TD Insurance Auto Insurance Reviews

TD has been advertising one of the benefits of joining them is a lifetime warranty on any repair done due to an accident. This is not actually the reality. I have been trying to get a reimbursement since January (it is now July) and my lifetime warranty claim is still unresolved. The adjusters use stall tactics and drag it out. Then when you don’t give up and continue to follow up daily, they say the repair is not related to the initial accident even though it is the exact same repair. After receiving a disapproval for reimbursement I escalated the claim. Now I am starting all over with the escalation department getting absolutely no communication and no response to the follow-up calls I have been making since May. Every time I see their ads for the lifetime warranty benefit, I am reminded what a deceitful company this is and am in the process of looking for a new provider.

Terrible company renewed my policy when I told them not to do it. It took two weeks and five phone calls to get it cancelled.....they wanted to charge me a cancellation charge.

So it began when I tried to insure my quad offroad. I already had car insurance with them so my quad had to be separate they said 386$ they said to send so in April I sent 500$ for the quad ..all of a sudden I get a letter that my quad is cancelled in May. I called, and they had put the 500 on my car account and gave me a delinquency for their mistake. I argue to remove the delinquency they won't do it so I cancel my car that month in May, and they give me a second delinquency because they didn't do their job and canceled me when I ask. So then they sent me a bill for owing 645$. I send 800$. A year goes by I get a call from a collection that I owe TD 145$. I call TD and showed my 800$ proof receipt oops OUR mistake again. So they owed me 150$ and they ruined my credit for a couple of months on a mistake they made again. Horrible, horrible service!

Customer service agents do not do anything they just transfer from one to another for simple questions. Clearly poorly managed and trained people working over there. Stay away...

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 TD auto insurance for over 5 years paying premiums to them and the moment I had a claim they systematically cancelled my auto insurance. This company is fraudulent. Michael

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.

They didn't debit my credit card for the monthly premium at the beginning of the month and on the 12th of November when I deposited my paycheck I noticed that they didn't take their monthly payments because that's usually when I settle my credit card. I only use my credit card for the insurance and cell phone plans so there was plenty of money available for them.

So I was driving around with no cover for 12 days... They are unreliable, unprofessional and totally useless when you try to sort things out.

Now they are insinuating that it's all my fault and they had nothing to do with the problem in the first place. They are demanding a full year's payment from me.

Quit honestly I think they are going bankrupt and trying to squeeze money out of people, why else would they do this?

I bought the vehicle in August 2022, and the vehicle was bought privately. Two sets of tires (Summer and Winter) are coming with the vehicle. I set up the policy with TD for my vehicle, and when asked if I have winter tire installed during the Winter their question during giving me a quote
I answered "YES" because it is true, I have a winter tire and I will put it on when the winter comes. I have all the policies set up (I move all auto and house policies to TD). Everything was fine at the original setup. They gave me all discounts including the Winter tire discount. Then in September (a week later), they took the winter tire discount off and ask me to provide them either the winter tire bill of sale or the invoice that my car has a winter tire install. I made several calls to them to explain that I bought the vehicle privately and it is summer, and I couldn't install winter tires in Summer. After requesting to speak to the manager. The lady (manager) told me to take pictures of my car with the summer tires on the vehicle and winter tire sets as proof. I did taking the pictures and provided them.
After two months of calling them 7-8 calls, nothing happens. And now, they said they will not apply the discount because I don't have either the bill of sale or the invoice for installation. I requested I will submit the invoice when I install the winter tires next month. But I ask for all the extra fees I paid from Aug, Sep, Oct, Nov because no discount needs to reimburse back to me. Their response is NO, they don't reimburse, they only apply a discount at the time I submit the invoice for installation.
What pisses me off is, they said when they gave me the quote, they took my word that I have the winter tire, but they now say they can't take my picture as proof of having winter tire because I might be taking pictures of other people's tires.

Three calls and three different quotes. Deductible information is unreliable. I promised myself I would find another insurer next year. It is unclear whether there is any accountability for record-keeping. I have had double payments (annually) taken out, and all manner of errors with no apologies for these errors. Just super frustrating and I wish there were more options in Canada.