TD Insurance Auto Insurance Reviews

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.

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.