TD Insurance Auto Insurance Reviews

This company is so bad. I got into a car accident and I thought that was bad, but I had another thing coming.
1st of all, when you call TD, they have the WORST automatic system in the world. I got so frustrated... Then, don't expect to get a call back from an adjuster. My adjusters were changed more than 6 times, and I never got a callback. There is 0 CUSTOMER service and all these people do is transfer you from one department to another until someone actually just hangs up the call and you have to call back and go through this automated system again...
I will be cancelling with them at the end of my contract. What a joke!

Had a truck stolen in early March, then was found so was ready to go through the claims process but my first adjuster just would never answer my calls or emails as I was trying to be proactive on things. Got given a new adjuster and the same thing just doesn’t do anything for me. It is now almost August. That is over 4 months and my vehicle is still sitting around. The body shop waits for the adjuster's word to do things to it to get it back in my hands but no response. So frustrating. Trying to move forward after an awful thing happens to me but absolutely no help.

I've been waiting for over a year for TD claims adjuster to contact my adjuster. I have been trying for a month to connect with the TD claims adjuster and nothing! I have escalated my situation, but nothing! I have tried getting in touch with his managers and surprise, nothing! Getting fed up with TD! They admitted fault 6 months ago but I have been ghosted thru the entire process!
I don’t recommend TD insurance for anyone!!! Two thumbs down!

0 stars isn't an option. Anything that was accomplished on my claim was solely because I did it. I went through 4 advisors over 2.5 months and they're all completely lost. My last 2 advisors were with a 3rd party company and in a different time zone. One advisor refused to use a phone. Multiple mistakes, had to explain how my policy works to the advisors. Save your money for a company that will at least do some work. I've been waiting 2 months for 2 separate escalation calls. Service doesn't exist here. No one at TD Insurance cares about you.

TD insurance is terrible. We went with them for our new vehicle told them we wanted full coverage for everything and anything that could happen. We got in an accident they told us if it was a written off we were not covered. We told them when we got the insurance that we asked to be covered for everything including write-off. They said they would review the tapes and get back to us it's been months we have called them twice and all they say is it's still under review. Luckily it was not a write-off and the car is fine. I would get rid of TD as soon as possible if I was you!!! Terrible service!!!!!

It worst experience I've ever had to deal with as a new claimant.
Not only was the adjustor not experienced but he had a lack of communication to inform me of certain things. I was out of my car for 2.5 months with no communication around the increase in the price of the work they were doing, from one tire not being fixed and being charged, to the rental coverage not covering a certain amount of days and now I'm being charged.
This experience has literally driven me to not proceed with TD as my Auto/Home experience nor recommend anyone to even go with them.
Scam of a company.
Not knowledgeable employees.
A money grabber.
Terrible experience.

We placed a claim in August last year. It's supposed to be 30 days payout I believe. Yet we have not been yet. Leaving our family without any transportation. For several months, even now. However, obtaining a rental was relatively easy. Until it was stolen. Still no reply or assistance on that claim. Following that our truck was then stolen out of the yard, and again. Still not able to cooparate claim. As Still on the first one from August 2021. Absurd

Your company stole thousands of dollars from me by lying about my insurance coverage and then your ombudsman who is supposed to handle issues NEVER contacted me after I asked them to. This has been years now where I have you guys lying to me in every conversation I had. I was told the recording of me asking for I strange was A)never existed since I never called, well I had the phone record proving I did. B)I called but didn't ask about my insurance which was an outright lie because the day I realized I was out of work and could hardly move I called the only two loans I had to make sure I had insurance. C)the call recording was corrupted and couldn't be reviewed. The company cost me thousands of dollars in a time of need when I was hurt and out of work and I will never stop mentioning it because everytime someone says "they will look into it" nothing ever happens. I paid for your services coming out of a bankruptcy and the interest was near 20% and you guys still felt like screwing me over for 6 months insurance coverage because of a mistake made by one of your employees. When I was finally able to walk again I was able to check my paperwork and noticed I had insurance all along. You guys are despicable. I will remember to post and warn others about your company frequently. Go ahead and try and charge me for slander for speaking the truth. Don't bother messaging me to "sort this out" as you have many times in the past and still always "regret to inform me there's nothing you can do" well there's nothing I can do but continue to spread my story.

My first communication with TD was that I should surrender my vehicle to TD as salvage and look for a different vehicle. I did not receive any information as to how much money they were paying me regarding this proposal. I have played phone tag ever since with several TD representatives. Phone calls go to voicemail. Emails are not answered. I have 2 estimates from reputable auto repair shops that gave an approximate figure of $7,500 to $8,200. After 3 weeks I finally reached a representative who said TD’s drive-in auto repair service centre’s estimate was $4000 higher than the estimates I received. Therefore they claim that my car is non-repairable and a total loss. I am asking them to change my claim as repairable because I have 2 auto body shops that said the damage is repairable. I am able to drive my vehicle. I was rear-ended. I will even take rebuilt status if I have to but after one month I am still waiting for a written confirmation from TD that they will change my vehicle to repairable and how much money they will pay me to fix my vehicle.
I know that they want to claim it as salvage because it’s an older vehicle but I don’t have the money to replace my low 150,000km vehicle. I bought it new. It’s in excellent condition. I am very upset by this whole situation. I don’t know if other insurance companies act the same way. I have never had a claim before. I am not impressed with TD’s customer service. They aren’t on my side. I am the victim of a rear-end crash and my own insurance company is not advocating for me.

Terrible untrained service agents, unfriendly, condescending, incompetent. Can’t answer questions, don’t answer the phone, don’t respond to questions, don't return phone calls even when promised. Seem to create delays to prolong claim processing and delay payment. Agents do not seem to have the training, desire or authority to answer questions or to complete claim process. They repeatedly ask for more info, and transfer to another agents. I ultimately was required to speak to 13 different agents to get answers to questions and complete claim process. Agents seem focused on just keep delaying the process. Payout for my write-off vehicle took 7 weeks for incompetent TD agents to process, and was below market value. Despite their promises, the agents and managers showed no interest in 'helping' our situation at all.
UPDATE: We changed all of our insurance to a competitor who is polite, responsive supplier, coverage is better, personal contact is direct to same CSR every call, premiums 25% less than TDInsurance. WIN!