TD Insurance Auto Insurance Reviews

Wished I would have checked other insurance providers sooner. I have been with TD for 20 years only ever had 1 claim. Every year it goes up. Saved $2000 with another provider with more coverage. When you call you wait 90 min, if you leave a call back number which I did you don’t get a call back. They want you to do everything yourself online. I’m paying for service I don’t want to do their work. I cancelled my vehicle and home insurance and a week later got a bill even higher than the original. Waited 90 min on hold again when representative answered. I told him I got a policy even more money after I canceled I told him they were too expensive, phone wait is ridiculous, and I’m not paying to do it myself online. He hung up on me. I wasn’t rude, they never asked why I cancelled, thought they should know. Guess they don’t need customers.

I called TD cause they canceled my auto policy (it had already been cancelled 2 weeks without my knowledge) they said they had “no idea why” and then charged me more money to restart the policy then cancelled my home AND auto policy a month after and said I owed $953+$100 for both policies. They rob you blind, DO NOT USE TD INSURANCE FOR AUTO OR HOME!

My adjusters were useless. When our stolen vehicle was stolen and recovered it took adjuster all to find out where vehicle was.
There was no customer service. The adjuster did not know his job and did not care. I called and emailed every day for five days to get an update there was never a response. Had to escalate my call to a manager.

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.

My mom (senior) was paying insurance on her trailer for a decade only to find out that she’s wouldn’t even be covered because it’s been sitting on a rental sight in B.C. At the time of obtaining insurance she gave the agent the information. Not to mention that she requested several times to have an added co-owner's name removed from the policy. TD is also very expensive for car insurance coverage.

I had auto insurance with them since June 2022, in December my credit card has not got deducted for insurance amount which I have set on Auto pay. Hence, I haven't even bothered to check the statement.
In April 2023 I receive a letter from TD Bank of non-payment since December. I immediately called them and the customer care is like it's your fault, though I was having sufficient balance in my account.
In response to my statement, they said you have to get a letter from your bank that why payment has not been made.
Being a customer of them, Firstly they have informed me after 4 months with a letter, no email, nothing. Secondly, I being in a job seldom find time to run to banks to get clearance letter from bank to satisfy TD insurance that it wasn't my fault. What a customer service.
Now they had me red flagged for non-payment, stopping me to get insurance from other bank. I don't think TD insurance is good at customer service, but they are good at harassment.
I will never get back to TD Bank or insurance

Been 7 years with TD, never hard one single claim. The day I had one they they denied even before seeing the fact, no one never even asked how I was physically doing. Simply the worse insurance and people. Do not insure with TD

Did an online quote for my car, got a normal price, proceeded to buy online BUT the system would not accept my VIN. So I called them and immediately the price went up 60%. Nothing changed except for the VIN. They gave me a long lecture on how VIN helps them identify the exact model and equipment and value of the vehicle but it is just a load of BS - my car has only one trim level.

Think twice before dealing with insurance company that starts by lying to you.

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!