TD Insurance Auto Insurance Reviews

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.

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've been with TD (Meloche-Monnex) for years. Two years ago I had a claim and I was treated terrifically. Unfortunately, the service with TD has gone down terribly since that time. I've decided to cancel because of the price and service. Yesterday I spent nearly four hours on hold and even used the call back service only to be put on hold for another hour. Today I called at opening 9:00 and have been on hold for over an hour. I would NOT recommend TD insurance!

They recommended that i get this scam of a towing company over the phone and then refused to foot the $550 towing bill. We also thoght we had collision coverage because they were charging us 40% more than what statefarm quoted us for liability coverage, turns out theyre just ridiculously expensive! I mean all this money to buy a lesson, but this is the stupidest thing ive ever had to deal with. We also apprently got a 30% discount using our university, so what are the rest of you paying for this awful coverage?

If you are the kind of person who values customer service stay away. They have the worst customer service ever. I cant tell how bad I feel. Low cost was the only factor that took me.

I called twice for getting a new quote because I am going to move in April. For the first time I called, the new quote is double of my current rate, even the new location is only one block away. But the one who answered my call was pretty nice, he said he's not going to change anything at the moment, and told me to go shop around first since they raise a lot and I still have time. However, some friends recommended me to call again because the guy might mess up my quote. For the second time I called, the experience is horrible. At the beginning, the guy told me to call again since the quotation will not be accurate because it is more than 30 days. I had to tell him what happened before like begging him to do me a favor, then he started to do my quote. Then he gave me the same quote like the first time, and be like your previous premium is cheap because of our system error since I lived in north of Ontario before. I moved to Toronto for few years already, and I moved for like 2 or 3 times, now you're telling me all of these got system error. Ridiculous. And he instantly raise my premium of renewal, even I received the renewal notice letter like few weeks ago. I am totally gonna cancel TD insurance.

Having had my auto insurance jump 29.3% I thought that I'd ask why. I did not get an honest or accurate answer. I was told that it was "probably" because my policy was bundled with other peoples policies (a form of "group" insurance) that have had substantial claims. I also asked FSCO (Financial Services Commission of Ontario) to look into the matter and they couldn't even get an answer. Bottom line: According to TD, the government has apparently allowed them to raise my rates without cause or justification (at least not explainable to me or FSCO). I would have been a lot happier if they were at least truthful with the matter. As such I'm looking elsewhere. And don't get me started with their home insurance either (that one I'm cancelling). Otherwise, their rates aren't astronomical nor cheap - about average plus in my opinion. So much for good treatment and honesty after being on the same policy for over 20 years (even with a clean license and no claims in the last 15+ years).

I had a claim with this company. The claim was done under Property Insurance to cover my loss from apartment robbery. It took us two months to gather all evidences about values I had and lost, to consider those evidences by insurance officer, to prove insurance payment (less than I claimed) and transfer it to me.

Next renew period they increased my Car Insurance by 50% which was, per my suspicion, done to return their spenditures from Property Insurance. I consider this bizarre.