TD Insurance Auto Insurance Reviews

They are not reliable nor responsible. Don't expect any respect. They don't answer their phone and emails. They don't care about customers at all. When you need their support after paying lots of money monthly, they just leave you alone.

I am a TD client since 2013, recently my honda van got damaged in a recent hail in Calgary, Alberta. I filed the claim the next day, the advisor informed my car was a total loss, he was not too good with communication for a couple of weeks and then... he disappeared, for 2 months! I was calling their different numbers, sent hundreds of emails but got nothing for almost 60 days! I was only provided rental for only 1 week in this 2.5 months period of "no car". Eventually, someone got back to me to help and offered me $8500 for the van I bought in 2017 for $22,000! This vehicle was financed and I still have to pay $11,000 to the financial institution for this van. They aren't even giving any chance of negotiation. This is brutal and broke all my confidence in TD insurance... A big company with pathetic customer service.

They don't have office in any other province other than Ontario... They claim to have one in Ontario which could be false as well. Everything is easy till you have a claim. Once the claim is filed, the assessor is hard to reach. Your calls would only end up in their voicemail. I had a claim and tried reaching out my assessor almost 50 times. You can't meet them in person. The wait times on these calls are usually over 90 min. I am under 25... so they charged high rates for insurance which is understandable since that is the process by all the other insurance companies. I wish I was in BC or Sask where insurance is given by government organizations.. TD auto insurance is a big scam.

Trying to reach my claim advisor and he is not picking my call even though they are not responding my email as well.

I never seen services like this before.

Hard to deal with the long wait times on hold and being left on hold for hours until the phone goes off after three hours.
They ask too many questions. Once at the dealership buying a new car they asked me a bunch of questions like address, birthdate, services I had with them, then what Alumni I was associated with. Well I didn't understand he was asking what University I had gone to. So he wasn't going to give me insurance until the car dealer talked to him. I was quite furious over it at the time.
I find over half the people I eventually get on the phone cannot do their jobs properly and take forever, They insist you listen to long winded statements and give or deny approval. Then insist to go over your policy again and see if you want to change it and even if you say leave it I am in a hurry they say they have to go over it anyways.
I'm done with this place after my car insurance runs out and going with an independent broker for the rest of my life.

Got rear ended and had to open a claim. The guy I talked to said I was going to receive a follow up call the next day but never did. So now I can’t get a hold of my advisor or anyone in there company. Moral of the story don’t get this scam insurance.

They don’t answer your call and want to do everything by apps! When you can’t do everything with the app then you are lost! Don’t deal with these people!

My adjusters were useless. When our stolen vehicle was stolen and recovered it took adjuster all to find out where vehicle was.
There was no customer service. The adjuster did not know his job and did not care. I called and emailed every day for five days to get an update there was never a response. Had to escalate my call to a manager.

We have been loyal TD Meloche Monnex customers for over 25 years with zero accidents or auto claims. We never needed to use our insurance coverage until we were rear ended through no fault of our own on 3/20/2024. The way our claim was handled by TD Insurance was unethical and extremely frustrating. Our main complaints are:

- TOTAL LOSS - TD declared the vehicle a complete loss on 3/27 based on an estimate that was only 62% of the value of comparable replacement vehicles. I had to spend countless hours to convince them that they needed to re-assess this. Eventually, they did a vehicle tear down and found the extent of damages was supposedly equivalent to 100% of the value of comparable replacement vehicles and declared it a complete loss again on 4/15.
- LOW BALLING - We received completely bogus valuations on 4/2, 4/4, 4/8 and 4/10. Finally, we received a valuation on 4/17 which was 95% the value of comparable replacement vehicles and was an increase of $4600 or 20% higher than their first valuation. We finally agreed with this value so we could move forward with the settlement.
- RENTAL CAR SHENANIGANS - On 3/20, TD told us we didn't qualify for a rental car because we had removed the Grand Touring solution from our policy a few months prior. Because it was a no-fault accident, we did qualify for a rental car. Still, TD tried to tell me it would be up to 2 years to determine who was at fault because the accident occurred in BC while we were insured in AB. The RCMP declared it not our fault the same day, 3/20. It still took TD 3 days of calls before they arranged the rental car for us. Then they kept trying to take the rental car away with each bogus settlement they offered. I'm still fighting with them to reimburse me for rental car expenses from 4/17 to 4/22 more than 2 months after the accident.
- FEAR TACTICS - My son was driving the car when we were rear ended, and TD tried to insinuate repeatedly that we weren't covered at all because he wasn't on the policy. This is untrue, as he had a learner's permit and was covered through our insurance until he receives his Class 5 license.

The only positive was that they handled our medical claim fairly, and we received good medical coverage for 3 months after the accident.

RECOMMENDATION: Never accept the first few offers from your insurance company as they will always low ball you. Spend the time to research what the car and upgrades are really worth (depreciated) so that you can get a fair amount. Don't let them bully and scare you.

I had auto insurance with them since June 2022, in December my credit card has not got deducted for insurance amount which I have set on Auto pay. Hence, I haven't even bothered to check the statement.
In April 2023 I receive a letter from TD Bank of non-payment since December. I immediately called them and the customer care is like it's your fault, though I was having sufficient balance in my account.
In response to my statement, they said you have to get a letter from your bank that why payment has not been made.
Being a customer of them, Firstly they have informed me after 4 months with a letter, no email, nothing. Secondly, I being in a job seldom find time to run to banks to get clearance letter from bank to satisfy TD insurance that it wasn't my fault. What a customer service.
Now they had me red flagged for non-payment, stopping me to get insurance from other bank. I don't think TD insurance is good at customer service, but they are good at harassment.
I will never get back to TD Bank or insurance