TD Insurance Auto Insurance Reviews

After my credit card was stolen and the number changed, I tried to update it online on multiple occasions, and it wasn't being updated for pre-authorized payments. I contacted TD insurance multiple times to resolve the issue so that I won't accidentally miss payments. Once I thought the issue was resolved, turned out my payment information wasn't updated and I missed two payments and my insurance was canceled for non-payment. I haven't received any notice of cancelation to my email or phone, nor I was notified about missed payments. Contacting TD insurance produced no results and no I am facing the consequences.

So I canceled my insurance as my vehicle was in a accident in 2023 I had a letter from td insurance telling me I was getting a refund issued back to my card of 1900 and received a check for 630. I call and the agent tells me there must have been a mistake on the letter now this is a insurance company and claiming they had made a error and refused to tell me what's going to happen to the 1200 the letter told me about. The claim process was nice but over all not the type of experience that a customer should receive.

I had been with TD home and Auto insurance for two years. I went on vacation and didn't realize my home insurance payment didn't clear. Instead of contacting me, I get home from vacation with a letter saying I had to pay out $3600 or my home insurance was cancelled. I paid the $3600. Then one month before my insurance was to renew. They took a payment out of my account. My payments before they made me payout were $325, the new payment they took was $390. Not telling me they upped my insurance. They told me I would get a refund, I advised them I didn't need a refund because it bounced as I didn't know they were going to take a payment. I cancelled the policy. They took a payment of 390 out again 4 days later. I then cancelled my home insurance & car insurance. It took 7days to get my refund for my home insurance. Then I needed a premium paid letter, to prove I didn't owe anything to TD. They told me I would not receive the premium paid letter for 10 business days. They refused to email the premium paid letter to the new insurance company or myself. So I can not get insurance for 10 business days. This is why I left this company. You are just a dollar sign or a number to TD, and they do not care about you. I would use TD as last resort. Dealing with TD has been a nightmare!

Had my ATV insured through them. Sold the ATV but didn't bother to call as I figured it would just run out at the end of the term and/or they would contact me to discus. About six months later I recieved a call, text, email and letter from a collections company saying I owed them $75. Had that paid same day. Why didn't TD just call, email, text or mail to save us all the headache. Seems like a shady practice. Beware.

My 82-year-old mom and I have been waiting on the phone for countless hours for several days to try to cancel her car insurance (she no longer wants to drive). It's impossible to get through to anyone (the phone just hangs up after hours of waiting!) There is something wrong with a company that doesn't hire the right amount of staff - completely short-sighted! It is so disrespectful toward the customer and a complete disregard for our valuable time. Does the policy automatically renew and there is no way to cancel? This doesn't seem right!!! TD = Total Disaster!

As a policyholder for a year, I've had nonstop issues with them. Insanely long wait-times aside, I've experienced countless billing issues on their end that I've always had to call in and correct (ie. double billing me 2 months in a row), representatives in their call center who exert almost zero effort to help actually solve the problem at hand, and worse - they make countless mistakes and do not take accountability for any of them. They are supposed to keep notes on your account. The most recent example of their sloppiness is when I called in to point out a billing error that they thankfully fixed during the call. At the end of the call, I inquired about when my policy was renewing, to which the representative replied 'end of the month'. I called in a few days later to cancel my policy after finding out that I have been grossly overpaying after CAA gave me a quote, and the woman on the line states that my policy 'just renewed the previous day' and as a result, I would now be responsible for a $600 cancellation fee. Because the other TD representative was so lazy as to verify my renewal date (and was so lazy that he didn't even make any notes on my account during my call with him). I am now stuck with this awful company for another whole year. I'm almost tempted to pay up the $600 just to be free from their awful service. Word to the wise: save yourself constant headaches + overpayment and avoid TD auto insurance like the plague.

By the time I’d had enough of this company and decided to cancel my insurance it then took 12 hours of my time sitting on hold and waiting on chats to have the cancellation completed. I spoke with three people over the course of three weeks and finally had to “pitch a fit” to get it cancelled. Now it’s been 5 weeks waiting on a refund check. So today two hours waiting on chat (after another hour and a half yesterday when my computer went to sleep) to find out that they say a “minimum of 4-6 weeks to get a refund. I asked how they would feel if it took their clients 4-6 weeks to make their payments. This company has no business selling insurance. There is ZERO customer service!!!

I had TD auto and home insurance for years. Never had a problem until recently. Tried to add a second car, it was too expensive so we cancelled and moved our insurance. I cancelled at the end of July. We are owed over $500 and we are still waiting on the repayment! I've called several times about it and was told it was scheduled for repayment Oct. 1. It still isn't in my account. Trying to get through to any customer service representative takes hours! I was literally on hold for over 2 hours before I got through to anyone and that was after multiple phone calls of being on hold for over half an hour, spending lunch breaks on hold etc. A total of 4hours on hold just to cancel and then more trying to find out where my repayment is. Don't go with TD insurance! I've banked with TD since I was 16 and I'm going to switch all my accounts out of TD. It is ridiculous.

I have been trying to reach them from day ONE! I bought the insurance 2 months ago and wanted to create a login account to see my insurance details and now want to change the payment information (as I had used my US credit card to make the first payment and now I got my Canada credit card and wanted to put it on file) but not able to reach them through the phone. Everyday waited for around 1 to 2 hours on hold and was never able to connect to a single person. Escalated multiple times through the email ID they have provided, I think both are FAKE email IDs as all I ever get is system generated auto-replies. I MOVED FROM the US to CANADA and I can 100% state that this INSURANCE company is total FRAUD & SCAMMERS and it is nowhere near to an average US Auto Insurance company. An average US auto company provides 100 times better service than these SCAMMERS!!! STAY AWAY FROM THESE PEOPLE. Now I am planning to discontinue their service but not sure how to do it as you cannot reach anyone on the call. FEELING HELPLESS.

Thankfully we haven't had to make any claims, god knows how long we'd have to wait for that!

Trying to cancel policy for one of our cars. I've been on the live chat queue for 35 minutes and moved 4 spaces. I've been on the phone for over an hour at this point and have yet to reach someone. It takes about 4 minutes just to get into a queue as the automated script won't shut up.

TD may be a bit cheaper than other insurers, but that's probably because you can never actually speak to anyone without going insane first.