TD Insurance Auto Insurance Reviews

Been 7 years with TD, never hard one single claim. The day I had one they they denied even before seeing the fact, no one never even asked how I was physically doing. Simply the worse insurance and people. Do not insure with TD

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.

I was rear-ended at a red light (no fault) and TD INSURANCE HAS GHOSTED ME. I now have NO CAR, NO RENTAL, NO MONEY, and I am injured. It has been a MONTH since the accident.

After the accident, TD provided a rental car. Policy says $5000 in rental car expenses. They then took 3 weeks to get back to me to tell me that the car was written off. I was offered an insultingly low amount to replace my vehicle (which was completely paid off). I will have to pay out $5000 from my hard-earned savings to get anything close to reliable. I am a paramedic and need reliable transport to/from work in the worst weather conditions with highway driving.
After offering me the insulting claim amount, they gave me 2 DAYS to shop for, buy, insure, and license a new vehicle. They then TOOK MY RENTAL (after less than half of the $5000 amount had been used) and GHOSTED ME. COMPLETELY GHOSTED.
I have gotten NO MONEY AT ALL from TD, and have not been able to get a hold of the adjuster or a manager in over 7 business days (despite multiple calls and emails). I think they have blocked my phone number, or are screening my calls.
I have placed a deposit on a new vehicle, however cannot go pick it up until I pay for it. I cannot pay for it until I receive the claim amount from TD. I am stuck with NO CAR, NO RENTAL, NO MONEY, and NO CONTACT from TD.
Oh and also - when I called the mechanic to go pick up the license plate from the car (the DAY AFTER they told me it would be written off), I was told that TD had already had my car towed to the junkyard A WEEK AGO WITH THE LICENSE PLATE ON IT. So they towed my car to the junkyard a week before they even told me it would be written off, and now I have to pay for and use my time to go get a new license plate.
IS THIS EVEN LEGAL?
HEY TD - CALL ME BACK!!!!!!!!!!
My entire family has been insured with TD (4 cars and 2 houses) for 30 years. Never a claim. And this is how we are treated.

This has been my first and only collision in my lifetime and it has been an absolute nightmare nearly the entire way through. I started the claim January 16, 2024. And the first week I was unable to get either a tow or rental car leaving me taking the bus that nearly took me 3 hours to get home on -35 days. Then finally got this claim settled out and am supposed to be paid out as this accident was at absolutely no fault of my own. Then I’m still waiting on money and had to turn in my rental on Saturday while the person I care for was in the hospital and has further crucial health appointments I need to take him too and have no money to get a new vehicle, no rental, no money for cab, unable to take the bus due to his circumstances! For an incident that I had no control of at all and the other individual on the side of this case has absolutely no effect to her, none. Just consequences on the side of the innocent party …. Other person only has a dent on company vehicle. Has a whole other personal vehicle no effect to her livelihood whatsoever. Still waiting on payout to be able to so much as search for a new vehicle.

They don't have office in any other province other than Ontario... They claim to have one in Ontario which could be false as well. Everything is easy till you have a claim. Once the claim is filed, the assessor is hard to reach. Your calls would only end up in their voicemail. I had a claim and tried reaching out my assessor almost 50 times. You can't meet them in person. The wait times on these calls are usually over 90 min. I am under 25... so they charged high rates for insurance which is understandable since that is the process by all the other insurance companies. I wish I was in BC or Sask where insurance is given by government organizations.. TD auto insurance is a big scam.

Got rear ended and had to open a claim. The guy I talked to said I was going to receive a follow up call the next day but never did. So now I can’t get a hold of my advisor or anyone in there company. Moral of the story don’t get this scam insurance.

This is to let the world know that TD Insurance is a scam. I have been paying my premium regularly for many years and the very first time I have a claim due to a little damage to my car rear bumper has been a big issue in over two months now. Their approach is unprofessional and unbusiness like.

They are not reliable nor responsible. Don't expect any respect. They don't answer their phone and emails. They don't care about customers at all. When you need their support after paying lots of money monthly, they just leave you alone. They switched many adjusters for one claim. Adjusters don’t have enough knowledge & respect.

We had recently put through a claim on our auto insurance policy for a not-at-fault accident. To say our experience with TD Insurance has been a nightmare is an understatement. Our adjuster Adam refused to answer phone calls, ignored emails for days, lied about sending out a payout check and even went against TD's own policy. We will 100% be switching insurance providers immediately and I strongly advise anyone reading this to stay far away from TD Insurance. Insurance is affordable however it's when you put in a claim that the nightmare begins.