TD Insurance Auto Insurance Reviews

I have only been a TD customer for a few years with a clean record. Last year (2015) I had a claim after an animal hit and this year my husband had a accident and wrote off his car. The claim and payout was fairly quick but then they refused to insure the replacement car. Its a 2011 crown vic - former police car. I have been fighting with them for 4 days over this and today got told to look around for another insurance company just in case as there is no guarantee they will insure it even after jumping through all their hoops.

If you are the kind of person who values customer service stay away. They have the worst customer service ever. I cant tell how bad I feel. Low cost was the only factor that took me.

I called twice for getting a new quote because I am going to move in April. For the first time I called, the new quote is double of my current rate, even the new location is only one block away. But the one who answered my call was pretty nice, he said he's not going to change anything at the moment, and told me to go shop around first since they raise a lot and I still have time. However, some friends recommended me to call again because the guy might mess up my quote. For the second time I called, the experience is horrible. At the beginning, the guy told me to call again since the quotation will not be accurate because it is more than 30 days. I had to tell him what happened before like begging him to do me a favor, then he started to do my quote. Then he gave me the same quote like the first time, and be like your previous premium is cheap because of our system error since I lived in north of Ontario before. I moved to Toronto for few years already, and I moved for like 2 or 3 times, now you're telling me all of these got system error. Ridiculous. And he instantly raise my premium of renewal, even I received the renewal notice letter like few weeks ago. I am totally gonna cancel TD insurance.

I had an accident and my car was a write off, they wanted to fix it but I said I dont want it to be fixed, they gave me a bit of hard time at first but then they went a head and written it off, the amount was fair, and handled within reasonable time

Having had my auto insurance jump 29.3% I thought that I'd ask why. I did not get an honest or accurate answer. I was told that it was "probably" because my policy was bundled with other peoples policies (a form of "group" insurance) that have had substantial claims. I also asked FSCO (Financial Services Commission of Ontario) to look into the matter and they couldn't even get an answer. Bottom line: According to TD, the government has apparently allowed them to raise my rates without cause or justification (at least not explainable to me or FSCO). I would have been a lot happier if they were at least truthful with the matter. As such I'm looking elsewhere. And don't get me started with their home insurance either (that one I'm cancelling). Otherwise, their rates aren't astronomical nor cheap - about average plus in my opinion. So much for good treatment and honesty after being on the same policy for over 20 years (even with a clean license and no claims in the last 15+ years).

Be prepared for long wait times and for someone to tell you something completely different everytime you call! This is, by far, the worst experience I've had. And expect lots of attitude from the representatives and to be hung up on when you ask to speak to a manager. Also, don't expect any call backs from them when they say they will. They just want to finish the call with you and never hear from you again.

I had a claim with this company. The claim was done under Property Insurance to cover my loss from apartment robbery. It took us two months to gather all evidences about values I had and lost, to consider those evidences by insurance officer, to prove insurance payment (less than I claimed) and transfer it to me.

Next renew period they increased my Car Insurance by 50% which was, per my suspicion, done to return their spenditures from Property Insurance. I consider this bizarre.