TD Insurance Auto Insurance Reviews

They send you to a cheap repair shop and will not let you go to the dealers. They will charge you more and they will not tell you how much more. They are so hard to deal with. I will not stay with them

Do not give your hard-earned money to these people, they are horrible!!! I bought a brand new truck in 2019, it doesn't even have 20000kms yet. I was in an MVC that was no fault of mine, the frame is bent as listed on their quote for repairs. I was told by their adjuster that he will just cut that piece of the frame out and fix it!!! The cab is now deemed unsafe according to the auto standards, they told me they will just cut out that part of the cab and put a new piece in!! They are trying to return my vehicle to me with $30000 damages in OEM parts. They are attempting to put aftermarket parts on my brand new truck and return it to me BLACKLISTED and with no trade-in value!!! My brand new truck! This is how they treat their customers!!! Do not go here! I urge you!! Crooks! It has taken them a month to even get a proper estimate on the repairs! They drag out their claims in hopes you will just roll over for their crooked quotes!

I am extremely disappointed and sad with the level of service that I received. I had a missing part from my bumper and was promised will be installed ASAP but I received a letter from TD insurance stating my auto repair has been and completed. The case is now closed.

They will only fix parts of your vehicle they want to and not all the issues that were affected by the accident. Then tell you that area was not caused by the accident and won't fix it. I messaged them about it over a year ago they kept saying they will get back to me then they just say no were not fixing it because it is rusted so it wasn't caused by the accident. It is rusted because it's been a year I'm waiting!

Someone had a side collision with my 2013 Acura MDX, admitted to being at fault. TD promised to fix the car because I am on a comprehensive insurance package. Took the SUV to the auto-shop, and they started demanding I must pay $5000 for the damage unrelated to the accident. All pieces of evidence show that the "altered quarter panel" is a result of the current impact of the collision.
Looking for an auto insurance company? Kindly remove TD insurance from your list.

I tried to call them, the system put me on hold for 20 min and then dropped the line. It happened 2 times. I greatly regret that I brought my lightly damaged luxury car to TD Insurance claim centre. They said that they will assess the damage on-site, instead, they just confiscated my car! They sold my car to somebody shop in Burlington and offered compensation to me that was not matching the car value. The process was slow, took about 3 weeks to negotiate compensation with them and another couple of weeks to get the money.

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...

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.

Run away from TD insurance. I was hit by another car while sitting at a light. Damage was minor (needed a new bumper) but I really should have taken the other driver's advice and just had them pay for it. I thought that going through TD insurance would lessen my hassles but this is where they began. I tried to get through to the claims department, which took more than an hour on hold, and then had my claims adjuster go on vacation with no one taking over. I had to cancel the autobody appointment and have not been able to get in touch with the claims department again (apparently they are always experiencing a 'high volume' of calls whenever I call). When I call to pretend I am buying insurance, I get someone right away but when they take my info and say they will call back with offers to help with my claim I do not receive a call in return. On top of this, they increased my rates! In short, TD appears to have put considerable resources into taking its customers' money (I guess this is where my rate increase is going) but little into doing the service customers are paying for. If you have infinite patience, enjoy being on hold and dealing with people who cannot help you, choose TD. If you want insurance, choose anyone else.