TD Insurance Auto Insurance Reviews

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.

By tomorrow I will be leaving TD Auto Insurance as they are terrible. Customer Service is ridiculous and not customer friendly. They can only touch your file once per day so if you need to do two things, ex: find a quote on another car you are thinking of adding and also trying to activate your insurance or stop your policy. They can only do one, not both...Second, like many people have written, they tell you different things from one rep to the next and even with the same rep on the same day saying so many different and contradictory things (ex: you have to act now and I won't be able to call back because of the high volumes today so if you have to call in you will probably get someone else. But then saying he can call you the next day)...Or increasing it by $60 dollars and then saying it's "small thing". Claim service like people said, you have to push to start and process through (I had hit black ice last year). And the list goes on. Their rates go up even with no claim. I tried State Farm and TD and both were horrible in the past 5 years. State Farm was better than TD but they too increase their rates when they feel like it every 6 months or so. Any recommendations for Auto Insurance??

I have been insured with the company for 14 years and got into an accident 3 weeks ago where I knew my car would be written off. The accident happened Friday evening so I called Saturday before noon to declare the accident. I spent a good 30 minutes on the phone with the lady taking my statement and telling me to go get a rental car they were going to pay for. She said once I talked with my adjuster (which was suppose to call me at the beginning of the next week) I would either keep the rental until the settlement if I was covered for a rental and if not that I would simply return it but they would still pay for the time I had the rental. After not hearing from the adjuster for almost a week I called for him to ask me why I had waited a week to de claret the accident.????? I had to push to get things moving and they didn't even bother telling me the settlement (which they did with the lender) 3 weeks later. Now they are refusing to pay for the rental car I've had for a week ($216) which I would have never got if they had not told me to and asoured me they were paying and they tell me that they have no ecru of me calling to declare the accident so are basically accusing me of lying???? Half the people I talked to were nice and the other half was really rude!!! I would rather pay double with another company than to deal with them or give them another penny.

Even if you are not insured with TD Insurance you may unfortunately need their service if an impaired driver hits your car is insured with them! This happened to me couple of months ago. I had a minor collision which needed some body work. TD appraiser, after 5 minutes of inspection, decided that my car (which didn’t make yet 160,000 km) should be totalled. The adjuster tried to scare me with all his might about keeping my salvaged car (and the expenses involved in bringing back to the road) but I insisted on it. They paid me as little as they could. It is somewhat a hassle to bring it back to the road a written off car but I managed to repair it at an inexpensive body repair shop and to pay for the expensive inspection ($450) from the settlement money of TD insurance, with no need to add anything out of pocket.
About 7 years ago I had the same scenario with another insurance company who wanted to total my car for the same reason (the repair would cost more than car value). When I refused to give away my car we settled for a smaller amount of money, they didn’t write off the car, and I got refunded for car rental, and didn’t need to go thru the hassle of inspection to bring it back on the road.
Why is TD Insurance company so eager to total cars? They can repair them and resale them, and make good money. Also, TD insurance agreed to pay for only 3 days (!) car rental and not for the whole period of negotiation and settlement, because (they said) it’s a salvage car. So, we think we know all the tricks of insurance companies, but each time you learn something new about the level of their expertise in squeezing more money from the public. By the way, when the inspection person took a look at my damaged car he laughed upon seeing how TD insurance tried to have a steal deal from the potential resale of it. If this car was considered “salvage” then probably 50% of the vehicle on the road should be salvaged as well.

I switched to TD auto insurance just two months ago and am already done with this company to not fault but their own.
Apparently I failed to send all documents needed and received a letter this past Friday that my policy was canceled as of today. How nice to give me two day notice. The letter stated they made numerous attempts to get a hold of me and were unsuccessful. I needed to simply fax two documents which I did. Apparently they received one and not the other. Without contacting me over this simple matter they cancel my policy?
I called them and the woman said it was indeed over that tiny mishap and to fax the letter the following day and they would fix the matter. I refuse to deal with a company who treats me like this. The very next day I called up a different company and am actually saving $75/month. I simply faxed the two documents needed and poof had an agreed insurance policy with a new company. If only TD had actually contacted me before canceling the policy since I clearly had the documents they needed. I won't ever choose TD for anything, Ever.

Have been with TD Insurance - Auto - for over 6 years.

Always predictable and terrible customer "Service". Quotation marks added for sarcasm.

Very tough time getting any information or changes actually inputted correctly.

Client personnel are not very helpful. Not satisfied with TD Auto Insurance AT ALL.

With that said, I'm VERY HAPPY to be moving to another insurance company! :)

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.

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,

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!

I've been with TD auto insurance for 20+ years and had a 'minor accident' (their words) more than 4 years ago. Today I got a letter saying my insurance policy will not be renewed because they just pulled up my file now. After calling the company, they refused to reason with me and kept saying there was nothing they could do. I've been paying them 500 dollars a month for two cars and I was still loyal to this company. Worst mistake I've ever made. Should have listened to friends and family when they told me to switch companies. Horrible treatment of customers, does not value loyalty, and company policies are ridiculous.