TD Insurance Auto Insurance Reviews

I am paying $190 per month (extra $30) for their program that when I got into a collision they will replace my vehicle with a brand new one (since my car was brand new in 2015 until now). But when I just want to claim for a Hail Damage, they want me to pay $1000 for it. I thought I had a good coverage but turns out that all the money that I paid was just a waste. Not to mention that I waited for more than an hour on hold to talk to the Claims Department agent. What a waste of money and time. I had a bad experience with TD when they screw up my Property Tax, now another bad experience with their TD insurance. NEVER AGAIN WITH TD.

I've had over 10 accidents, all non-fault. So my story begins, I have a previous accident some time before or after June 2017. I had anxiety and was currently off work due to these issues, so I get an email from my very rude advisor stating I was 100 percent at fault, when I inquired "did you get a police report" (I always call the police, especially in this case). She said "no, I didn't need to bother because his story matches with yours". I was very upset, to say the least, I told her "go get a police report before you decide without knowing the facts". Needless to say, it came back 100 percent his fault, which then I received a very unpleasant email, rude and almost snarky. I called the office and spoke to the manager with nothing in the end. Second time I claimed, which was at the end of Aug, again police involved etc. The day I pick my car up telling me again I owe 250 because of it being 50/50. We are now in November without a police report coming back, again, same rude service. Now today I had picked up my car after someone had changed lanes on November 1st, and hit me. I went in to pick it up and was told I need to pay 500. (Mind you, I called a few days before and they confirmed that the other party was at fault) I phoned them to speak to a total slob. (Which they never called me to let me know my car was ready, or, well, anything, really, during the time my car was in getting repaired.) When I inquired about what was going, I was told that they are still "looking" into it. I said the car was hit over 2 weeks ago, with no response to that. She then said "oh, the deductible is 250". Now I'm out 500 dollars with no explanation. I'll never recommend TD Insurance to anyone.

Very unprofessional when being the customer and not being listened to. The insurance rep told me that I should now let others hit me instead of being safe otherwise I’m at fault. I think after 15 years with this company it’s time to find someone who actually cares for their customers and who actually supports your side.

Very bad customer services. I called them today to change my address and the woman was yelling at me idk why and her behaviour was so bad with me and I talked to the manager and she did not do anything

I had a horrible experience with TD insurance when you leave you really never ever want to go back. They do not have the best rates. TD insurance does not do a good job in customer service because they do not explain completely everything before a new task or changing something within your account. This is why I don't find TD insurance a good company to be taking my money towards their products.

I wanted to add a new car on my existing car insurance policy...Now its more than an hour and I'm still on hold.

2 years after a car accident leaving myself and my girlfriend with long time injuries, we're still dealing with TD insurance, fighting for a proper settlement. Especially after being dropped by the company even though we were t-boned, and wasn't our fault. If you ever need to deal with them they hardly any help, and provided awful service. I would recommend going with someone else, even for banking.

Wait times for telephone contact are frequently over an hour long. Some advisers are more knowledgeable than others and usually I get different answers to the same questions when making changes to my policies. I'm not sure that the amount I pay is competitive anymore given the number of items I insure. Claim however was very efficiently handled.

I had an accident a year ago. I was rear-ended. The emergency services recommended that I pull to the side due to safety (which I told my TD adjuster and she said "I hate it when they do that"). I didn't feel safe at the location of the accident since it was a major highway. #1) No sympathy or understanding from the adjuster. Then, it was clear that I was hit from behind, the guy was tailgating and didn't have enough space to avoid me when I had to stop due to the car in front. How am I at fault when I was the one hit? You go and talk to their adjuster. I had to pay 50/50. #2) My adjuster never came to look at my vehicle. The other party's adjuster did, for damage estimation purpose. #3) My adjuster looked for faults in my statement and even yelled back at me. I was frustrated with the situation and obviously it was voiced through my tone. You'd think she would be professional about it. #4) I find out from the other party's adjuster that it was to be settled through 50/50, me holding half the fault. I asked if they could access road cameras or dash cams to view the evidence since the other party hit me at a major exit/highway location. Obviously, they said no. #5) The other party is also with TD Insurance, which makes me wonder if the company did not do this just to profit themselves since now I have an at-fault record and will have to stay with them if I don't want to pay double my premium with other companies for at least 5 years.

Waiting to talk to a representative right now. I've been waiting 50 minutes now and I'm still waiting...

The announcement at the beginning of the call said "more than 5 minutes" , that's a huge understatement !!

Reading the comments, I see that I'm not alone in that situation. How can a reputable company tolerate such crappy performance?

I'm a long standing TD banking customer. No complaints there, but the insurance dept. is really something else. Just because of that stupid delay, I will take my insurance business somewhere else...

Way to go TD insurance !!