TD Insurance Auto Insurance Reviews

They owe me money after I cancelled the policy renewal...I have complained about the reimbursement not being made three times...and I am still waiting for my money. Each time I am given a new date, which comes and goes without any reimbursement being made. Worst customer service ever...I will never use them again...and I was a customer since 1999.

Terrible wait time, over one HOUR...How is it that such a large company has a wait time of over an hour to talk to an agent?

TD is by far the worst insurance company I have ever dealt with. Every time I call its 2 hours of me sitting on hold. There customer service reps are rude and unprofessional. They charged me for a vehicle I don't even own anymore for 4 months before getting in touch with me. I magically owe them 163 dollars to cancel my policy that I already canceled. They are criminal stay away!

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 don't even want to give 1 star. The Worst customer Service. When you buy insurance from them, they seem very polite and nice. 2 weeks temporarily cancellation fee is more than my monthly insurance?

I had TD car insurance for 15 months until I sold my car and went to travel. I was told I will receive my reimbursement for over within 2 weeks as a direct debit to my bank account. It has been 6 weeks so far and I have not received anything yet. The customer service is frustrating and horrible. Had to wait hours on a phone to finally to talk to a real person. I suggest avoiding this TD insurance at all costs!

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.