TD Insurance Auto Insurance Reviews

Bill J.'s review of Td Insurance Home and Auto

TD Insurance sucks! I still don't have my vehicle insurance cards after calling twice to have them sent out! They don't want any risk either. They wouldn't touch me with a ten foot pole cause I wanted a wood stove. So I said fine, I will use heat pumps. But I was not happy I couldn't do this at least as a secondary heating source. Wood stoves are fine if properly installed (WET certified )and cleaned yearly. Then I wanted insurance for our daycare, but we have a secured above ground pool. NOPE! TD doesn't insure anyone with a pool and a small daycare. Wait...what? If the pool is 100% secured to their liking why not? Cause they just want your money with little to no risk. Completely unproffessional on the phone. One lady was even annoyed that I had a new driver in the house that wasn't noted on the policy yet. Sheesh...sorry! I will be moving away from this company, I can only imagine what a claim would be like getting done. No thanks.

Yes premium prices are one of the lowest out there, but apparently for a reason. A nightmare to deal with on all of my claims, frequently puts rates up with no explanation or reason (after being on hold for 30 minutes they cant even explain why except changes to market etc etc). Having a terrible time dealing with my physiotherapy right now, will be changing companies as soon as things are resolved. As with other people, if there was a no star option for Customer Service and especially Claim Service I would use it.

I had an accident where an impact (verified by mechanic) caused my rad to leak and engine to burn out. T.D. refused to settle and dragged out the claim for months. Christina (adjuster) talked with me twice. Other staff were rude hard nosed and dishonest. Met with "Keith" an investigator who said a "denied claim will result in facility insurance" and intimidated me. I withdrew my claim and later thought that I would still want to purse it. On being contacted by Keith he simply yelled "fraud fraud" into the phone and insisted on a police report after the fact (no such a thing -there are accident reporting centers that you must report to in 48 hours -I had reported mine directly after the fact to T.D. Do not insure your car there - they apparently do not pay out a lot of claims (I am out 3000 for new engine, repairs to rad travelling and hotel-all supposed to be covered by T.D. P.S. claims dept ONLY calls or not taped-BEWARE.

I had the claim with this insurer and they increased my premium without knowing the fact that i wasnt involve in the accident

I had a claim, the adjuster contacted me but wouldn't respond to further communication. I learned later that the adjuster was changed, and the new adjuster wouldn't respond until after weeks of trying to contact. The new adjuster eventually sends a Proof of Loss which I signed and sent, but won't respond to my emails or phone calls on follow up of the settlement. Very hard company to deal with if you have a claim.

Last year Nov, in a no-fault incident, my car was total loss. However, no agent contacts me after a whole month while I need the insurance coverage to rent a car. I have to wait on the phone line and after several attempts I finally reach the supervisor. I was told the agent who handling my case is not at the office and now another agent is assigned. Afterward, the compensation amount is far below market value of my hit vehicle, and it cost me one more week to bargain with the agent for a reasonable price. I immediately cancel it once the coverage period is over, still I need to schedule a phone call in order to cancel it. The customer service has bad attitude and does not care if I cancel it or not. Overall, price isn't attractive, bad CS, worst claim experience. I will NEVER use any service from TD, including bank service.

I am very disappointed with TD Insurance due to their poor customer service and lack of communication. In August 2023, I was driving in heavy rain, and water damaged my car engine, causing it to stop working. I filed a claim immediately and explained my situation. Despite my concerns, TD Insurance insisted on repairing the engine instead of writing off the vehicle. This is a family car, and replacing the engine raises serious safety and reliability issues. The car has been sitting exposed to snow and rain for over a year, which could cause further damage, including rust and other safety problems. To make matters worse, I have been trying to contact my claims' advisor, but each time I get no response to my emails or phone calls. I also requested a rental vehicle, but no one has addressed my requests. This experience has been incredibly frustrating and stressful for my family. I pay full insurance premiums, yet I have received no service or resolution for my claim. The lack of communication and disregard for my safety concerns is unacceptable. I urge TD Insurance to take responsibility for their customer service and address claims in a timely and respectful manner.

I would not recommend TD Insurance to anyone based on this experience.

I had an extremely frustrating experience with this TD insurance. From the very beginning, communication was a nightmare. They rarely respond to emails or phone calls, and when they do, it's always with a rude and dismissive tone. Every time I ask for information or clarification, I’m met with vague, unhelpful answers. It's clear that customer service is not a priority here, and it's impossible to get the support I need. I would not recommend them to anyone — it's been nothing but wasted time, money, and frustration.

My vehicle was involved in a car vs. pole collision in August. I was woken up in the middle of the night and given this news by police, my partner decided to take my car without asking and fell asleep behind the wheel, totaling my brand-new SUV. I filed a claim within the hour, police file #included. The next day I was contacted by a man who told me I should know in 7-10 business days if they're going to approve the claim. 13 days later I was notified the claim would be approved and had a rental set up while waiting for them to confirm a total loss. 13 days later the rental company tells me insurance was pulling coverage the next business days, which I thought meant they deemed it a loss, I sent TD the bill of sale as I have the depreciation clause, and they requested it the week prior. An hour after sending it in, I was contacted by another rep from TD and told she was special investigations. She made me answer all the same questions again. Multiple times. Questioned my story about being asleep when police arrived and accused me of giving the keys to my boyfriend, tried to say he lives with me as an uninsured driver, then tried to say he was drunk. She tried to say there was no police report in the file, contrary to the prior rep who had the file in front of him in our last call. When I asked how long she would take to do her investigation, she stated it would take as long as it takes for her to be satisfied. I faxed her every document she requested beginning of September, then crickets. She did not return my voicemails or emails for over a month. Last week I had enough and emailed again, my displeasure was quite obvious, I threatened a lawyer if she continued to ignore me. Like magic, 45 minutes later, she calls me. Tells me she has confirmed my story as truthful, and I'll be getting the claim settled... That I would hear from someone on the meritorious team within the next couple of days... 9 days later, and I have yet to have any more contact. All while I'm still paying for my 2024 SUV that I haven't had in 14 weeks as well as paying insurance on it... And paying out of pocket for a rental… My initial 7-10 business days for a decision is currently 14 weeks and counting. Do yourself a favor and avoid this company at all costs.