TD Insurance Auto Insurance Reviews

I had TD car insurance for 15 months until I sold my car and went to travel. I was told I will receive my reimbursement for over within 2 weeks as a direct debit to my bank account. It has been 6 weeks so far and I have not received anything yet. The customer service is frustrating and horrible. Had to wait hours on a phone to finally to talk to a real person. I suggest avoiding this TD insurance at all costs!

I had 3 accidents. Two last year and one just about 2 weeks ago. I have switched insurance companies now. I got a phone call from where my car was being repaired. It was stated that I was showing a 500 deduction for at fault. I then call TD to inquire about such a claim and it was confirmed. So I need to pay another 500 out of pocket because they say I rear-ended him. Now almost 10 am and 1 claims adjuster. Done. Glad I switched

I got in a car accident on March 11, 2018. At first, everything seemed to go smoothly with TD insurance; they set up my rental car very efficiently. My car (a base model 2015 Ford Focus SE) was towed to the body shop for an assessment. A couple days later I heard from the body shop. Their preliminary assessment being $10,300. However, they couldn't remove the bumper to look underneath in order to see any further damages as they couldn't get the car up on a hoist because of the significant damage. My Ford had a previous $8600 claim (winter 2016) from a construction truck clipping the roof. During this 2018 claim, TD insurance initially valued my Ford Focus at $13000. Which would make sense if my Focus didn't have any previous claims. Unfortunately, TD insurance doesn't take previous claims into consideration. They only give you market value for your vehicle. The thing is TD, you're not repairing just any Ford Focus, you're repairing mine. This makes you feel like you're being treated like a number in the process line. This is super insulting for a customer as I would like to be treated as an individual, and you should treat each case based on individual information like you do when you raise my insurance premium. Also, this doesn't relate to actual life. If I were to sell/trade in my vehicle, you better believe they would take a previous claim into consideration of the value. My car at best with a previous claim would be worth $9000. So, of course, I asked why it isn't being written off. The agent on the phone looked into my file and flat out told me the reason why it isn't being written off is because I have replacement insurance on it. Umm.. excuse me! So you're telling me because TD Insurance has to pay me out the full value of the vehicle, they're deciding it's not a write-off... And believe me, I get it. It's far more cost-effective to pay out $10,000 instead of paying $21,000. But sorry, if this isn't a service you stand strongly behind, you shouldn't offer it in the first place. This is beyond insulting! I wouldn't have paid extra to have this service added to my policy in the first place if I would have known you wouldn't stand behind it. The agent goes on to tell me that having replacement insurance holds the value of the car at what I bought it for. Again, this doesn't relate to life because as soon as I drive that car off the lot, it depreciates. As I put KM's on it, it depreciates. I asked to see if my adjuster could contact me regarding my concerns. He called me next week on Wednesday, March 21st to tell me that he was submitting the car as a total loss and that he would follow up with me by the end of the week or early next week. 2 weeks have gone by and I haven't had any follow-up. I called TD on April 2nd, I spent 2 hours on hold and never got through. I called again later, spent another hour on hold and again never got through to anyone. April 3rd, I did receive a call from the body shop saying that it will be getting towed away because it's a total loss. So I wanted to get confirmation from TD as their follow-up has been non-existent. I called again April 3rd and spent another hour on hold, never got through. I called again later the same day and finally got through only to hear that it's not a total loss, that now the value of the vehicle went up from $13,000 to $16,000. This is absolutely ridiculous. How did the value of my Focus just jump up $3000? I've been with TD Insurance for almost 10 years and I'm extremely insulted by the lack of care and respect for my concerns I've gotten. That car is only going to be worth $2000-$3000 at best after this repair. A car which I have $15,000 remaining owing on it that's on a lease through Ford which also has gap insurance. So essentially any underside down TD insurance has, Ford will cover the difference. This is a huge disservice to your customer. I've never been so insulted by a company who I've been a loyal customer with for this long. To be treated like a number. Like nothing but a policy number! And have zero customer service follow-up is insulting. I hope that TD insurance does the right thing. Otherwise, I will be taking my business elsewhere. Maybe somewhere I get treated like an individual like everyone deserves to be treated. Sincerely, a very unimpressed customer, Aaron M.

TD Insurance takes advantage of the little guys. Auto accident with the at-fault driver admitting fault at the scene. Also unbiased witnesses on scene and 1st responders, by chance on location, as witnesses too. Police Charged TD Insurance driver but after 1 year TD Insurance has failed to repair nor pay out the victim ( the other driver). The victim had a green light going straight thru an intersection but was T-boned by TD Insurance Driver who failed to yield to oncoming traffic and made an unsafe left turn plowing into an innocent driver.

I work for TD but TD insurance experience was the worst. No one follows up on a claim and I had to call a number of times to get an update. Been over 2 months since the accident and I haven't heard anything from insurance, so I had to make a call to find out my claim adjust left the firm and new adjuster never contacted me. No one is proactive and takes forever for any claims. NOT recommend at all!

Had a house fire, they don't want to cover it. They're lazy and don't answer the texts or calls. They try to get out of every situation of spending money.

I called TD insurance to get a quote for my second car I am going to lease. I have my home and auto insurance with TD. The guy, Jamie couldn't help me at all. Instead of asking my insurance policy number he asked lots of questions which I have no idea what the reason was for. They couldn't give me the quote. I am about to lose the deal on leasing car since I have to compare 3 cars together and I will definitely switch to another company.

They keep increasing their prices. Before I was paying 110/month then they renewed my policy with the increase of 200$ premium then they gave me 133$/month. Somehow I talked with them 2-3 times then they decreased to 127.83. I have no accidents, no tickets. But they increased my insurance premium.

They recommended that i get this scam of a towing company over the phone and then refused to foot the $550 towing bill. We also thoght we had collision coverage because they were charging us 40% more than what statefarm quoted us for liability coverage, turns out theyre just ridiculously expensive! I mean all this money to buy a lesson, but this is the stupidest thing ive ever had to deal with. We also apprently got a 30% discount using our university, so what are the rest of you paying for this awful coverage?

I had to submit a claim where I was parallel parking, legally, using a blinker, and someone hit me from behind while I was pulling in on an enormously wide road with no other cars. TD gave me 50% fault and was threatening to bring it up to 100% when I argued. They are bullies. I read through all the rules and repeated that any instance where someone pulling into a spot is hit it is always the other person's fault. They could not give me any reason it was my fault. They said things like “the other party is refusing to accept blame”... does that mean they don’t deserve any fault? Because they refuse to accept it? TD just wants your money. They are not on your side. I argued and eventually just paid and I am planning on changing companies. I have no problems with TD banking but do yourself a favour and avoid TD insurance.