TD Insurance Auto Insurance Reviews

TD Insurance is a scam. I was with them for 7 years. My experiences have been horrific, from a claim rejection nightmare to the highest rates I’ve ever seen. I moved to BC and SAVED $2000 a year on one truck.
TD says they insure you but they do not. It’s a smokescreen. They say you’re covered but what they neglect to add “just kidding, you’re not covered at all, we just keep your money...”
The absolute worst experience I’ve ever had with any insurance. A person would be better off burning their money than spending it at TD.

0 stars isn't an option. Anything that was accomplished on my claim was solely because I did it. I went through 4 advisors over 2.5 months and they're all completely lost. My last 2 advisors were with a 3rd party company and in a different time zone. One advisor refused to use a phone. Multiple mistakes, had to explain how my policy works to the advisors. Save your money for a company that will at least do some work. I've been waiting 2 months for 2 separate escalation calls. Service doesn't exist here. No one at TD Insurance cares about you.

All these years I was mistakenly thinking this was one of the best insurances and always was wondering you they receive such negative feedback.
Now I completely understand and you will understand once you have a claim with them (Hopefully you will never have one) especially when you are completely at no fault and they will try to reduce the cost as much as possible of the other insurance company at this time only you will start the feel of frustration.
I will try to do my best to reach out to all of these people and friends whom I referred to use TD insurance and would say sorry please don't.
You start to feel very bad when your adjuster notify you that even you have 5 years replacement cost we can't declare it total loss as the replacement cost will cost the insurance more than the actual value of the car even if the customer who at no fault would lose the trade-in value of his car so this 5 years replacement cost actually works against insurance holder as insurance always will go to repair option to save and work on their best interest or other insurance best interest at the end the consumer who will get punished.
Even I told them I already had a signed trade in a week before the accident with deposit paid and the dealer would refuse to take it, but TD wouldn't understand that. No choice - other than the legal case which is time-wasting for everyone that is exactly how no-fault people can feel.
Please always consider many criteria before you decide about your new insurance company it's not only the premium.

No communication, no response, lack of professionalism. The individual had not responded to phone calls or my emails ( which I left well more than 20). This individual only responded when one of their co-workers called me and sounded disturbed that this agent had not communicated properly.

I had a billing issue with TD, they double charged me one month without informing me, and after addressing the issue on the same day I was billed, it has now taken me 8 days (technically 5 business days) of literally hours on the phone, multiple calls and callbacks with multiple agents, call reviews from calls I made months ago to ensure they were actually at fault (thanks for taking my word, a loyal client for years)... hours of wait times... All to get to the very simple conclusion today of reimbursing my account for the extra month I was charged... Maybe the worst customer service experience I have ever had. That said they were all, maybe like 8 in total!!! Very polite and apologetic, however very very inefficient.

More than 20 years with Monnex Insurance (cars and home), before the money-hungry TD, took them over. I called to discuss my renewal - very long wait time just to answer the phone (more than 45 min), and then they intentionally drop me after a got through and verified myself etc. They will not call you back (the cut was intentional) - TD keep increasing year over year, and I keep reducing my coverage to save. Now I have bare-bones coverage, zero climes car and hose, and they still increasing the premiums. I can not find any justification, except that TD is just a money-hungry, and its time for me to look for another co,

Last week I tried to obtain a TD Insurance car quote online about 7 times, each of them ending "we are experiencing issues..., contact us 1-877...) So I called and ended up listening to the hold music for 2h 48m for TD Insurance Call Centre agent. After I got a quote, I was given a case number and was instructed to call back with a VIN number once I have the car. I asked whether there is another number for already existing pre-filled quotes and learnt that no, I would have to call 1-877 again and wait for over 2 hours to get a policy. Today, I spent 3h 56 minutes from 12:03pm to 3:59pm listening sickening music that makes you brain dead, after which the call dropped. As I need to pick up my car today and I do not have another policy, I called back. It has been already 2h 12m as I am on the second bout of sickening hold music, completely drained after the current total 6 h 8 minutes hold. And I don't know how it will go once I reach 4 hours again.