TD Insurance Auto Insurance Reviews

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.

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!

It’s hard to communicate with them. No one is answering your emails nor phone calls, for weeks no one will help with the claims!
Omg, having the worse experience ever, they are big with a name but there is NO SERVICE!

My claim has been open for two weeks and there has been no progress at all. Even getting the adjuster to communicate with me has been awful.

We will be changing our insurance company as soon as this is all over, and I will never EVER go with TD Insurance again.

Worst customer service I've ever experienced.

Terrible experience, I want to change my company after done with the claim, so slow process, nobody cares.

My claim was hit&run, TD insurance expert reported not hit and run. They kept my car for two months and charged me for two months. Finally, after two months their engineers said it was hit by a hard object, the adjuster called me by soft voice said sorry, take it out otherwise pay for parking.

By far the worst insurance company I have ever dealt with!!! They're just money-hungry people, you would have thought that because you are paying a well-known bank that you will be fine and everything. Well in this case TD isn’t!! They are good in their day-to-day banking needs and business banking but not for auto insurance. Still waiting for my car to be fixed and it’s been a whole month, haven’t been approved and then to top it’s they missed up on my address so my premium amount changed. I had to pay a cancellation fee for me to leave this stupid insurance and get a better quote from somewhere else. STAY AWAY FROM TD INSURANCE!