TD Insurance Auto Insurance Reviews

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.

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.

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!

They will only fix parts of your vehicle they want to and not all the issues that were affected by the accident. Then tell you that area was not caused by the accident and won't fix it. I messaged them about it over a year ago they kept saying they will get back to me then they just say no were not fixing it because it is rusted so it wasn't caused by the accident. It is rusted because it's been a year I'm waiting!

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.

TD Insurance is the worst insurance in the world! I made a claim in May 2020 and didn’t get my claim dealt with till September 2020! Do Not Insure Your Car Or Anything With TD.

My MDX took them 8 months to be fixed, I had to pay the monthly insurance amount and to rent a car.

Last year Nov, in a no-fault incident, my car was total loss. However, no agent contacts me after a whole month while I need the insurance coverage to rent a car. I have to wait on the phone line and after several attempts I finally reach the supervisor. I was told the agent who handling my case is not at the office and now another agent is assigned. Afterward, the compensation amount is far below market value of my hit vehicle, and it cost me one more week to bargain with the agent for a reasonable price. I immediately cancel it once the coverage period is over, still I need to schedule a phone call in order to cancel it. The customer service has bad attitude and does not care if I cancel it or not. Overall, price isn't attractive, bad CS, worst claim experience. I will NEVER use any service from TD, including bank service.

I am very disappointed with TD Insurance due to their poor customer service and lack of communication. In August 2023, I was driving in heavy rain, and water damaged my car engine, causing it to stop working. I filed a claim immediately and explained my situation. Despite my concerns, TD Insurance insisted on repairing the engine instead of writing off the vehicle. This is a family car, and replacing the engine raises serious safety and reliability issues. The car has been sitting exposed to snow and rain for over a year, which could cause further damage, including rust and other safety problems. To make matters worse, I have been trying to contact my claims' advisor, but each time I get no response to my emails or phone calls. I also requested a rental vehicle, but no one has addressed my requests. This experience has been incredibly frustrating and stressful for my family. I pay full insurance premiums, yet I have received no service or resolution for my claim. The lack of communication and disregard for my safety concerns is unacceptable. I urge TD Insurance to take responsibility for their customer service and address claims in a timely and respectful manner.

I would not recommend TD Insurance to anyone based on this experience.