TD Insurance Auto Insurance Reviews

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.

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 paid my premiums on time every month for years. When I had to make a small claim it turned into a nightmare very fast. It start with taking 4 days to get a hold of my adjuster just to be passed to someone else who also never picked up his phone. After a week I finally had my vehicle in the garage. The adjuster needed to go to the shop to approve additional work. Which took him 1 day to go out. To top it all off, I phoned to get a rental car and they said I did not have coverage. I'm pretty sure having a brand new car I won want rental car coverage and all the bell and whistles. It seems that when I switched from my older vehicle to my new one someone forgot to add their grand tourism (or whatever) package. So, no rental and a vehicle that has been out of use for a week because td people do not answer the phone or return calls. I recently switch to sharp insurance and never have been happier. I got a lower rate and they have super short wait times to talk to people and a smartphone app that is handy. Beware of td

I have been insured with the company for 14 years and got into an accident 3 weeks ago where I knew my car would be written off. The accident happened Friday evening so I called Saturday before noon to declare the accident. I spent a good 30 minutes on the phone with the lady taking my statement and telling me to go get a rental car they were going to pay for. She said once I talked with my adjuster (which was suppose to call me at the beginning of the next week) I would either keep the rental until the settlement if I was covered for a rental and if not that I would simply return it but they would still pay for the time I had the rental. After not hearing from the adjuster for almost a week I called for him to ask me why I had waited a week to de claret the accident.????? I had to push to get things moving and they didn't even bother telling me the settlement (which they did with the lender) 3 weeks later. Now they are refusing to pay for the rental car I've had for a week ($216) which I would have never got if they had not told me to and asoured me they were paying and they tell me that they have no ecru of me calling to declare the accident so are basically accusing me of lying???? Half the people I talked to were nice and the other half was really rude!!! I would rather pay double with another company than to deal with them or give them another penny.