TD Insurance Auto Insurance Reviews

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

These TD insurance guys are the worst you can possibly go to. Been with them for over 3 years with clean record and they increased my premium with no explanation. When I called them back, they couldn't give me a reason why!!!

I happened to call them at the end of my one year insurance contract so, I asked them to cancel. To keep me with them, they said they will charge me one and half months premiums for cancellation...

Leaving them for good...

I've been with TD Insurance (underwritten by Primmum) for almost 4 years, since moving to Alberta.

Initially, I got a great and affordable quote, but each successive year, with no tickets or accidents of any kind, I see my rates increase by increments of hundreds of dollars.

I called them to make some minor changes to my insurance a few weeks back, changing it from commercial to personal use, and notified them of an increase in kilometers driven to/from work. I was expecting to see my rate reduced by quite a bit due to changing to personal/commuter use, but the rep told me I wouldn't save much, and that he could add accident forgiveness to my policy and it would "break even". Well, next thing you know, my rates have increased by yet another 15%, making my annual insurance premiums DOUBLE what they were just 4 years ago - and again, no tickets, suspensions, accidents, nothing. Perfectly clean driving record.

So I jumped ship. Found another reputable insurer that quoted me less than TD originally did when I first signed up with them 4 years ago, which will save me about $700 this year.

Moral of the story: There are way more affordable insurers out there.

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

I moved 5 blocks away and my premium went up over $600 a year. How is this possible or even legal?

I did an online quote using my new postal code and received quotes more consistent with my previous rates, and TD happened to be the second cheapest provider. So new customers get the real rate and loyal customers of over 5 years get robbed.

I am currently having a terrible experience with TD insurance. I am a new car owner.. only paid my first and last insurance and a lot has happened. money was mistakenly taken from my account ( which was for an important appointment). td lied that i was going to get my money asap, i had appointment cancelled all because of TD. csr has been rude to me, one gave me false information and the manager promised to call me and she never did. TD ruined my week because of a lousy mistake on their end. I really want to escalate this issue and also search for a new auto insurance company. its been such a horrible experience.

After being with TD Insurance for almost 20 years, I can't wait to say good bye. With the move to another area of Ontario, my premiums for home & auto have increased by about $300 annually. I can accept that, but now they want 2 months payment up front on the day I move. It's a rip off!!!!

I see so many complaints of how they were jerked because of accidents and claims. But wait what about me?. Absolutely no claims,no tickets,no accidents for 10 years with this company and this year they raised it by 25%, yes you read it right 25%. Never ever go with TD for any of their products. I will go without a car if I have to but will not renew and never in my life have anything to with TD insurance or TD bank of TD group, TOTALLY DUMB. By the way why can't I give a negative no star rating here ? makes no sense.

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 have 4 vehicles, UTV, and home insurance with TD for the past 15 years. No Claims, and my reward? An 11.6% premium increase for 2016. Will be shopping around.