TD Insurance Auto Insurance Reviews

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.

Got my BMW insured with TD. Last year I paid 3224 CAD. This year the insurance is 3500+... With no claims, tickets, etc.
When I called they said it is because of inflation. They did offer 10% on deductibles which is a joke (in case of an accident).
I canceled the policy and will not recommend it to anyone.

Spend minutes talking to AI/robot to be transferred to an adviser. Super annoying. And because they wanted to make money. They included a sketchy fee to push you to pull the full amount rather than incremental monthly amounts.

I can’t even begin. I have been trying to process the cancellation for my father who passed away for over a year, they do not want to issue any sort of refund. This company is a sorry excuse for a business.
I would never in a million years recommend them and if I could have given negative stars in this review I would. Although I can see their ratings are horrific, so I hope they just pack it in and stop destroying people's sanity with their terrible business practices.

TD auto insurance is a scam. They give you online quotes and say you save 5% if you get online quotes but when you call the price is substantially different. They also add installment fees. Unresponsive to complaints and their shady business practices. Avoid at all costs. You are better off getting your auto insurance at any other institution. They are fraudsters.

I changed to TD insurance and my family also. Come renewal, no accidents. No claims. No tickets it is a grand higher for 0 reason. Decide to cancel for obvious reasons. Spend an hour on phone to get a quote to cancel. Call back to actually cancel now 3x the cost. They are ridiculous. Getting rid of them no matter the cost. Do NOT get them. Cheap year one, kill you on renewal!!! Beware

I've been waiting for over a year for TD claims adjuster to contact my adjuster. I have been trying for a month to connect with the TD claims adjuster and nothing! I have escalated my situation, but nothing! I have tried getting in touch with his managers and surprise, nothing! Getting fed up with TD! They admitted fault 6 months ago but I have been ghosted thru the entire process!
I don’t recommend TD insurance for anyone!!! Two thumbs down!

They declined the car stolen total loss claim. They don't pick up your call, all sweet talk. Worst experience ever!!!