TD Insurance Auto Insurance Reviews

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.

I contacted their office to request to move my payment dates to the 15th of every month, and they said they would do that, but the person I spoke to on the phone did NOT DO AS THEY SAID THEY WOULD. This caused me to miss two payments in a row for my insurance yet the entire time I thought I was paying successfully on the 15th TD was not taking payments out, and they had decided to cancel my policy and this has now affected my record due to their customer service. NEGLIGENCE.

I had an agent yell on me on the phone because I did not understand their "policy" that had me being charged twice in once month. Don't make the mistake with going with this company.

I have had nothing but issue after issue with my payments. With customer service. Trying to make me pay multiple months with two payments. I had it fixed and payments went up now once again they’re trying to make me pay two payments. I filed a damage claim back on August 5th. It’s almost been a month and no one has called me or contacted me. Not once. Once my claim is done, I am switching to another company and do not recommend TD to any.

Customer support is non-existent. Changed card for auto-renewal and paid bill. A month later policy is cancelled with no notification or communication from TD insurance then they scammed money out of partner to fix the issue of which they still didn’t. Now our rates will be up 3000$ if it’s not fixed.

Terrible people, terrible customer support.

Customer service is awful, they made me cry 2 times ; the time you want to cancel your policy they play with you! I have called them 3 times and cancelled but kept receiving renewal confirmation!!!! Their prices are so high and once you get problem they find reasons not pay you! Do not go with TD
They are monsters.

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.