TD Insurance Auto Insurance Reviews

My vehicle was involved in a car vs. pole collision in August. I was woken up in the middle of the night and given this news by police, my partner decided to take my car without asking and fell asleep behind the wheel, totaling my brand-new SUV. I filed a claim within the hour, police file #included. The next day I was contacted by a man who told me I should know in 7-10 business days if they're going to approve the claim. 13 days later I was notified the claim would be approved and had a rental set up while waiting for them to confirm a total loss. 13 days later the rental company tells me insurance was pulling coverage the next business days, which I thought meant they deemed it a loss, I sent TD the bill of sale as I have the depreciation clause, and they requested it the week prior. An hour after sending it in, I was contacted by another rep from TD and told she was special investigations. She made me answer all the same questions again. Multiple times. Questioned my story about being asleep when police arrived and accused me of giving the keys to my boyfriend, tried to say he lives with me as an uninsured driver, then tried to say he was drunk. She tried to say there was no police report in the file, contrary to the prior rep who had the file in front of him in our last call. When I asked how long she would take to do her investigation, she stated it would take as long as it takes for her to be satisfied. I faxed her every document she requested beginning of September, then crickets. She did not return my voicemails or emails for over a month. Last week I had enough and emailed again, my displeasure was quite obvious, I threatened a lawyer if she continued to ignore me. Like magic, 45 minutes later, she calls me. Tells me she has confirmed my story as truthful, and I'll be getting the claim settled... That I would hear from someone on the meritorious team within the next couple of days... 9 days later, and I have yet to have any more contact. All while I'm still paying for my 2024 SUV that I haven't had in 14 weeks as well as paying insurance on it... And paying out of pocket for a rental… My initial 7-10 business days for a decision is currently 14 weeks and counting. Do yourself a favor and avoid this company at all costs.

Customer support is non-existent. Changed card for auto-renewal and paid bill. A month later policy is cancelled with no notification or communication from TD insurance then they scammed money out of partner to fix the issue of which they still didn’t. Now our rates will be up 3000$ if it’s not fixed.

Terrible people, terrible customer support.

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

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.

Today, i called to TD insurance to change my car insurance policy and the guy put me on hold from 1 hour and right now I’m writing this review while I’m waiting to connect with the customer care support. Thank you for realizing me that i choose wrong insurance company policy.

I was rear-ended at a red light (no fault) and TD INSURANCE HAS GHOSTED ME. I now have NO CAR, NO RENTAL, NO MONEY, and I am injured. It has been a MONTH since the accident.

After the accident, TD provided a rental car. Policy says $5000 in rental car expenses. They then took 3 weeks to get back to me to tell me that the car was written off. I was offered an insultingly low amount to replace my vehicle (which was completely paid off). I will have to pay out $5000 from my hard-earned savings to get anything close to reliable. I am a paramedic and need reliable transport to/from work in the worst weather conditions with highway driving.
After offering me the insulting claim amount, they gave me 2 DAYS to shop for, buy, insure, and license a new vehicle. They then TOOK MY RENTAL (after less than half of the $5000 amount had been used) and GHOSTED ME. COMPLETELY GHOSTED.
I have gotten NO MONEY AT ALL from TD, and have not been able to get a hold of the adjuster or a manager in over 7 business days (despite multiple calls and emails). I think they have blocked my phone number, or are screening my calls.
I have placed a deposit on a new vehicle, however cannot go pick it up until I pay for it. I cannot pay for it until I receive the claim amount from TD. I am stuck with NO CAR, NO RENTAL, NO MONEY, and NO CONTACT from TD.
Oh and also - when I called the mechanic to go pick up the license plate from the car (the DAY AFTER they told me it would be written off), I was told that TD had already had my car towed to the junkyard A WEEK AGO WITH THE LICENSE PLATE ON IT. So they towed my car to the junkyard a week before they even told me it would be written off, and now I have to pay for and use my time to go get a new license plate.
IS THIS EVEN LEGAL?
HEY TD - CALL ME BACK!!!!!!!!!!
My entire family has been insured with TD (4 cars and 2 houses) for 30 years. Never a claim. And this is how we are treated.

This has been my first and only collision in my lifetime and it has been an absolute nightmare nearly the entire way through. I started the claim January 16, 2024. And the first week I was unable to get either a tow or rental car leaving me taking the bus that nearly took me 3 hours to get home on -35 days. Then finally got this claim settled out and am supposed to be paid out as this accident was at absolutely no fault of my own. Then I’m still waiting on money and had to turn in my rental on Saturday while the person I care for was in the hospital and has further crucial health appointments I need to take him too and have no money to get a new vehicle, no rental, no money for cab, unable to take the bus due to his circumstances! For an incident that I had no control of at all and the other individual on the side of this case has absolutely no effect to her, none. Just consequences on the side of the innocent party …. Other person only has a dent on company vehicle. Has a whole other personal vehicle no effect to her livelihood whatsoever. Still waiting on payout to be able to so much as search for a new vehicle.

I was in an accident, found to be the other drivers fault. Four days latter the adjuster showed up to view my Vehicle. at this point i thought things are moving smoothly then a month passed and then another... after waiting on hold for hours leaving multiple messages and e mails i received an offer (low) I had to find local adds to prove replacement value. after an additional month after countless calls, waiting on hold and e mails i finally received a reasonable offer. I inquired about buy back and they stated 35% of pay out... I asked for a copy of their policy stating this and wouldn't you know they don't have it on a document. Dealing with your insurance company should not be like dealing with a greasy used car salesmen. After all is said and done i feel like i need to take a shower and find another insurance company fast . My advise is RUN FAST don't let the big bank name fool you. Terrible!