TD Insurance Auto Insurance Reviews

On June 13th we purchased a new 2020 Denali XL. While driving to the registry from the dealership we were hit by the hail storm and the vehicle was destroyed. Hail went through the roof, broke every panel on the vehicle and the windows were shattered. After filing a claim with TD Insurance the vehicle sat at the dealership for almost a month waiting to be towed to an adjuster. A month into the claim and the vehicle is still sitting at a scrap yard with no plan of how to move forward, all while we are paying for a rental. Our adjuster won’t return calls or emails. I would caution anyone to choose TD insurance. We choose TD because of the professional/alumni incentives, but no amount of savings will ever recover the cost of this experience.

I had a claim for my new truck. It got hit while parked and was totalled. TD did not want to replace the vehicle (even though we paid an extra premium) and forced us to repair it. Repairs took several months and happened to be completed during the peak of the COVID 19 pandemic. Instead of waiting for the situation to get better they decided to cancel the payment extension of our rental and gave us a day to coordinate pick up and drop off of our car and car rental. They had no consideration for us nor the current situation affecting the entire world - not even exceptional circumstances could get TD to implement some decent customer service. So sad.

Absolutely terrible experience with TD Insurance. I filed a claim for severe damage to my bumper and undercarriage of the car. I was driving down a dark road late at night (no streetlights) and as another car was about to pass me going the opposite direction. Just as the car passed I was struck by a moving object. I know with 100% certainty that it was a moving object as I saw something moving out of the corner of my eye just before the impact was made. I assumed it was an animal since we do have a lot of incidents like that on that particular road. TD insurance lied to me throughout the process, first telling me that the adjuster would likely be there to take pictures the next day. It ended up taking 4 days. During that time I was stuck paying for a rental car. TD insurance called me on the 4th day after the claim was reported to tell me that they were changing the comprehensive claim to an at-fault accident and claimed I hit a pothole or chunk of ice in the middle of the road. As I mentioned before, this was not possible as I could see in front of me the whole time and whatever hit my car was moving. A pothole would not cause front bumper damage and a piece of ice wouldn’t cause severe damage to the undercarriage of the car. On top of that, the bumper was damaged at the corner of the car providing that whatever struck my car was moving into the path of my car. Additionally, TD insurance tried to quote the claim based on used parts from a scrapyard. I will be cancelling me and my wife’s home and auto insurance immediately and we will never do any business whatsoever with TD as a whole. This company has no integrity and will try to screw you out of any money they can.

Here was the course of events: 1) Truck received minor fender bender (other persons fault) 2) Took it to TD insurance and was told that not only would the other party cover everything but that they would also cover a rental car while the truck is being fixed. I was given a date to bring the truck back (after parts had been delivered) 3) Brought truck back, was told upon arrival that the parts were not there and that I would have to bring my truck back later. They said they had left a message telling me that the day before. Checked phone, no missed calls, no message. 4) Brought truck back in. This time parts were present, but then they told me that I no longer had a rental car covered. This time I came with my 8-month pregnant wife. I told them that they told me this would be covered on my first visit. They checked in their system and this was written down that they told me this on my initial visit (proof...I call it). But they said "sorry" and that this had changed, and that TD was no longer able to give me a rental car. I was angry, obviously - said some things I don't regret. 6) I went home, again. 6) Then I called the manager, who sorted out the situation the next day. I came back the next day and received a rental car. So, what do we do with all of this? Let's go through the issues: I was told I was going to get a rental car, then they didn't deliver. They said "sorry", but not sorry enough to fix the problem they caused...

