TD Insurance Auto Insurance Reviews

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 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.

Run away from TD insurance. I was hit by another car while sitting at a light. Damage was minor (needed a new bumper) but I really should have taken the other driver's advice and just had them pay for it. I thought that going through TD insurance would lessen my hassles but this is where they began. I tried to get through to the claims department, which took more than an hour on hold, and then had my claims adjuster go on vacation with no one taking over. I had to cancel the autobody appointment and have not been able to get in touch with the claims department again (apparently they are always experiencing a 'high volume' of calls whenever I call). When I call to pretend I am buying insurance, I get someone right away but when they take my info and say they will call back with offers to help with my claim I do not receive a call in return. On top of this, they increased my rates! In short, TD appears to have put considerable resources into taking its customers' money (I guess this is where my rate increase is going) but little into doing the service customers are paying for. If you have infinite patience, enjoy being on hold and dealing with people who cannot help you, choose TD. If you want insurance, choose anyone else.

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 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've been a five year lisenced insured driver with TD for five years now. And I have no get ten any decreases at all. My policy renewal has went up almost 400.00. I've never had any claims and never missed a payment. Other companies have quoted me at 110 to 120. Offering same as TD just my policy date was just around the corner and didn't have time to switch. Just don't feel like they are offering me there best services. I have one 2010 Kia Sportage and have to pay 2300 premium.. Wow is all I can say.. I know people who have two drivers and pay way less than that on a brand new vehicle.