TD Insurance Auto Insurance Reviews

Even if you are not insured with TD Insurance you may unfortunately need their service if an impaired driver hits your car is insured with them! This happened to me couple of months ago. I had a minor collision which needed some body work. TD appraiser, after 5 minutes of inspection, decided that my car (which didn’t make yet 160,000 km) should be totalled. The adjuster tried to scare me with all his might about keeping my salvaged car (and the expenses involved in bringing back to the road) but I insisted on it. They paid me as little as they could. It is somewhat a hassle to bring it back to the road a written off car but I managed to repair it at an inexpensive body repair shop and to pay for the expensive inspection ($450) from the settlement money of TD insurance, with no need to add anything out of pocket.
About 7 years ago I had the same scenario with another insurance company who wanted to total my car for the same reason (the repair would cost more than car value). When I refused to give away my car we settled for a smaller amount of money, they didn’t write off the car, and I got refunded for car rental, and didn’t need to go thru the hassle of inspection to bring it back on the road.
Why is TD Insurance company so eager to total cars? They can repair them and resale them, and make good money. Also, TD insurance agreed to pay for only 3 days (!) car rental and not for the whole period of negotiation and settlement, because (they said) it’s a salvage car. So, we think we know all the tricks of insurance companies, but each time you learn something new about the level of their expertise in squeezing more money from the public. By the way, when the inspection person took a look at my damaged car he laughed upon seeing how TD insurance tried to have a steal deal from the potential resale of it. If this car was considered “salvage” then probably 50% of the vehicle on the road should be salvaged as well.

I switched to TD auto insurance just two months ago and am already done with this company to not fault but their own.
Apparently I failed to send all documents needed and received a letter this past Friday that my policy was canceled as of today. How nice to give me two day notice. The letter stated they made numerous attempts to get a hold of me and were unsuccessful. I needed to simply fax two documents which I did. Apparently they received one and not the other. Without contacting me over this simple matter they cancel my policy?
I called them and the woman said it was indeed over that tiny mishap and to fax the letter the following day and they would fix the matter. I refuse to deal with a company who treats me like this. The very next day I called up a different company and am actually saving $75/month. I simply faxed the two documents needed and poof had an agreed insurance policy with a new company. If only TD had actually contacted me before canceling the policy since I clearly had the documents they needed. I won't ever choose TD for anything, Ever.

Have been with TD Insurance - Auto - for over 6 years.

Always predictable and terrible customer "Service". Quotation marks added for sarcasm.

Very tough time getting any information or changes actually inputted correctly.

Client personnel are not very helpful. Not satisfied with TD Auto Insurance AT ALL.

With that said, I'm VERY HAPPY to be moving to another insurance company! :)

I called TD's insurance, got a competitive quote, and applied for the insurance at the same day I bought my car. Three weeks later without hearing from them, I called again and I was informed that I am going to receive it in few days. I received in few days a letter from them asking for further documents that they didn't ask for from the start. I sent them the documents and I called them later to be informed by someone that because it is summer time, paper work is finished slowly and if I don't like it I can look for a broker!! Now because of them my car has been parked for two months now waiting for TD's mercy and I regret that I wasted my time with them. With the calls I made to this company I realize now how unwelcoming, and uncommitted to the time and to customers they are. My advise is that don't let their low prices get you to apply for their insurance.

I had an accident where an impact (verified by mechanic) caused my rad to leak and engine to burn out. T.D. refused to settle and dragged out the claim for months. Christina (adjuster) talked with me twice. Other staff were rude hard nosed and dishonest. Met with "Keith" an investigator who said a "denied claim will result in facility insurance" and intimidated me. I withdrew my claim and later thought that I would still want to purse it. On being contacted by Keith he simply yelled "fraud fraud" into the phone and insisted on a police report after the fact (no such a thing -there are accident reporting centers that you must report to in 48 hours -I had reported mine directly after the fact to T.D. Do not insure your car there - they apparently do not pay out a lot of claims (I am out 3000 for new engine, repairs to rad travelling and hotel-all supposed to be covered by T.D. P.S. claims dept ONLY calls or not taped-BEWARE.

i would like to say there rates are terrible claims services is terrible someone was in an accident and almost died, and it was there insureds fault .... thank god for witnesses, as well rude adjusters would never ever ever use this company and pray to god your never in accident with them.. terrible.. and im glad i cancelled with them,

I have been with TD for 2 years only. They had the best rates so I signed up with them. However, after one at fault accident which I got a ticket for they refused to renew my policy. I've never had claims before nor tickets. It was a one time mistake that I made and they dropped me. Because they refused to renew my policy, no other insurer would take me except facility insurance companies the high risk ones. I went from paying $1430 a year to $4200. I am 27 years old and can barely afford this. Your company is in the claims business you must expect people to make mistakes. I only made one and you ruined my record! Never in my life I am going back to TD!

I've been with TD auto insurance for 20+ years and had a 'minor accident' (their words) more than 4 years ago. Today I got a letter saying my insurance policy will not be renewed because they just pulled up my file now. After calling the company, they refused to reason with me and kept saying there was nothing they could do. I've been paying them 500 dollars a month for two cars and I was still loyal to this company. Worst mistake I've ever made. Should have listened to friends and family when they told me to switch companies. Horrible treatment of customers, does not value loyalty, and company policies are ridiculous.

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.