TD Insurance Auto Insurance Reviews

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.

I have multiple vehicles and a house insured with TD insurance and have been with them for many years but every single time I need to reach them I have to wait on hold for at least 2 hours and since COVID-19, at least 4-5 hours!!! My son just got his first car and had to wait 5 hours three months ago. As I type this review, I’ve been waiting for 4 hours because I am trading in one of our cars for another car and need to advise TD. This is absolutely unacceptable. Why do other companies offer a call-back solution instead of holding their customers on the line for hours and hours? The rest is good once you speak to someone but the waiting is terribly draining and very disappointing!

They didn't return calls until I left a message that I was calling a lawyer. No, I have been sent to another claim agent left message to guess what no return.

My adjuster was extremely uninformed in traffic laws, uninterested in my side of things, EXTREMELY rude, horrible attitude, no communications until I got a hold of her supervisor multiple times, and when she returned my call finally, I swear her attitude was intolerable. My health benefit adjuster failed to communicate or return my emails for WEEKS on end, to let me know how to proceed for reimbursement claims. I would NOT recommend them. Extremely unprofessional and uninformed employees.

I am happy I was able to find this site which explains a lot about TD Insurance. So I created a claim five days ago. The adjuster never answers my phone calls and now I understand that this is standard practice for TD Insurance. As I understand it will be wasting time trying to contact TD so I am going to file a claim to "General Insurance OmbudService". Let's see if it works or not

Paid them for almost 12 years and 1 of my payments bounced because money got transferred to my savings automatically, they basically told me to get lost and now I need to find new insurance, they didn’t even let me argue my case to stay on monthly payments so, yea thats how much you’ll matter to them.
In all that time, I also had one small claim from a fender bender and my insurance stayed expensive the whole time.
Your just a number attached to a payment.

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.

Premiums only increase despite not having tickets or claims. I was forced to reduce coverage in order to afford $. There had also been items on my policy that I never approved or knew of.
Service is non-existent. They do not make you feel heard, acknowledge the complaint, express empathy or help. To speak to a supervisor they request for you to receive a callback, which you never receive.
Despite having my card on file and me authorizing payments my policy was almost cancelled due to non-payment. I spent 15 hours/4 calls trying to reach them & sent online messages.
2021 I was charged for updating my mailing address but not told until months later. I was told my premium was a certain $, but an agent 2 calls later told me it was actually less $. I owe them money, somehow, despite them charging my card.
There is a lack of transparency, you have withheld info or told incorrect info, impossible to actually accomplish anything, TD is crooked!