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 adjusters were useless. When our stolen vehicle was stolen and recovered it took adjuster all to find out where vehicle was.
There was no customer service. The adjuster did not know his job and did not care. I called and emailed every day for five days to get an update there was never a response. Had to escalate my call to a manager.

We have been loyal TD Meloche Monnex customers for over 25 years with zero accidents or auto claims. We never needed to use our insurance coverage until we were rear ended through no fault of our own on 3/20/2024. The way our claim was handled by TD Insurance was unethical and extremely frustrating. Our main complaints are:

- TOTAL LOSS - TD declared the vehicle a complete loss on 3/27 based on an estimate that was only 62% of the value of comparable replacement vehicles. I had to spend countless hours to convince them that they needed to re-assess this. Eventually, they did a vehicle tear down and found the extent of damages was supposedly equivalent to 100% of the value of comparable replacement vehicles and declared it a complete loss again on 4/15.
- LOW BALLING - We received completely bogus valuations on 4/2, 4/4, 4/8 and 4/10. Finally, we received a valuation on 4/17 which was 95% the value of comparable replacement vehicles and was an increase of $4600 or 20% higher than their first valuation. We finally agreed with this value so we could move forward with the settlement.
- RENTAL CAR SHENANIGANS - On 3/20, TD told us we didn't qualify for a rental car because we had removed the Grand Touring solution from our policy a few months prior. Because it was a no-fault accident, we did qualify for a rental car. Still, TD tried to tell me it would be up to 2 years to determine who was at fault because the accident occurred in BC while we were insured in AB. The RCMP declared it not our fault the same day, 3/20. It still took TD 3 days of calls before they arranged the rental car for us. Then they kept trying to take the rental car away with each bogus settlement they offered. I'm still fighting with them to reimburse me for rental car expenses from 4/17 to 4/22 more than 2 months after the accident.
- FEAR TACTICS - My son was driving the car when we were rear ended, and TD tried to insinuate repeatedly that we weren't covered at all because he wasn't on the policy. This is untrue, as he had a learner's permit and was covered through our insurance until he receives his Class 5 license.

The only positive was that they handled our medical claim fairly, and we received good medical coverage for 3 months after the accident.

RECOMMENDATION: Never accept the first few offers from your insurance company as they will always low ball you. Spend the time to research what the car and upgrades are really worth (depreciated) so that you can get a fair amount. Don't let them bully and scare you.

After my credit card was stolen and the number changed, I tried to update it online on multiple occasions, and it wasn't being updated for pre-authorized payments. I contacted TD insurance multiple times to resolve the issue so that I won't accidentally miss payments. Once I thought the issue was resolved, turned out my payment information wasn't updated and I missed two payments and my insurance was canceled for non-payment. I haven't received any notice of cancelation to my email or phone, nor I was notified about missed payments. Contacting TD insurance produced no results and no I am facing the consequences.