TD Insurance Auto Insurance Reviews

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 just got new car insurance from TD auto insurance Canada. I admit to missing one payment and was assured by the representative that my next payment would be deducted on the 21 of March. I put money down and waited for a notification from my bank for the deduction (which never came) I decided to call and let them know the situation. That representative was helpful even though he may have given me the wrong info. Another representative was helpful as well and did her job. However, another guy was the most awful supervisor and very rude. This guy made up his mind not to help out from the beginning. He listens to so many people and fails to understand each customer individually. He charged me the full amount of the insurance and told me there's nothing he can do. He told me to keep quiet whiles he spoke. Such awful awful customer service. Guys, I suggest trying another insurance. Please do not make the same mistake I made.

I had them for two years. My rates kept shooting up. Then I had surgery, so-called customer service to get them to change my payment dates, they only changed for 1 month. So next month rolls around, I was on bed rest just having my surgery thinking my payments were moved because I did it previously… nope. They charged me it didn’t go through. So then, they charged me an NSF fee on top of it all. Reviewed previous convo (like having the murderer investigating his own crime scene) and said I never moved anything????? Ummm then how did my bank know about it then? Oh right, because I took like 2 hours the previous month to make arrangements with all my creditors to make sure it was handled before my surgery. My husband even heard the convo I had with TD. They lie. They will rip you off then act like it’s your fault. Gaslighting is a real issue with TD.

Horrible wait times, they will hang up on you after 40 minutes of hold if you don’t answer within a second, will cancel your insurance without proper notice when late payment arises and the customer service is terrible! DO NOT USE THEM!

Checked my bank account to find out TD has taken more than double my premium from my account without any type of warning causing my mortgage to bounce and I incurred 2 NSF charges! When I finally got through to a real person to point out their mistake, I was told that this is what TD does to insure a policy renewal, and they will gladly give me my NSF charges back when I prove to them it was actually taken from my accounts. They are modern-day pirates out for only one thing... Profits! They couldn't care less about their clients. RUN as fast as you can from these people. I will be informing all my friends, relatives and colleagues of the way TD treat their clients!

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.

Make sure that you say "I AM CANCELLING MY INSURANCE. I AM NOT RENEWING. I DO NOT WANT TO BE INSURED BY YOUR COMPANY ANYMORE." Otherwise, they send you a $200 penalty invoice 2 months later for a service that you stopped paying for and did not use since the end of the term. Competitive rates, yes. Word traps and gouging after the fact, absolutely. Steer clear of them.

Overpriced paying $100 less than my truck payments and have a clean driving record. They never take out money when they are supposed to say on my yearly bill chart that payments are going to be taken on the 18th of every month but rarely ever do its usually either my car insurance or my rental insurance one day and the other a day or 2 later. Then if I don't notice they haven't taken it and use it I get charged $45 by the bank and get a late fee from them when if they would take it out when they are supposed to the money would be there

Car insurance premium rising every year. Yet unable to get through to an agent by phone or online. Unless you have enough time on your hands to wait for who knows how long? Hopefully, you don't get transferred that is another hold time. I couldn't even get access to the website for a few days with no reason for the problem? This is just so I could pay for my coverage? I've never had so much pain trying to give someone money. When I finally got through they decided to tack on a late penalty! That was it for me. Cancelled. They wouldn't rescind the penalty. So for $25 they lost over $1000. Never use TD for insurance. They do not have enough "service" people to handle what business they have. I'm just glad I didn't have to file a claim. That must be scary.