TD Insurance Auto Insurance Reviews

Worst experience ever. Had car less than a month (insurance with TD for only 27 days), was hit by a negligent driver, and TD deemed car total loss. They claimed we were not at fault, yet we were out a car, no rental, and they lowballed us the value of our car. The comparable cars provided were not even similar or available. The TD Auto Centre that we had to take the car to, was a nightmare. They harassed us while we were emptying our belongings out of the car, saying we "didn't own it anymore", and threatened to call the police while we were removing plates. 3 weeks later, they still have not transferred the car out of our name. Spoke with Service Ontario, and let TD know this, and the "total loss adjustor" argued saying they owned the car. We cancelled the policy immediately and will never go back to them again for anything. A manager claimed the "cultural differences" between the Pakistani adjustor and us, which is why she was being mean and rude. Yeah ok. Not buying that. Disgusting service from a company that should be more sympathetic during a stressful time.

I am a TD client since 2013, recently my honda van got damaged in a recent hail in Calgary, Alberta. I filed the claim the next day, the advisor informed my car was a total loss, he was not too good with communication for a couple of weeks and then... he disappeared, for 2 months! I was calling their different numbers, sent hundreds of emails but got nothing for almost 60 days! I was only provided rental for only 1 week in this 2.5 months period of "no car". Eventually, someone got back to me to help and offered me $8500 for the van I bought in 2017 for $22,000! This vehicle was financed and I still have to pay $11,000 to the financial institution for this van. They aren't even giving any chance of negotiation. This is brutal and broke all my confidence in TD insurance... A big company with pathetic customer service.

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 had a tree fall on a trailer insured on its maiden voyage. I previously had insured a tent for 7 years. The first call they claimed it wasn’t insurance. The next call they figured out their error. Took them a month to appraise. So we purchased a cover to protect the dime-size hole made by a puncture. Well, they don’t patch! They replace so a new roof writes off the trailer. Useless insurance company. It was out one day and they claim it devalued 1100$. A very expensive night!