TD Insurance Auto Insurance Reviews

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.

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.

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.

You are their valuable customer unless you have a claim. Then, they become your enemy.
I had two not-at-fault accidents (got full coverage), and they made my life crazy messy. Not a good scope for rental! This means there is no rental coverage in your critical moments! You have to find a mechanic shop yourself! Then, when you find one, they change their mind to not repairable. Immediately, you have to return the rental and wait a century for them to give you a cheap valuation. They send you an email at 3:59 PM, And when you reply, they will answer you NEXT WEEK with new requests! Please do not waste your tile, life, and money there!

My mother used this unscrupulous company for her insurance. She got in an accident. Wasn't her fault. And they never settled her claim even though she sent all the necessary paperwork back to the adjuster. Adora F. He kept stalling. Lying. And finally. 4 months later my mum passed away. Due to some of the injuries she sustained while the accident. Then as executor of her estate, I noticed they. Kept taking premiums from her account. When she never had a car since her accident. So they knew this as. They never settled her claim. I'm trying to get closure on this. Case and all they do is put up more and more blocks or ask me for signatures from my dead mother. Even the TD Bank manager who was working with me to settle this was shocked at how absolutely difficult they are being. Looks like I'm going to have to sue! Because they refuse to accept that I'm the executor. Even though. TD waived to probate and deemed me executor. I can't believe that a chartered bank. As credible as TD. Would allow this criminal scam company under their umbrella. Don't use this Company TD Insurance is a scam and will never pay and keep taking premiums when not entitled. I had to close my mum's account to get them to stop. As they didn't accept the death certificate either.

I had an accident and I was at no fault. It doesn’t matter to them if explain the whole situation they will think and do whatever they want to.
I had a new car just 8 days driven and got hit by a vehicle. Airbags were deployed and had damaged bumper and other parts. It was nonrepairable but they assigned it to repairable not because in actuality it is just because they can’t write off that much amount. Really hurtful.
I am worried about safety more. If something happens in the future just because of repaired part who is going to be responsible for that?
Would not recommend it to anyone honestly. They don’t value your money.

A woman hit my car. It was deemed her fault. TD is her insurance company but they will not talk to my insurance company. They are unprofessional and a terrible business. Now I have to cover my $500.00 deductible. Stay away from them like the plague.

My husband got into an auto accident which was not his fault and now they don’t wanna help us with coverage. They kept increasing his premium every year. Can’t give us rental nor give us any idea how much compensation we deserve. They think it will most likely be a write off.
Claiming they’re still reviewing case. Bunch of crooks. Thank you TD, we’re not dealing with you guys anymore, and we will make sure no one else will. Hope you can sleep at night knowing you steal from people and refuse them help. Province of Ontario really need to investigate this company and companies like them.