TD Insurance Auto Insurance Reviews

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.

I was involved in a hit & run accident resulting in my car being unfit for the road. I called the customer service line and was told that I would not hear back from a claims adjuster until Tuesday of next week (it's Friday morning). I was passed back and forth between four customer services representatives that were very RUDE and unknowledgeable. I was told that I would have to pay a $1000.00 deductible and would not be given a rental car as it was not in my policy. However, I called four days prior to adding accident forgiveness as well as the renal services. TD insurance will not provide a rental car and/or wave the deductible as stated in my policy because the policy did not begin for another 27 days? How does that even work? As soon as my vehicle is repaired, I will be cancelling my policy and going elsewhere.

Took them 3 months to settle 285 bucks for my missed work. Did not reimburse money that I spent from the clinic. The agent was always missing in action. If this review has zero stars, I will put it instead of one. This insurance will only leave you stressed and frustrated. Stay away. And oh, my rental car was not even 3 weeks. This insurance sucks. Do not get this

Had tires slashed. They didn’t provide me with a rental, which I’m supposed to get and didn’t pay to fix my vehicles. After a month with no vehicles, I paid for it myself. The adjuster was nasty. Do not buy this 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.

I called TD insurance to get a quote for my second car I am going to lease. I have my home and auto insurance with TD. The guy, Jamie couldn't help me at all. Instead of asking my insurance policy number he asked lots of questions which I have no idea what the reason was for. They couldn't give me the quote. I am about to lose the deal on leasing car since I have to compare 3 cars together and I will definitely switch to another company.

I'd like to start by saying in order to get a 1* rating by me, you'd have to be unprofessional, arrogant, complacent & willing to outright lie to your customer. TD Insurance covers all of those basis.

In May of 2016, I was a victim of a wildfire in Fort McMurray, that sadly took my home away & everything I've ever worked hard for. Surprisingly, my car was still standing on the road that I abandoned it on because of police ordering everyone to run on foot, even though everything around it burned.

Dealing with TD since has been NOTHING short of a nightmare after another nightmare.

There was a misunderstanding in my policy (me thinking I was protected because I was paying for some sort of 1-million dollar coverage) & also a Gold Premium Package. It all sounds reassuring & fancy until you actually need it & it's NOT the kind of coverage you think you're paying for.

I was given 1/3rd of what I owned & had an experience over the phone with one of their associates not realizing he didn't hang up on his end, & all I could hear was him belittling myself & my mother with another co-worker in the background. I had vice presidents & a senior manager call to "apologize" but that's all for show, they don't mean it & don't let them fool you into thinking they do.

Moving on from my Tenants Policy, now begins my Auto Mobile claim...

The associate I was dealing with about my car was calling everyday to give me an update about my vehicle - which was always the same, that it was still waiting to go into the shop but it was in a secured lot & he couldn't get in touch with them to find out more details - until about a week & a half ago when he stopped calling. I'd also like to mention that he asked ME to make phone calls for HIM because he was "extremely busy & wasn't sure when he'd be available to work on my claim." He also mentioned that he & his manager would be working on extending our rental due to the circumstance of the wildfire & the long wait for repair shops. This was all talked about around June 15-20th, somewhere in between that time frame.

Just yesterday, July the 3rd, I answered the phone to the company who TD Insurance rented a vehicle for me was calling to tell me that TD stopped paying since the 23rd of June & that I would have to start paying out of my pocket if I wished to keep it longer. I told them my Insurance extended the policy, but they said no phone call was made to them.

And so then I called TD Insurance, July 2nd, to find out what was going on.

The associate working on my claim explained to me that he was still working with his manager on extending the rental & hasn't gotten an answer back yet. And that he "assumed MY car was taken care of in the shop because myself or the autobody shop didn't call him with updates," so he stopped working on it.

I asked to speak with his manager at this point. He told me his manager would try & call me back. I waited 2 hours, no call from him, so I called again. Finally I got the manager on the phone & of course he was arrogant. He wanted to argue with me, not help me, & when told his associate was to blame, he kept repeating, "I fail to see how my associate is to blame. How is this his fault?"

I also have a voice mail of the associate apologizing for his mistake, that he should have been on top of it but wasn't & that he would work on getting the rental extended with the help of his manager. The manager also told me that they weren't going to extend it to help us out. Neither of them had plans to call & tell me this, or else I would have returned the rental when it was due to go back so that I wouldn't have another expense.

...

They'll treat you with arrogance & talk to you like you're stupid when they make mistakes & won't own up for it.

They put crooks in place of managers on purpose to deal with us paying customers, so that finally we will just give up & say it's not worth it anymore.

You'll pay them money for a service that they'll try & pass off onto you.

And you'll hear constant apologies about mistakes they've made because they decided to take their time with your claims.

STAY AWAY... and if you decide to still go through with getting insurance through TD, record every conversation you have with them & let them know that you're doing it so that it's legal. Ask a million questions until you thoroughly understand your policy - & make sure that person doesn't use words like, "I think so," or, "I'm pretty sure," because that's when you know they don't know what they're selling you.

Be smarter than these crooks.