TD Insurance Auto Insurance Reviews

I was shocked by the $400+ increase in the renewal. The effective date was mid March, but TD programmed my PAP to start in Feb. I called to stop the PAP to start in Feb because I want to consider cancelling the auto insurance with TD. I was told that if I cancel it before effective date in mid March, a full refund will be made. I did cancel the renewal and I received a notice saying that it will take them 30 business days from the Notice date to do the refund. In addition to the call experience, I called so many times and follow-up so many times and each time you wait on someone to answer you call.

Shocked by the cost of our renewal in 2020. Shopped around and paying 100 less per month with another insurer even with monthly program cost.

Happy to leave TD. Tried to get a hold of them by phone earlier last year and on hold for over 4 hours and no one answered. Covid is not an excuse (as the recording kept saying) when every other company can answer in a timely way.

And I thought my TD Assurance story was over. In November I had given TD Assurance explicit written directions that they were not to renew my policy automatically and that I wanted a quote at the termination of the current policy so I could make a decision.
Last Wednesday although my policy was completely paid for TD attempted to put another payment through my bank account. Fortunately, there wasn't enough money in that particular account and the payment bounced. The bank (not TD) did charge me an NSF fee which they subsequently gave me back once I explained to them what had happened. Then on Friday, I got a notice from TD Assurance that they had auto-renewed my policy at a rate that was double what I had negotiated with the new company for exactly the same terms as my original policy.
WARNING - DO NOT GIVE TD ASSURANCE YOUR BANKING INFORMATION. SHOP AROUND FOR INSURANCE RATES. TD Assurance rates are usury.

Something is wrong with this company. It's like they don't want to be in the insurance business anymore. I've been with them for over 20 years and will be moving all my business elsewhere.

Waited over an hour on the phone just to renew my home insurance in October. Will be finding someone else next year.

After they raised my auto-renewal premiums by 20% for no reason (20+ years accident-free), I shopped around and found another broker that was 60% less expensive. When trying to call them to let them know I won't be renewing, the phone system indicated a 1 to 2-hour wait just to talk to a rep.

I have both home and auto. I have questions and have tried multiple times to reach them by phone (leave it on speaker so I can continue with activities) and eventually give up. They have sent me two identical invoices for my home and have raised my auto insurance. One is due tomorrow and another due next month. Do they have any employees at all? I would give them a zero!

Because of COVID 19 and the work from home policy, I took advantage of the COVID program for 4 months. After requesting to reinstate my insurance, they just increased my monthly payment by 35% of what I was paying before. No scruple! I have to wait until the end of my contract to move out. Stay away from them...

My payments were preauthorizes and were going from 3 years. Then, my credit card gets lost and I forgot to update my card completely. They cancelled my policy for non-payment. They sent me a letter which unfortunately I never opened… It was called to renew, then I found my payments not going through. Then they said now your policy will be renewed with much higher rates. I cancelled my policy. They do not value customer, even though I cleared all the outstanding balances same day I found out my payments did not go through because of credit card changed.

I was paying $260 for full coverage comprehension insurance for a 2022 MITSUBISHI GT, that was a discounted rate under a group plan. I already felt at $260/month I was already over paying as everyone else I talked to was getting better rates than I was else where .

I moved and no longer was able to get a group discount since I was the only one insured with TD, a broker called me and told me that now i’m no longer under a group discount and my rate was going to be changed to $350 IMMEDIATELY, even though i signed a contract for my previous rate .

I called multiple other insurance places and they were all significantly less than TD was.
ALSO TD charges extra too because when you cancel your insurance you get refunded money which is weird to me that they never disclosed they were taking more money than they needed .

Shop around , TD is a complete rip off. Any place well offer a better rate!

I had been with TD home and Auto insurance for two years. I went on vacation and didn't realize my home insurance payment didn't clear. Instead of contacting me, I get home from vacation with a letter saying I had to pay out $3600 or my home insurance was cancelled. I paid the $3600. Then one month before my insurance was to renew. They took a payment out of my account. My payments before they made me payout were $325, the new payment they took was $390. Not telling me they upped my insurance. They told me I would get a refund, I advised them I didn't need a refund because it bounced as I didn't know they were going to take a payment. I cancelled the policy. They took a payment of 390 out again 4 days later. I then cancelled my home insurance & car insurance. It took 7days to get my refund for my home insurance. Then I needed a premium paid letter, to prove I didn't owe anything to TD. They told me I would not receive the premium paid letter for 10 business days. They refused to email the premium paid letter to the new insurance company or myself. So I can not get insurance for 10 business days. This is why I left this company. You are just a dollar sign or a number to TD, and they do not care about you. I would use TD as last resort. Dealing with TD has been a nightmare!

My home and auto insurance rate keep getting higher every year even if I never had any claims. This year, I got my full G licence and instead of getting a lower rate, they increase my auto insurance by more than 70cad per month. Needless to say, I switched to another insurance company.