TD Insurance Auto Insurance Reviews

I recently had my car stolen. The experience of dealing with this insurance company was actually worse than the ordeal of dealing with the stolen car. They treated me as if I had stolen my own car; told me that they’re doing their own investigation, despite the Police doing the same, and tried to coerce me to sign a waiver saying I acknowledge that I “may not be covered”, and that they will not cover the cost of the rental car or other expenses until their investigation is over, which would take several weeks.
Even after the car was recovered by the Police, they did not authorize the car rental until I called them several times.
The advisor was very difficult to reach, and would not answer her emails or phone messages.

I’ve experienced a consistent decline in this company’s customer care, which is very unfortunate. They used to be much better when I first started off with them.

After over 25 years of paying into this company, I will be moving to a different insurance company, even if I have to pay double.

I had an accident in June 2022. It was a brand new vehicle. Just 15 days old. Other driver's fault. TD Insurance settled with an amount much lower than the market rate. Adjustor doesn't receive a call and no response over email. Frequent customer service calls and no positive outcome. I will never recommend having a TD insurance policy to anyone. It is better to pay something extra to get better service rather than dealing with unprofessional elements.

This company is so bad. I got into a car accident and I thought that was bad, but I had another thing coming.
1st of all, when you call TD, they have the WORST automatic system in the world. I got so frustrated... Then, don't expect to get a call back from an adjuster. My adjusters were changed more than 6 times, and I never got a callback. There is 0 CUSTOMER service and all these people do is transfer you from one department to another until someone actually just hangs up the call and you have to call back and go through this automated system again...
I will be cancelling with them at the end of my contract. What a joke!

They are not reliable nor responsible. Don't expect any respect. They don't answer their phone and emails. They don't care about customers at all. When you need their support after paying lots of money monthly, they just leave you alone. They switched many adjusters for one claim. Adjusters don’t have enough knowledge & respect.

Had a truck stolen in early March, then was found so was ready to go through the claims process but my first adjuster just would never answer my calls or emails as I was trying to be proactive on things. Got given a new adjuster and the same thing just doesn’t do anything for me. It is now almost August. That is over 4 months and my vehicle is still sitting around. The body shop waits for the adjuster's word to do things to it to get it back in my hands but no response. So frustrating. Trying to move forward after an awful thing happens to me but absolutely no help.

They are not reliable nor responsible. Don't expect any respect. They don't answer their phone and emails. They don't care about customers at all. When you need their support after paying lots of money monthly, they just leave you alone.

I guess someone who doesn't have a smartphone is discriminated.
I switched phones and forgot to install TD app, which gave me a $660.00 increase. Wow, way to go TD!

Spend minutes talking to AI/robot to be transferred to an adviser. Super annoying. And because they wanted to make money. They included a sketchy fee to push you to pull the full amount rather than incremental monthly amounts.

Worst experience ever. Had car less than a month (insurance with TD for only 27 days), was hit by a negligent driver, and TD deemed car total loss. They claimed we were not at fault, yet we were out a car, no rental, and they lowballed us the value of our car. The comparable cars provided were not even similar or available. The TD Auto Centre that we had to take the car to, was a nightmare. They harassed us while we were emptying our belongings out of the car, saying we "didn't own it anymore", and threatened to call the police while we were removing plates. 3 weeks later, they still have not transferred the car out of our name. Spoke with Service Ontario, and let TD know this, and the "total loss adjustor" argued saying they owned the car. We cancelled the policy immediately and will never go back to them again for anything. A manager claimed the "cultural differences" between the Pakistani adjustor and us, which is why she was being mean and rude. Yeah ok. Not buying that. Disgusting service from a company that should be more sympathetic during a stressful time.

I can’t even begin. I have been trying to process the cancellation for my father who passed away for over a year, they do not want to issue any sort of refund. This company is a sorry excuse for a business.
I would never in a million years recommend them and if I could have given negative stars in this review I would. Although I can see their ratings are horrific, so I hope they just pack it in and stop destroying people's sanity with their terrible business practices.