that was. had to pick one star because 0 not available.

As with most of the other reviewers here, I had a horrible experience with TD Insurance. I had snowmobile insurance with them in the past. I got insurance for a new snowmobile I purchased in late October of 2014. I paid $581 in full for a 1 year policy. I sold the snowmobile in early February of 2015 as it was not what I wanted. I called to cancel my snowmobile insurance the day after I sold it. I had the TD insurance for a total of 111 days. Therefore, I should have gotten a pro-rated amount of $404 back. Instead TD Insurance informed me that they would return only $180 of my $404. They cited that their internal policy is to pro-rate snowmobile insurance higher in the winter because you are only really using it in the winter. What? The two people I spoke with at TD both admitted to me that there was nothing explaining this so-called "internal policy" in the policy documents sent to me...only one vague reference to "unearned portion of the premium" They said that if they allowed everyone buying snowmobile insurance to get the pro-rated amount back, everyone would simply get snowmobile insurance in December and cancel it in April. But, I told them I sold the snowmobile and would provide proof of that. They did not care. I could see a $50 admin charge or something like that, but they simply ripped me off for $224 because they know no one will go to small claims court for that amount. Basically, my experience with TD Insurance is that these guys will make up the rules to suit themselves. What do you think would happen with an insurance company like this if you have a claim??? I will never let TD Insurance insure anything I own.

Here's a cautionary tale. TD sent me my slips after setting up automated payments for a new auto policy for two drivers and three vehicles. All good, or so I thought. But an error took place in entering my banking information. They mailed a letter (regular mail) that I didn't open - my bad. Then they cancelled my policy without me knowing. Their bad.

When I discovered the situation, they said they mailed twice, and phoned and left messages twice. That sounded fishy because this is not the kind of voice-mail one would forget. And when I looked up my voice-mails on the dates recorded in their files - there were no messages from them.

Not only that, they told me that I was now not able to restore coverage with them because I'd been cancelled for non-payment. And not just with them, because that black mark went against my file with every other insurance company.

They put me in a really tight spot with that - and they were brutally inflexible about it across multiple phone calls over a period of 24 hours. The cost for me of not opening that envelope has been in the thousands: car rentals, selling off vehicles, shifting to a company car, getting my wife re-insured in a hurry under another carrier. But it could have been much, much worse had I had an accident while driving (unknowingly) without insurance. (Even the fine if you're caught driving an uninsured vehicle is $5000 ).

Weeks later, I complained through TD's facebook page. To their credit they looked into it and did promptly offer to reinstate my insurance and remove the non-payment flag from my file. I did appreciate those small gestures. But had they done the right thing in the first place, they would have tracked me down before canceling me over a keystroke error: Registered mail, courier, even a real phone call to a real phone number would have been appropriate contact strategies given what was at stake for any auto insurance customer. And when I called in - they could have handled my situation very very differently. I might not write a protest song and post it on Youtube, but I'll sure never look at that brand the same way again. Their homepage advertises "a simple way to protect the ones you love." Nice words. Nice words.

I called TD's insurance, got a competitive quote, and applied for the insurance at the same day I bought my car. Three weeks later without hearing from them, I called again and I was informed that I am going to receive it in few days. I received in few days a letter from them asking for further documents that they didn't ask for from the start. I sent them the documents and I called them later to be informed by someone that because it is summer time, paper work is finished slowly and if I don't like it I can look for a broker!! Now because of them my car has been parked for two months now waiting for TD's mercy and I regret that I wasted my time with them. With the calls I made to this company I realize now how unwelcoming, and uncommitted to the time and to customers they are. My advise is that don't let their low prices get you to apply for their insurance.