TD Insurance Auto Insurance Reviews

I've been with TD auto insurance for 20+ years and had a 'minor accident' (their words) more than 4 years ago. Today I got a letter saying my insurance policy will not be renewed because they just pulled up my file now. After calling the company, they refused to reason with me and kept saying there was nothing they could do. I've been paying them 500 dollars a month for two cars and I was still loyal to this company. Worst mistake I've ever made. Should have listened to friends and family when they told me to switch companies. Horrible treatment of customers, does not value loyalty, and company policies are ridiculous.

Having had my auto insurance jump 29.3% I thought that I'd ask why. I did not get an honest or accurate answer. I was told that it was "probably" because my policy was bundled with other peoples policies (a form of "group" insurance) that have had substantial claims. I also asked FSCO (Financial Services Commission of Ontario) to look into the matter and they couldn't even get an answer. Bottom line: According to TD, the government has apparently allowed them to raise my rates without cause or justification (at least not explainable to me or FSCO). I would have been a lot happier if they were at least truthful with the matter. As such I'm looking elsewhere. And don't get me started with their home insurance either (that one I'm cancelling). Otherwise, their rates aren't astronomical nor cheap - about average plus in my opinion. So much for good treatment and honesty after being on the same policy for over 20 years (even with a clean license and no claims in the last 15+ years).

I have been with this company for several years with no accidents. Then 1 had 3 accidents in 2013 - 1 was a minor one that was my fault; absolutely no damage to my vehicle and only scratches to other vehicle; the second accident happened in a gas station parking lot where it was clearly the other driver's fault as he was not paying attention; he tried to get me to not go through insurance and to go to his cousin's mechanic which looked shady (I checked it out) so I did not do. This ended up in a 'he said she said scenario' and they put it at my fault. The 3rd incident occurred as I was driving to North Bay and just around Deep River a driver driving the other way started to come over the centre and at 100 km an hour was coming head on to me, I had to swerve to avoid the car and ended up in the ditch with damage. There were 2 witnesses that this car almost hit as well and a police report (we all agreed it appeared the driver fell asleep at the wheel). The insurance company deemed it my fault because the driver kept going. Then they dropped me. After 10+ years without anything on my file. Shame on them!

I have fired TD twice. Both times were due to low rates coming in ad then them jacking rates way up on renewal. This last time they raised my homeowners 57% with no claims ever on anything, they also raised my auto 22%. Two cars, home and two snowmobiles insured with this company. I got an online quote posing as a new customer for all my property at 3% less than my renewal. The agent was unable to provide any reason for the rate hikes and gave convoluted answers. I switched again this year and saved $1700.00 by not accepting their renewal. I will however get them to quote me again the future. Last time I fired them the reason I returned was due to the rates, they actually insured me for less than any others at that time but pulled what seems to be their standard MO of jacking rates on renewals. I have 35 years of driving, no accidents or tickets in over 25 years and not one home owners claim ever. I am an insurers best customer, but was treated like an idiot.