TD Insurance Auto Insurance Reviews

I've been with TD Insurance (underwritten by Primmum) for almost 4 years, since moving to Alberta.

Initially, I got a great and affordable quote, but each successive year, with no tickets or accidents of any kind, I see my rates increase by increments of hundreds of dollars.

I called them to make some minor changes to my insurance a few weeks back, changing it from commercial to personal use, and notified them of an increase in kilometers driven to/from work. I was expecting to see my rate reduced by quite a bit due to changing to personal/commuter use, but the rep told me I wouldn't save much, and that he could add accident forgiveness to my policy and it would "break even". Well, next thing you know, my rates have increased by yet another 15%, making my annual insurance premiums DOUBLE what they were just 4 years ago - and again, no tickets, suspensions, accidents, nothing. Perfectly clean driving record.

So I jumped ship. Found another reputable insurer that quoted me less than TD originally did when I first signed up with them 4 years ago, which will save me about $700 this year.

Moral of the story: There are way more affordable insurers out there.

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.

With the COVID I understand that I will have to wait. But after calling every day, waiting on hold for hours each time, I am yet to get a person on the other side. I need to cancel my auto insurance, as I had to return my car. I’ve already had an NSF on my bank account, and don’t need another! ANSWER YOUR CUSTOMER SUPPORT LINES!

I've been with TD (Meloche-Monnex) for years. Two years ago I had a claim and I was treated terrifically. Unfortunately, the service with TD has gone down terribly since that time. I've decided to cancel because of the price and service. Yesterday I spent nearly four hours on hold and even used the call back service only to be put on hold for another hour. Today I called at opening 9:00 and have been on hold for over an hour. I would NOT recommend TD insurance!

I have only been a TD customer for a few years with a clean record. Last year (2015) I had a claim after an animal hit and this year my husband had a accident and wrote off his car. The claim and payout was fairly quick but then they refused to insure the replacement car. Its a 2011 crown vic - former police car. I have been fighting with them for 4 days over this and today got told to look around for another insurance company just in case as there is no guarantee they will insure it even after jumping through all their hoops.

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).