TD Insurance Auto Insurance Reviews

I was insured by Meloche Monex /TD for 20 years. Prices were climbing up on yearly basis without any meaningful explanations. The last jump was $2000 presumably for one speeding ticket $40 exceeding the speed by 10 km!?
Ridiculous explanation. Have to change it for another insurance. Loyalty is meaningless nowadays.

I have been with TD car insurance for 1 year. My insurance started at around $1100/year. I did my advantage driving program and ended up getting such a high score that I would receive a 24% discount for the following years. I get my statement for this coming year, and my insurance went up to around $1400/year.

To me, I thought that they hadn’t put the 24% discount onto this number yet and that I had to call to get it activated. So I called, and come to find out, that the 24% discount was already applied and the final amount was $1400/year AFTER the discount.

This would mean, that If I did not have my 24% discount, my insurance premium would have gone up to $1900/year, a 60% increase from the year before. When I tried to explain that it must be an error, because increasing a premium by 60% (no claims in that year or tickets), they refused to acknowledge that the increase is 60% and stated that the increase is only 21%.

I’m no mathematician here, but going from $1100 to $1400 with a 24% discount already applied, is not 21%, but probably for legal reasons, they would not acknowledge the fact that they increased my premium by 60%.

Stay away at all costs. I guess being a super safe driver is not what they want, since they’ll hike up your premium if your advantage discount is too high.

The fact that they are causing this many issues and I haven’t even gotten in an accident or submitted a claim yet, is telling to what they will act like once I actually need their assistance. I’ll be shopping around for another insurance company. TD insurance is an absolute scam.

They change your premium without updating the customer and when we ask them the reason. They tell us that TD sent a mail which I never received. They deduct money from your account without us knowing. Just till scammers. And when we ask for a refund they say one or the other reason and are not willing to give a refund at any cost. So bad service. I would not recommend TD to anyone.

My Auto policy was renewed by TD during midterm without any prior notification/communication to me. And Policy amount was increased by 25% again without any prior communication/notification. When I saw an updated monthly charge on my account, I reached out to TD and they said they tried to call me once and I was not reachable so they went ahead with the increase. I filed a complaint with TD and even after 3 months, they have not been able to provide me with any reason why I was not informed about changes to my policy. Very horrible service, never ever going back to TD for any service.

Worst insurance providers ever. They deducted insurance money twice in 10 days. When called them to return the money, they just said it was just a mistake and will be returned in 10 business days. Fraudsters. The call agents don't even know what exactly to say. Every year my insurance went up instead of going down. Real scammers.

After my one and only minor claimable collision, which cost the insurance company about $3,500, they jacked my premiums by more than 30% every year following the claim. During the claims process, the phone wait times were in excess of 1 hour to speak to a claims adjuster. In addition, the claims adjuster gave the wrong information to the collision centre that was fixing my vehicle.
I paid more in insurance in the years following than the cost of the collision.
I finally got fed up when they jacked my premiums again in 2021, and phoned to cancel the renewal. I phoned 37 days in advance of the renewal, at which point the agent told me that they would not debit my bank account for the renewed policy. 6 days later, they debited my account for the new policy.
I phoned again, and was told that they would refund the money in 30 days. Yes, folks, that's "30" days that they will be holding my insurance premium.
How's that for service? Stay away from this company.

Terminated my policy without notifying me. Later I find out they did it as they were not able to process payments on my card because my bank noticed some FRAUD transaction and cancelled the card. Received no phone, text or email regarding missing payments for four months. When I acted it was already too late. I offered to make any outstanding payment in full and requested to reinstate insurance.
Instead of helping out their customer, they flagged my account with non-payment' which is now impacting me every time I go to any insurance company. They did it purposely so that I go back to them, and take insurance at a revised rate which is 120 per month higher than what I was paying before. Another weirdest thing, I paid off everything I owed, they're not even ready to issue a letter note saying I do not OWE anything. I don't know how to defend my rights in this situation 'when they have full access to flag/destroy my record with whatever they want.

I have TD insurance home and auto for a year then they sent renew with increase everything 13-14%. I asked them why it increased especially during the COVID-19 outbreak and people not using much cars. The answer was they estimated the cost to repair my car in case an accident would be higher compared last year and cost to rebuild home higher. I asked why the apps TDadvantages predicted discount 23%, why I did not get the discount instead of 13% increased. They said I did not meet 1000km, even I still have 1 month before renewing policy to make up to 1000km. They said no adjustment in even if I make it to 1000km. This company is trying to rip you off even in difficult COVID-19 times. I have shopped around actually found a much better deal, better coverage 25% cheaper both home and car insurance. The way they deal with clients, I would cancel the insurance with them.

Got my BMW insured with TD. Last year I paid 3224 CAD. This year the insurance is 3500+... With no claims, tickets, etc.
When I called they said it is because of inflation. They did offer 10% on deductibles which is a joke (in case of an accident).
I canceled the policy and will not recommend it to anyone.

I changed to TD insurance and my family also. Come renewal, no accidents. No claims. No tickets it is a grand higher for 0 reason. Decide to cancel for obvious reasons. Spend an hour on phone to get a quote to cancel. Call back to actually cancel now 3x the cost. They are ridiculous. Getting rid of them no matter the cost. Do NOT get them. Cheap year one, kill you on renewal!!! Beware