TD Insurance Auto Insurance Reviews

I was t-boned on highway August 9-2015. The driver who caused the accident was convicted and charged but TD insurance failed to look after my injuries for past 3 years I have been in and out of hospital with many surgeries with TD insurance refusing to pay my medical and medications

I recently sold my vehicle and cancelled my insurance. I was told it took 3 business days to be given a refund back to my credit card. After 3 weeks, I called to advise and they said: "oh it will be there either Monday or Friday". Now it's been over a month and still no refund!! This is MY money and with this day and age of computers, the fact that they take 6-8 weeks is utterly pathetic!! Also the fact that the girl told me 3 days is a lie. Then in order to follow up with someone, you have to wait on the phone for 30-60 minutes. BE PREPARED TO WAIT SHOULD YOU EVER EXPECT A REFUND. FUNNY THING IS IT TAKES THEM 30 SECONDS TO TAKE MONEY FROM YOU!!!

My car was totalled in an accident that the other party claimed full liability. My insurance adjuster lowballed me by $1500 to $2000 in their valuation "offer". Their "offer" conveniently omitted the 5% GST I'd need to pay to buy another car. I did several hours of due diligence and found ample proof that if I had to buy the exact same vehicle in the same condition, I would actually be paying $2000 to $3500 MORE than their lowball offer. My due diligence was rejected outright and I was told I could hire an independent estimator, which I did. TD's adjuster didn't even call him after receiving his report, which was almost the exact same valuation as my initial research indicated. They rejected his report outright, as well. I tried talking to my adjuster's manager, but as decent as he seemed over the phone, he didn't do anything to improve TD's "offer". I was basically told I had to enter the DRP process.

What infuriates me the most is that these people were so inflexible, uncompromising and uncooperative. It's as if their JD Power 10-minute internet car valuation is the ONLY one that exists, and no other estimate is relevant. I absolutely could not believe this. No matter how much evidence the insured finds to prove their valuation, it's meaningless to TD Insurance. That's why I've put "offer" in quotes everywhere above because there IS no "offer". It's either take it or screw off.

If you're considering TD Insurance, you BETTER hope you don't need to file a claim if your car gets totalled, because YOU will get totalled, too.

Needless to say, I'll be shopping around for another provider after 30+ years and I estimate $35,000 spent in their coffers resulted in their adjusters quibbling over $1500 - $2000...they're losing a great paying client just to save TD such a pittance. Congratulations, boys!

Bad services. Bad customer service and expensive. Go elsewhere cheaper and with better honest customer services such as Belaire or State Farm.

Called 3 times attempting to buy insurance, each time was told my quote needed to be approved by upper management. I was told each time I’d receive “an email,” “a call in 30 minutes,” and “an email in 3-5 days” once management had looked it over. I didn’t receive any of the 3. Each time I called back and had to answer all the same questions, taking 50 minutes on all three calls. If it’s this difficult to PURCHASE insurance, I can’t imagine how difficult it would be to make a CLAIM. I hung up and called a different provider and had insurance in one hour.

Create trouble for anything you want to do with them, even for simple cancellation. Not recommending anyone to go with them.

I have waited on hold for 45 minutes twice and still have not been able to make my claim. This is my Third call and I've been on hold now for 21 minutes and counting. This is crazy!

My auto insurance renewal was before I changed the car. Customer care gave me quote but the time of renewal premium was upside down. Customer representative did not act in a professional manner. Coughing on phone very loudly and interrupting my conversation. Finally, I ended the call hanging up on her.