TD Insurance Auto Insurance Reviews

First, TD debited my bank account for my adult son's new car insurance even after I told TD not to charge my account for his insurance. When I noticed the deductions coming out of my account and I contacted TD, they informed me I needed to fax them, yes fax them a piece of paper with my signature and my son's signature on it to even discuss the matter. After multiple months and conversations, I decided to cancel my insurance with TD and they slapped me with a $250 penalty on my way out the door. As far as I'm concerned, the TD group of companies has no scruples. Beware.

All these years I was mistakenly thinking this was one of the best insurances and always was wondering you they receive such negative feedback.
Now I completely understand and you will understand once you have a claim with them (Hopefully you will never have one) especially when you are completely at no fault and they will try to reduce the cost as much as possible of the other insurance company at this time only you will start the feel of frustration.
I will try to do my best to reach out to all of these people and friends whom I referred to use TD insurance and would say sorry please don't.
You start to feel very bad when your adjuster notify you that even you have 5 years replacement cost we can't declare it total loss as the replacement cost will cost the insurance more than the actual value of the car even if the customer who at no fault would lose the trade-in value of his car so this 5 years replacement cost actually works against insurance holder as insurance always will go to repair option to save and work on their best interest or other insurance best interest at the end the consumer who will get punished.
Even I told them I already had a signed trade in a week before the accident with deposit paid and the dealer would refuse to take it, but TD wouldn't understand that. No choice - other than the legal case which is time-wasting for everyone that is exactly how no-fault people can feel.
Please always consider many criteria before you decide about your new insurance company it's not only the premium.

No communication, no response, lack of professionalism. The individual had not responded to phone calls or my emails ( which I left well more than 20). This individual only responded when one of their co-workers called me and sounded disturbed that this agent had not communicated properly.

I had a billing issue with TD, they double charged me one month without informing me, and after addressing the issue on the same day I was billed, it has now taken me 8 days (technically 5 business days) of literally hours on the phone, multiple calls and callbacks with multiple agents, call reviews from calls I made months ago to ensure they were actually at fault (thanks for taking my word, a loyal client for years)... hours of wait times... All to get to the very simple conclusion today of reimbursing my account for the extra month I was charged... Maybe the worst customer service experience I have ever had. That said they were all, maybe like 8 in total!!! Very polite and apologetic, however very very inefficient.

I had them for two years. My rates kept shooting up. Then I had surgery, so-called customer service to get them to change my payment dates, they only changed for 1 month. So next month rolls around, I was on bed rest just having my surgery thinking my payments were moved because I did it previously… nope. They charged me it didn’t go through. So then, they charged me an NSF fee on top of it all. Reviewed previous convo (like having the murderer investigating his own crime scene) and said I never moved anything????? Ummm then how did my bank know about it then? Oh right, because I took like 2 hours the previous month to make arrangements with all my creditors to make sure it was handled before my surgery. My husband even heard the convo I had with TD. They lie. They will rip you off then act like it’s your fault. Gaslighting is a real issue with TD.

This company has been taking money from my account for over 7 months for a policy I had cancelled. I keep contacting them every month and they keep giving me the run around about how it’s their fault and they will return the money yet every month they keep taking the money. They will not fix the problem or reimburse me for the money they stole.

It worst experience I've ever had to deal with as a new claimant.
Not only was the adjustor not experienced but he had a lack of communication to inform me of certain things. I was out of my car for 2.5 months with no communication around the increase in the price of the work they were doing, from one tire not being fixed and being charged, to the rental coverage not covering a certain amount of days and now I'm being charged.
This experience has literally driven me to not proceed with TD as my Auto/Home experience nor recommend anyone to even go with them.
Scam of a company.
Not knowledgeable employees.
A money grabber.
Terrible experience.

After 3 years of house and car insurance with TD, I sent a registered letter with a non-renewal note. After that received 27 letters from them and the collection agency. Only after the lawyer's letter, harassment was ended. Never had any claims, but could imagine.

When my car had some cosmetic damage, they tried to repossess the car that I own! The repair estimate exceeded the value of my car, so TD Auto Insurance tried for months to literally steal my car from me – even though I didn't go through with repairs. They also gave my phone number and email to a Repo company named Copart, who began harassing me on a daily basis, for three months. I've never seen anything so illegal/deranged in my life. After speaking to over 6 claims people and two supervisors, I finally settled and kept my car. However, the car can't be registered nor insured going forward - even though it was only cosmetic damage. Worst Experience.

It is literally the worst insurance if your banking through TD as well. I have had 2 payments bounce because apparently the banking fees taken out on the 31st come before a payment made on the 30th. They are crooks and have no real reception for people in tough times.