TD Insurance Auto Insurance Reviews

I am disgusted and furious at the money grab implemented by TD Insurance. TD Insurance has instated a monthly fee of $7.50 ($90 per year) - for the privilege of paying your vehicle insurance premium monthly. The representative I spoke to suggested two things after I explained my displeasure at this money grab: 1 - she suggested avoiding the fee, I pay my yearly insurance in full. I explained this was not an option. 2 - she suggested I put the payment in full on a credit card so I could collect points. (Thanks for the great advice). Imagine charging your clients a fee to pay their monthly premiums. This is shameful. It may be an insignificant amount in the big picture - but - I cannot fathom what TD is now making on charging clients a monthly fee to pay their premiums. This is enough to make me look for another insurance provider. I mean, how low can you go?

They accidentally delete one of my properties from my insurance policy and to date, I am calling them every 2nd day and they haven't resolved the issue yet. It's been over 10 days. Their computer system is always crashing and it is a complete pain to deal with them. I am in process of moving my business to another provider. If it is so painful to deal with them without any issues, what will happen if I were to file a claim.

Do not give your hard-earned money to these people, they are horrible!!! I bought a brand new truck in 2019, it doesn't even have 20000kms yet. I was in an MVC that was no fault of mine, the frame is bent as listed on their quote for repairs. I was told by their adjuster that he will just cut that piece of the frame out and fix it!!! The cab is now deemed unsafe according to the auto standards, they told me they will just cut out that part of the cab and put a new piece in!! They are trying to return my vehicle to me with $30000 damages in OEM parts. They are attempting to put aftermarket parts on my brand new truck and return it to me BLACKLISTED and with no trade-in value!!! My brand new truck! This is how they treat their customers!!! Do not go here! I urge you!! Crooks! It has taken them a month to even get a proper estimate on the repairs! They drag out their claims in hopes you will just roll over for their crooked quotes!

I've been with TD Insurance for over 20 years. This is has been my experience:
1. They only care about new customers; not existing ones. The proof is that when you call, the wait time for the new customer line is typically under 5 minutes and for existing customers, it is at least 1 hour (if you are lucky). The trick is to select "new customer" when calling as they will still help existing customers when you select that option to skip the ridiculous wait times.
2. This past year, they raised my premium by 40%! I had no claims, no tickets and had the same car as the year before. When I called to inquire, they claimed it was because of "my area". That would mean that nearly everyone would have had to be in an accident with that type of increase! Even more unlikely during Covid. I contacted a broker and she found multiple carriers offering insurance at around 40%-50% less than what TD was offering.

I got the app last year to help lower my rates. I used it consistently for a year and was projected a 21% discount on my premium. When renewal came, I did the math myself and turns out I only received about a 10% reduction in my premium. I called support, waited on the phone for 30 minutes and when I explained it to the representative, even he had nothing to say. He said he’d forward my request to a manager and I’d hear within 48 hours. A MONTH later I received 2 missed calls in 2 days (no message left). Two weeks later, I got a letter saying there was information missing on my account. I call and was transferred to customer resolution who gaslit me telling me they only received my request a few weeks ago and left 2 messages and followed all procedures. The reason for the discrepancy is “normal” policy increases. If you can, steer clear of TD Insurance.

Premiums only increase despite not having tickets or claims. I was forced to reduce coverage in order to afford $. There had also been items on my policy that I never approved or knew of.
Service is non-existent. They do not make you feel heard, acknowledge the complaint, express empathy or help. To speak to a supervisor they request for you to receive a callback, which you never receive.
Despite having my card on file and me authorizing payments my policy was almost cancelled due to non-payment. I spent 15 hours/4 calls trying to reach them & sent online messages.
2021 I was charged for updating my mailing address but not told until months later. I was told my premium was a certain $, but an agent 2 calls later told me it was actually less $. I owe them money, somehow, despite them charging my card.
There is a lack of transparency, you have withheld info or told incorrect info, impossible to actually accomplish anything, TD is crooked!

I had been happily insured by Meloche Monnex for 30 years when TD bought them out. At the first annual policy renewal, my insurance increased 86%. The second year another 56%. I complained through all levels of management and their ombudsman with zero effect/reduction. In next two years around 10% increases. More complaints to no avail. This year another 3% increase. Finally, after 34 years with Meloche Monnex/TD I had enough and moved all my 4 vehicles to another insurer. I saved close to 50%/year!!! My advice to all TD Insurance customers: shop around, you are probably paying too much!

I had my tires punctured in the sidewall. Called to open a claim. Explained that one tire went flat a while later the others went flat. The adjuster then twisted my words and told me it's two separate claims and my deductible is now a thousand dollars. Then tried to mix and match tires on my all-wheel drive charger. I questioned the adjuster and he then told me to come to get my car from car star in Halifax. Towed at my expense. Because of this half-wit, I am cancelling my insurance, moving my car loan to another lender and closing my accounts. Beware of these guys. They are the absolute worst.

I signed up with TD Meloche Monnex for my home and auto policy. The first year the rates were good and they offered me an alumni discount. The customer service was great I was happy. Then I received notification that TD/Meloche Monnex was just going to merge. When it came to renewal time my car insurance by itself went up by $900 a year. I called and was like what...? They told me it was because I had a speeding ticket. Well, it was the same speeding ticket I had last year. They couldn't figure it out so they said a manager would follow up. That never happened. I called a month later and they said someone was still looking into it... I never heard back. They tried to tell me I would have to pay a cancellation fee even though I tried to sort this out before my renewal. I asked to speak with someone to dispute that. I never heard back. What a terrible process and on top of that all the representatives were extremely rude. All the representatives for TD/Meloche were wonderful. It's a shame...stay away

It’s hard to communicate with them. No one is answering your emails nor phone calls, for weeks no one will help with the claims!
Omg, having the worse experience ever, they are big with a name but there is NO SERVICE!