TD Insurance Auto Insurance Reviews

Checked my bank account to find out TD has taken more than double my premium from my account without any type of warning causing my mortgage to bounce and I incurred 2 NSF charges! When I finally got through to a real person to point out their mistake, I was told that this is what TD does to insure a policy renewal, and they will gladly give me my NSF charges back when I prove to them it was actually taken from my accounts. They are modern-day pirates out for only one thing... Profits! They couldn't care less about their clients. RUN as fast as you can from these people. I will be informing all my friends, relatives and colleagues of the way TD treat their clients!

And I thought my TD Assurance story was over. In November I had given TD Assurance explicit written directions that they were not to renew my policy automatically and that I wanted a quote at the termination of the current policy so I could make a decision.
Last Wednesday although my policy was completely paid for TD attempted to put another payment through my bank account. Fortunately, there wasn't enough money in that particular account and the payment bounced. The bank (not TD) did charge me an NSF fee which they subsequently gave me back once I explained to them what had happened. Then on Friday, I got a notice from TD Assurance that they had auto-renewed my policy at a rate that was double what I had negotiated with the new company for exactly the same terms as my original policy.
WARNING - DO NOT GIVE TD ASSURANCE YOUR BANKING INFORMATION. SHOP AROUND FOR INSURANCE RATES. TD Assurance rates are usury.

Make sure that you say "I AM CANCELLING MY INSURANCE. I AM NOT RENEWING. I DO NOT WANT TO BE INSURED BY YOUR COMPANY ANYMORE." Otherwise, they send you a $200 penalty invoice 2 months later for a service that you stopped paying for and did not use since the end of the term. Competitive rates, yes. Word traps and gouging after the fact, absolutely. Steer clear of them.

They don’t answer your call and want to do everything by apps! When you can’t do everything with the app then you are lost! Don’t deal with these people!

They have too few customer service reps. When I finally got through I was told how the charges would go through to which I agreed. They didn't go through as agreed (charged to credit card) and debited my bank account without my permission. Since there was a balance outstanding, because the full amount wasn't debited, I couldn't get access to my account online because there was a balance outstanding? Ridiculous...

I have been a customer for over 25 years. I have tried on a number of occasions to get through to them as a result of a call from them saying I need to review my auto policy.

The wait time is ridiculous. Their message just repeats on a loop, plus there is no opportunity to request a callback and no indication as to how long you will have to wait.

I know from past experience when you do finally get through, they are good to deal with, but getting to them is next to impossible. TD, you really need to do something to fix this issue.

Overpriced paying $100 less than my truck payments and have a clean driving record. They never take out money when they are supposed to say on my yearly bill chart that payments are going to be taken on the 18th of every month but rarely ever do its usually either my car insurance or my rental insurance one day and the other a day or 2 later. Then if I don't notice they haven't taken it and use it I get charged $45 by the bank and get a late fee from them when if they would take it out when they are supposed to the money would be there

For 3 days I've been trying to reach TD Insurance. I've waited on hold for 14 hours total. I even set alarms to call right when they say the line opens (both today and yesterday). All I want is to update my contact info so that I can access my policy. When I try to do this online, it says I need to call in, but nobody answers the phone. They don't care at all about their policyholders. This is a nightmare, and this is horrible customer service. There was no delay in taking my payment however - that was processed immediately!

They are harder to reach than Bell Canada and Rogers combined but if that's not bad bad enough, you have to hear French while you wait for hours for no one to answer.

This has been going on since Covid started and that's the excuse they're using.

I've been with them for a long time but it's time to go, they are completely useless now.

Been on hold for 4 hours
Coming up on 19:00 Eastern
No Estimated wait time
Just mind-numbing music record loop
This is how TD Treats existing customers now.

I am going to follow APEGA's advice and change to another insurer