TD Insurance Auto Insurance Reviews

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.

They take you out of your rental then string you along for a month with no follow-up, no returned calls, no returned emails, then they won't even negotiate from their significantly low ball offer!!!
DO NOT USE TD AUTO INSURANCE!!

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 am a TD client since 2013, recently my honda van got damaged in a recent hail in Calgary, Alberta. I filed the claim the next day, the advisor informed my car was a total loss, he was not too good with communication for a couple of weeks and then... he disappeared, for 2 months! I was calling their different numbers, sent hundreds of emails but got nothing for almost 60 days! I was only provided rental for only 1 week in this 2.5 months period of "no car". Eventually, someone got back to me to help and offered me $8500 for the van I bought in 2017 for $22,000! This vehicle was financed and I still have to pay $11,000 to the financial institution for this van. They aren't even giving any chance of negotiation. This is brutal and broke all my confidence in TD insurance... A big company with pathetic customer service.

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.

You are their valuable customer unless you have a claim. Then, they become your enemy.
I had two not-at-fault accidents (got full coverage), and they made my life crazy messy. Not a good scope for rental! This means there is no rental coverage in your critical moments! You have to find a mechanic shop yourself! Then, when you find one, they change their mind to not repairable. Immediately, you have to return the rental and wait a century for them to give you a cheap valuation. They send you an email at 3:59 PM, And when you reply, they will answer you NEXT WEEK with new requests! Please do not waste your tile, life, and money there!

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...