TD Insurance Auto Insurance Reviews

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.