TD Insurance Auto Insurance Reviews

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 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.

They keep increasing their prices. Before I was paying 110/month then they renewed my policy with the increase of 200$ premium then they gave me 133$/month. Somehow I talked with them 2-3 times then they decreased to 127.83. I have no accidents, no tickets. But they increased my insurance premium.

I had a horrible experience with TD insurance when you leave you really never ever want to go back. They do not have the best rates. TD insurance does not do a good job in customer service because they do not explain completely everything before a new task or changing something within your account. This is why I don't find TD insurance a good company to be taking my money towards their products.

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

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.

Just had mine go up 178$ a year. Phoned in and the representative tells me to drop comprehensive to save 700$ I say no and at the same time he is telling me my car is only worth 2000$ yet they are charging me 700$ a year comprehensive, you would think they would lower that rate to a more reasonable amount like 400$ a year. What a joke this company is.

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.

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.

Was TD client for 12 years. All that time my insurance went down. And this year it went up 40$ for no reason at all. For many years TD was a good choice for insurance. Not anymore. So you will be loosing my dad's insurance (went up as well), my house insurance and my car insurance. "Thank you" for great service.