If there was an option to give TD auto Insurance 0 stars, I would have chosen to do so as I honestly believe that is the best representation of the level of communication, customer service and complete lack of respect for the people who are unlucky enough to have to deal with them. I (thankfully) do not have TD Insurance as my provider but I was T-boned by someone who has TD insurance and my truck was written off, which means I had to deal with TD to get my vehicle fixed/paid out. The entire process from the very get-go was unbelievably painful and drawn out. It took the adjuster 11 days after the accident to even contact me and advise on what the next steps were (even though I had called and left multiple voicemails and e-mails with the TD adjuster working on my claim, starting the day after the accident). When they did finally contact me, they did not acknowledge or show any sign of being apologetic for the frustration I was feeling with being vehicle-less and unable to contact anyone to advise what was going on - though I explicitly advised I was feeling disgruntled (the auto body shop that I had taken my vehicle to advised after I complained that I had been without a vehicle and had no idea how much longer it would last that TD would cover a rental for me.. which was one of the reasons I had asked for an update from TD in the multiple e-mails and voicemails I had left with the adjuster. Had the autobody shop not advised of this, I have no doubt I would not have gotten into a rental because TD is that incompetent and sneaky and obviously did not want to have to pay to have me drive a rental while their employees took their time to mismanage this case). They provided me with a release form and told me to sign it - but the release form had contradicting payout amounts listed on the form in different locations. I asked for the form to be reviewed and revised before I signed it and asked for a breakdown as to how the payout amount was decided as I had multiple aftermarket upgrades on my vehicle and I wanted to ensure that I was being offered a fair amount based on my specific truck, not just a general base model. Long story short, it took over a month for this issue to be resolved. The adjuster continued to ignore voice mails and phone calls. I even called to escalate this issue to the manner, which was also ignored. After over 3 weeks of asking for the breakdown of how the payout was calculated, I was sent a spec sheet on a base model of my truck that had incorrect information listed (said the truck was grey; it is custom painted matte-black. said the rims were 20", they are aftermarket 18" rims; said the truck had cloth interior, it had leather etc. etc.) with absolutely no dollar amounts listed. When I, once again, asked for the breakdown of the costs, the adjuster advised that there was no such document to be able to provide. I asked if there was no breakdown as to how the number was found, how the appraiser could have come up with the payout amount, which was also ignored. I ended up signing the release without being provided any of the information I requested (the adjuster eventually said that I could submit receipts for all of the aftermarket upgrades to TD and they would review them one by one and take them into consideration for the payout but would not guarantee that the price would be adjusted -- for which I asked how it could be expected for a person to keep all of the receipts for aftermarket parts that had been on the truck for years on the off chance that someone else would total the truck and the insurance company would require them to give an appropriate payout... especially as all of the aftermarket upgrades were still ON the truck and the appraiser would have seen them if they had even looked at the vehicle). I ended up signing the release because the entire claims department was obviously incapable of any sort of organization, communication, honestly or customer service. Clearly, as management also ignored communications, it is the culture in the company in general and not just my misfortune to have to deal with 1 incapable individual. When I signed the release, I had to ask 3 times for upper management contact information, as the original manager I had contacted was also clearly just as incapable or unconcerned with mishandled clients. The adjuster replied that he couldn't provide me with management information but that someone would contact me... The manager with whom I had already tried to contact ended up phoning me, even though I explicitly advised that I needed to speak with her manager because part of the issue was with her specifically and that their bosses need to be aware that there are concerns not just with the adjusters, but in their management as well. Overall, the worst customer service I have ever encountered with both employees and management. I have worked in customer service for over 15 years and have never dealt with such unprofessionalism and lack of regard. I will refuse to deal with them ever again and hope that this review will help others avoid getting involved with one of the worst ran and managed companies I've ever experienced. The accident was November 16 and it is currently December 19... and was told to expect my cheque the week of Christmas (which I am imagining will not happen. That cheque should have been couriered directly to me) - so it has been over a month and I am still without reimbursement. Avoid this company at all costs.

I was in an accident on October 8th (not my fault ). I was notified that my truck was going to be a write-off. My adjuster contacted me on September 23 with a very low value for my truck. I want to purchase the same truck the same year but they are all $8000 above. What I’m being given. She told me that I had to return the truck. On the 25th I have written her emails after emails phone calls after phone calls and got no response. I live in Calgary and the adjuster is in Toronto and now I’m being left with no rental no truck and no payment! The adjuster never calls back never replied back to my emails. I don’t even know who to complain about what a mess!!!

Know that if you are assigned an adjuster with TD Car insurance then they are most likely going to leave you high and dry. They will most definitely not pick up your calls, respond to your emails even if you really need to get in touch with them or get back to you anytime soon. Be prepared to pay more for car rentals as they will not investigate the issue timely. (Once the issue has been passed down to your leasing company, TD will do nothing for you even if the investigation hasn’t been completed. Not even cover car rentals. They also won’t give you an update or provide you with a status other then “we are investigating” - this for us has gone on for 4 weeks now). You can count on TD car insurance to make a bad situation even worse and mess with your mental and financial wellbeing. Definitely not worth being a client.

So, 2017 I was parking at my friends driveway which is on a curve and I ended up hitting the bumper of a rental Yaris on the curb. That caused damage on the plastic screws on the bumper and the rental company had to replace the whole thing. I called TD Insurance to ask them how it WOULD work if I use them to repair but I ended up using my Visa insurance because it would be cheaper for me. Anyway, after a while, I left TD Insurance to go for another company and now I was asking for a quote for a third party and they say I have an accident at fault on my record from 2017! These people put on the file that I was at fault for an accident?! I didn’t even use them at that time and my insurance quote is doubling because of that. Do not go with these guys, they’re useless and don’t care about customers.

After an accident, TD insurance was an absolute nightmare. My vehicle sat in the body shop parking lot for nearly two weeks before the body shop itself tracked me down to ask why my car was abandoned in their parking lot, and if I wanted to proceed with a quote for repairs. I had been told by my TD appraiser that it would be fixable, and completed within 9 days, only to get this call informing me there has been no action for more than 10 days from when I spoke to a TD rep. Another 8 days go by, and they inform me they are unable to fix the car. I had to cancel a road trip, and multiple business opportunities because of the rental they authorized me, despite driving a seven-seat vehicle. They told me that this was unfortunate but irrelevant. Their gross negligence cost me thousands of dollars in revenue and time. When I finally did receive an offer for my car, it was approximately half of what I expected. The report they gave me was for cars with similar year and mileage, but clearly, they took the average of the five cheapest, and likely poorly upkept vehicles as their reference. My car was in pristine condition, and I am unable to buy anything even remotely comparable.