TD Insurance Auto Insurance Reviews

It has been so impossible to contact my TD Ins., I have had to cancel my insurance policy via snail mail ($11.35 Canada Post). I received a notice on Oct. 27th that this was done, and that I would be receiving a refund. Instead of a refund, they debited my account for the amount of the reimbursement. I have sent another registered letter ($11.35 Canada Post) to get the money back they took, to obtain my policy cancellation refund and to pay the postage costs I endured. To debit someone's account without authorization is illegal. The fact that this is done by a bank is worrisome. The letter was posted on Nov. 6th, I await a response.

I've been a long time customer of Meloche Monnex... Well, now they call it TD Direct Insurance. It has really gone downhill over the years. You used to be able to phone in and reach an agent pretty quickly. But sadly in the last 2 to 3 years, things have become horrible. The website to do so-called self-service is a joke (free-form text you type in... and wait for an answer?). And I've waited 45 minutes on hold, I've waited 25 minutes, I've waited an hour and given up. How can one plan to make a change if you don't know if you need 20 minutes, 30 minutes, 50 minutes, 1 hour on hold, then a further 30 to 40 minutes talking to the agent? Just sad how low on staff they are now. Planning a change.

My 82-year-old mom and I have been waiting on the phone for countless hours for several days to try to cancel her car insurance (she no longer wants to drive). It's impossible to get through to anyone (the phone just hangs up after hours of waiting!) There is something wrong with a company that doesn't hire the right amount of staff - completely short-sighted! It is so disrespectful toward the customer and a complete disregard for our valuable time. Does the policy automatically renew and there is no way to cancel? This doesn't seem right!!! TD = Total Disaster!

I was with TD auto insurance for over 7 years in both Quebec and Ontario (Gatineau/Ottawa). The wait-times on phone to make any changes or add any services takes forever. Also, I found from a friend that I am paying an exceptionally high premium of over $1000 more per year compared to other insurance providers when my car and house combined.

TD Insurance is just a huge scam, PLEASE FINISH READING MY REAL PERSONAL STORY AS A NEW CUSTOMER, IT WILL 100% HELP YOU CHOOSE TO GO WITH THEM OR NOT. The only difference between it and a black shop on the street is they are bigger and have a longer wait time for you to get fed up and bare with the scam by force. Ever since I opened an account with TD Insurance as a customer, which I joined with my wife who has existing accounts with a car and home, I have to call three times and wait for 1.5hours each time to let their supervisor apply my deserved discounts that should be applied without calling, then after getting a mere 15% discount, then my wife begin to get letters from them every single month, simply with the title 'Change on your premiums' without telling us any details whatsoever in the letters, her premium before I even joined was around $1800, then after we called it applied a discount to $1500, we thought it finally over, then out of nowhere, she got the following letter a second month in notifying her new annual premium changed to little over $2000 all the sudden without us doing anything! Or being told by anything! What their customer service tells you or? I ended up losing more than what they promised to discount for. I'm regretting so much to switch from to TD.

Don't buy insurance here. No one answers the phone. 1 hour and 15 minutes and still no one answering. 15 minutes I can handle but when it's over an hour that's crazy. All I want to do is cancel my insurance.

I tried to call them, the system put me on hold for 20 min and then dropped the line. It happened 2 times. I greatly regret that I brought my lightly damaged luxury car to TD Insurance claim centre. They said that they will assess the damage on-site, instead, they just confiscated my car! They sold my car to somebody shop in Burlington and offered compensation to me that was not matching the car value. The process was slow, took about 3 weeks to negotiate compensation with them and another couple of weeks to get the money.

You call and hold four hours and hours. They do not care to give you a callback solution to avoid hanging on. I am disillusioned by this company and how it manages its customer communications. Totally incompetent in my view.

Unprofessional service provided on many different levels including management! Incompetent staff who lack the knowledge to provide adequate reasoning for increasing premiums every year for the past 10 years! The company's culture is to train staff to not provide any customer service and to be extremely unprofessional and condescending! Next to impossible to get a hold of someone in the call center unless you are willing to be on the phone for hours listening to their hideous music while on hold! God forbid if you make a claim with them as they will make the process nothing but unbearable, complicated and inconvenient. Stay away from this poorly managed organization at all costs!

As a policyholder for a year, I've had nonstop issues with them. Insanely long wait-times aside, I've experienced countless billing issues on their end that I've always had to call in and correct (ie. double billing me 2 months in a row), representatives in their call center who exert almost zero effort to help actually solve the problem at hand, and worse - they make countless mistakes and do not take accountability for any of them. They are supposed to keep notes on your account. The most recent example of their sloppiness is when I called in to point out a billing error that they thankfully fixed during the call. At the end of the call, I inquired about when my policy was renewing, to which the representative replied 'end of the month'. I called in a few days later to cancel my policy after finding out that I have been grossly overpaying after CAA gave me a quote, and the woman on the line states that my policy 'just renewed the previous day' and as a result, I would now be responsible for a $600 cancellation fee. Because the other TD representative was so lazy as to verify my renewal date (and was so lazy that he didn't even make any notes on my account during my call with him). I am now stuck with this awful company for another whole year. I'm almost tempted to pay up the $600 just to be free from their awful service. Word to the wise: save yourself constant headaches + overpayment and avoid TD auto insurance like the plague.