TD Insurance Auto Insurance Reviews

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.

My vehicle was involved in a car vs. pole collision in August. I was woken up in the middle of the night and given this news by police, my partner decided to take my car without asking and fell asleep behind the wheel, totaling my brand-new SUV. I filed a claim within the hour, police file #included. The next day I was contacted by a man who told me I should know in 7-10 business days if they're going to approve the claim. 13 days later I was notified the claim would be approved and had a rental set up while waiting for them to confirm a total loss. 13 days later the rental company tells me insurance was pulling coverage the next business days, which I thought meant they deemed it a loss, I sent TD the bill of sale as I have the depreciation clause, and they requested it the week prior. An hour after sending it in, I was contacted by another rep from TD and told she was special investigations. She made me answer all the same questions again. Multiple times. Questioned my story about being asleep when police arrived and accused me of giving the keys to my boyfriend, tried to say he lives with me as an uninsured driver, then tried to say he was drunk. She tried to say there was no police report in the file, contrary to the prior rep who had the file in front of him in our last call. When I asked how long she would take to do her investigation, she stated it would take as long as it takes for her to be satisfied. I faxed her every document she requested beginning of September, then crickets. She did not return my voicemails or emails for over a month. Last week I had enough and emailed again, my displeasure was quite obvious, I threatened a lawyer if she continued to ignore me. Like magic, 45 minutes later, she calls me. Tells me she has confirmed my story as truthful, and I'll be getting the claim settled... That I would hear from someone on the meritorious team within the next couple of days... 9 days later, and I have yet to have any more contact. All while I'm still paying for my 2024 SUV that I haven't had in 14 weeks as well as paying insurance on it... And paying out of pocket for a rental… My initial 7-10 business days for a decision is currently 14 weeks and counting. Do yourself a favor and avoid this company at all costs.

I was involved in a 100% not at fault accident (other driver ran a stop sign) when I made initial contract they were helpful (sunday) but when Monday came around they treated me totally different, they said they can't get me a rental even tho I paid for rental coverage and just told me to "get the bus or uber, submit your receipts and you'll probably get reimbursed" even though I told them neither are offered in my area, had to find my own transportation for 2 weeks.

They WILL NOT let you buy YOUR car back, said everything is sold to another company, and you have to deal with them. I tried to contact them and got told "people think they can just buy it back, but it doesn't work that way. It's probably already sold". They push and pressure you to sign a release form so they can take your car before settling the case.

Lowballed me on the appraisal, got all the specs of the car wrong, then forced me to do all the leg work to get a fair price for my car. It took 3 weeks to settle the auto part. Would not give me fair value for my modifications, said a upgraded clutch ($3000) was normal maintenance for a car with sub 100,000km.
I had to find my own transportation, I got treated like a criminal, I didn't get the coverage I paid for, I ended up with a rental but for less than 48hrs, forced to rush around to get my belongings and papers despite my injuries.
If you care about your car and are a car enthusiast in Canada, I can not recommend TD, unless you don't want your car back.
Only positive is they sent my money quick.

I have had nothing but issue after issue with my payments. With customer service. Trying to make me pay multiple months with two payments. I had it fixed and payments went up now once again they’re trying to make me pay two payments. I filed a damage claim back on August 5th. It’s almost been a month and no one has called me or contacted me. Not once. Once my claim is done, I am switching to another company and do not recommend TD to any.

Customer support is non-existent. Changed card for auto-renewal and paid bill. A month later policy is cancelled with no notification or communication from TD insurance then they scammed money out of partner to fix the issue of which they still didn’t. Now our rates will be up 3000$ if it’s not fixed.

Terrible people, terrible customer support.

Wished I would have checked other insurance providers sooner. I have been with TD for 20 years only ever had 1 claim. Every year it goes up. Saved $2000 with another provider with more coverage. When you call you wait 90 min, if you leave a call back number which I did you don’t get a call back. They want you to do everything yourself online. I’m paying for service I don’t want to do their work. I cancelled my vehicle and home insurance and a week later got a bill even higher than the original. Waited 90 min on hold again when representative answered. I told him I got a policy even more money after I canceled I told him they were too expensive, phone wait is ridiculous, and I’m not paying to do it myself online. He hung up on me. I wasn’t rude, they never asked why I cancelled, thought they should know. Guess they don’t need customers.

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.

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