TD Insurance Auto Insurance Reviews

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.

I would highly recommend DO NOT go to shop of TD auto centre. I have had a bad experience with one on the west end of Edmonton. The adjuster is relatively new and made mistake on every step of my claim. The customer service is not as good as compared to other TD standards. Everyone talks the same language, insurance adjuster and autobody shop guys. This way your words are against theirs and that way they are not accountable. Insurance and autobody shop are always in the agreement or, at least, in my case, it seemed like they had already decided from before that once the vehicle is ready we will not fix what is left or missed. It felt like as autobody had no say as they are preferred partner and moreover insurance pretty much dictates what should be done.

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.

I had a claim last year, someone hit my rear bumper and I called insurance for reporting the accident, it took me an hour to lift my call and it's my first accident, I am not much aware. I ended up calling so many times and every time I call I had to wait for minimum 1 and a half hour to know next step and after so many follow-ups it took more than 1 month to fix and the guys on customer service are so rude. Literally, service sucks and this is a very small one, there are so many other reasons. In the future, I would prefer to rent a car or drive without insurance rather than having TD Insurance. I wish to select 0 stars.

Fair warning here, always go to your dealer or a reputable auto shop when getting car repairs covered by TD Insurance. Not only is their shop extremely inefficient (had my car for 8 days for a minor repair) but they actually replaced my broken passenger mirror with a great used AND FAULTY PART! Forced me to waste more time to go get it checked out at my dealer and while the dealer could have fixed it in 10 minutes, TD made me go back to their crappy shop to get the part replaced. That’s three separate appointments, 9 days and counting and the repair still isn’t complete. Cheap used, broken parts, poorly installed and far too much time wasted.

I had a minor accident in late January and by the end of April, I’ve revived 1 email stating my claim was being processed a week after my vehicle was already in the body shop. The parts used to repair my one-year-old truck were not factory parts from the manufacturer. Third party aftermarket parts were used and do not match the original build quality. My adjuster also has been absent the entire process and does not respond to email or voice message. Any time I need answers I have to wait on hold for over an hour, explain the entire experience, transfer to another department and repeat. I made the switch from Intact and it was a huge mistake. Stay with Intact if you’re currently with them.

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.