TD Insurance Auto Insurance Reviews

I wish I could give them less than 1 star. I have a car that I need to add to my policy, but I've been on hold for over an hour for the last three days. I don't think they have any advisors and have gone out of business. I'm also looking for house insurance so as soon as the insurance broker that I contacted me for that calls me back, I'll be finding a new company for car insurance as well. Bye-bye TD.

Long waiting hours. Uneducated customer representatives. They don’t know how to talk to a customer. I waited for an hour and I was talking very gently to him but all of a sudden he hanged up on me without even completing my request. Disappointed.

Over two hours on hold with them prior to COVID. Since then I had to call them twice to cancel my insurance with them I've spent 7 hours on hold with them in the last week just trying to get my last month's payment out of them. By the way, even if the customer service representative won't cancel your insurance for you when you call they won't give you your last month/deposit back they charge you the exact amount of money to cancel. When you buy your insurance with them they say you going to pay the first and last month's insurance payment but that's not the truth. They actually charged me $260 upfront and my insurance was quoted at $117. I was supposed to get half of that back but they just do what insurance companies are good at the lie and lie some more to take your money and when you have a claim they will do everything in there power not to pay you. Also, they didn't even call me to spike my insurance premium they just took money out of my bank account without my permission!!! Also, they will not communicate with you via email so you have to spend a ton of time on the phone just waiting to talk to a person that really only seems to be interested in taking your money! Because of my experience with this company, I will never even consider using TD bank for anything not even for a mortgage. They have lost a customer for life. There are cheaper better rates out there too. With better companies. I save $40 a month by switching with the same coverage!

Good luck getting to talk to anyone. When finally manage to, the line drops. Multiple times. If you live in Alberta and call them, they need to transfer you to a representative in AB (no direct # to call for Alberta) = another hour waiting.

Requested callback function but when the phone rang, TD automated message said technical difficulties. Then tried waiting on hold instead, had to wait 95+ minutes. Terrible service. Also took a long time to get a quote on the claim amount.

For any change in service of auto insurance, you have to hold the call for one and a half hours.

I had another insurance for 6 years, but a year ago I got a good rate on Auto Insurance from TD Bank. So I signed up for both home and auto insurance with them. Being a single person and driver with 19+ driving history and no claims or tickets in 19 years, and with 887/900 credit score, I consider myself a good customer. To my dismay, I received renewal documents from TD insurance a week (!) before the renewal date and with a $500/year increase in premium. How would you call this insurance? I call it scam artists. Needless to say, I switched back to the previous insurance and do NOT recommend anyone to use TD Insurance neither for home nor for auto. They'll lure you in just to hit you with a 25% increase the following year. Shame on you TD!

They play the waiting game and dodge communications to avoid paying claims! Horrible human beings hired as representatives and "managers" who don't care and seem to be incentivized to rip you off. I had a simple not-at-fault accident and they wasted months of back and forth, switched me to another representative after mine had gone unresponsive for months and now claim the one year is passed and that I will not be paid what I was due. Go anywhere else but here is you want to be "covered"... can't call it coverage if they don't pay!

Had a collision claim 5 months ago, Was very bad experience with TD, they tend to prolong the matter intentionally to pay as little as possible, requested to escalate the claim but the internal escalation is not done effectively. I had to contact a lawyer and after he wrote them they resolved the claim and covered all expenses 2 days later. Their operation is no different than a scam artist.

My own experience was on 2 occasions TD insurance made a charge on my account before the agreed-upon date thus leading to an NSF charge from them. On each of those occasions, they on their own suggested a new day for taking out but still, they were inconsistent with the days. What I can't seem to understand is why the inconsistency and if this was pecuiliar to me. Anyways, I am just got a few months left and switching for sure. My fear is I hope when I cancel they don't hit my account again.