TD Insurance Auto Insurance Reviews

I got a letter in the mail saying my insurance was being cancelled because of 1 missed payment. My bank never once notified me that the money tried coming out and couldn’t, which it does any other time, and I always had the money in my account for my insurance anyways. Ended up calling them and they tell me I missed a payment back in MARCH and I got the letter in the mail a couple of days ago which is now AUGUST. They didn’t let me know about this “missed payment” until 5 months later and they go and cancel my insurance on me and I was driving without insurance for a couple of days not having a clue at all until I got the letter. When I called (the guy on the phone was nice, nothing against him), he claimed since my policy was already canceled, I could pay the money I owe and MAYBE go back to monthly payments (apparently it’s up to the computer system after the fact if I can do that or not) OR pay the money and find out I have to start paying yearly if “that’s what the computer decides.” So to continue with them I’d need over $2000 in my bank account for them to take out for the year and start yearly payments. I don’t have that kind of money at all so I switched insurance companies. I’m paying over $100 less now for this one and they are great so far. Really really stupid setup.

I got quoted 3045 for the year for insurance and I paid it in full. But a month and a half later they said I owed another 1479 that I was totally unaware of until I called to cancel my policy on July 27th after selling my car. So instead of getting my refund they just decided to go ahead and take my refund without my consent. Crooks! First of all, I did not get a phone call or a piece of mail regarding this increase. They just said I owed that much when I canceled is this fair? They claim I didn't tell them everything about previous driving convictions but when I ask to hear my recordings from when I set up my policy. They tell me I need to mail in a letter saying it's OK for me to obtain and listen to them. Meanwhile their listening to all of them.
I know what I said I just want my money back. What? Because I missed 1 out of 3 things I get billed 1500 dollars.

Avoid.

- Initially quoted 18 business days to do repairs. Completion date: June 28.
- On June 24, receive an email that the completion date has moved to July 12 - no explanation provided. When I call to find out why I get voicemail. No callback.
- On July 8, receive an email that says the car will be ready on July 12. Excellent - I make plans to use the car the following week
- On July 12, no call, no explanation, when I call I am told the new completion date is July 15. Refuse to provide a rental car.
- On July 15, no call, no explanation, when I call I am told the completion date now July 26
- On July 26, no call, no explanation, when I call I am told the completion date now July 29
- Front line person and adjuster have no idea what is causing the delay. Asked to meet with the manager of the shop as the delay is now more than a month! The manager refuses to meet.
- July 29 comes and goes, receive an email indicating the new date is August 4.
- After more escalation, they finally provided a rental car on Aug 2.
- Eventually got my car back on August 17.

Total repair time: 76 days. No explanation was ever provided for the delays other than "we found additional damage" but provided no explanation as to what that damage was. Except for the first time I never received any proactive communication about changing completion dates, the dates just drifted by and I had to call to find out what was going on. Zero ownership of the problem by TD Adjuster or Shop Manager until finally, someone on the insurance side took action.

One positive: the repair looks like it was done well - but have only had the car back for one day so will monitor.

They are not reliable nor responsible. Don't expect any respect. They don't answer their phone and emails. They don't care about customers at all. When you need their support after paying lots of money monthly, they just leave you alone. They switched many adjusters for one claim. Adjusters don’t have enough knowledge & respect.

Had a truck stolen in early March, then was found so was ready to go through the claims process but my first adjuster just would never answer my calls or emails as I was trying to be proactive on things. Got given a new adjuster and the same thing just doesn’t do anything for me. It is now almost August. That is over 4 months and my vehicle is still sitting around. The body shop waits for the adjuster's word to do things to it to get it back in my hands but no response. So frustrating. Trying to move forward after an awful thing happens to me but absolutely no help.

I guess someone who doesn't have a smartphone is discriminated.
I switched phones and forgot to install TD app, which gave me a $660.00 increase. Wow, way to go TD!

Worst experience ever. Had car less than a month (insurance with TD for only 27 days), was hit by a negligent driver, and TD deemed car total loss. They claimed we were not at fault, yet we were out a car, no rental, and they lowballed us the value of our car. The comparable cars provided were not even similar or available. The TD Auto Centre that we had to take the car to, was a nightmare. They harassed us while we were emptying our belongings out of the car, saying we "didn't own it anymore", and threatened to call the police while we were removing plates. 3 weeks later, they still have not transferred the car out of our name. Spoke with Service Ontario, and let TD know this, and the "total loss adjustor" argued saying they owned the car. We cancelled the policy immediately and will never go back to them again for anything. A manager claimed the "cultural differences" between the Pakistani adjustor and us, which is why she was being mean and rude. Yeah ok. Not buying that. Disgusting service from a company that should be more sympathetic during a stressful time.

Last year I had an accident. It was my fault... I owned it and received a careless. 2nd accident in my life... I'm 52. Today an agent called me saying they will no longer give me insurance because of the careless. What??? Couldn't believe what I was hearing. I cancelled my auto and home insurance as of the end of July. Worst insurance company EVER. I wouldn't suggest going with this company because if you ever make a mistake (life happens) they will drop you like a hot potato. I'm actually disgusted with TD.

My Auto policy was renewed by TD during midterm without any prior notification/communication to me. And Policy amount was increased by 25% again without any prior communication/notification. When I saw an updated monthly charge on my account, I reached out to TD and they said they tried to call me once and I was not reachable so they went ahead with the increase. I filed a complaint with TD and even after 3 months, they have not been able to provide me with any reason why I was not informed about changes to my policy. Very horrible service, never ever going back to TD for any service.

I'm trying to take care of the insurance for my elderly mother with dementia. After a very stressful experience for her with customer service, I was finally able to get her car and house insurance renewed.
Fast forward a month, and I look through all the documentation they sent and there's NO PINK SLIP for the vehicle.
I call back to ask them to send it. I wasted nearly 30 minutes fighting with their phone "screening" system, which can't understand words, gives endless instructions that can't be cut short, and once even hung up on me. I finally get someone who is so concerned with "security" that he can't simply send out the missing pink slips, he has to put me on hold to talk with someone. Seconds later, someone else picks up the call as though it were newly started. I explain I'm waiting. He puts me back on hold. Then I get someone talking over what sounds like his own voice mail who says something about "must have been cut off" and again wants to start from scratch.
Security? Not even security theatre! Easily one of the most pathetic excuses for customer service I've dealt with. Ever.
Incompetence. Terrible system. Lousy customer service. EXTREMELY lousy customer service.
And still no pink slip.
So, because of TD Insurance's own screw-up, I'm going to have to let their "customer service" torment my mother again on the weekend.
Thanks for nothing.