TD Insurance Auto Insurance Reviews

I'd like to start by saying in order to get a 1* rating by me, you'd have to be unprofessional, arrogant, complacent & willing to outright lie to your customer. TD Insurance covers all of those basis.

In May of 2016, I was a victim of a wildfire in Fort McMurray, that sadly took my home away & everything I've ever worked hard for. Surprisingly, my car was still standing on the road that I abandoned it on because of police ordering everyone to run on foot, even though everything around it burned.

Dealing with TD since has been NOTHING short of a nightmare after another nightmare.

There was a misunderstanding in my policy (me thinking I was protected because I was paying for some sort of 1-million dollar coverage) & also a Gold Premium Package. It all sounds reassuring & fancy until you actually need it & it's NOT the kind of coverage you think you're paying for.

I was given 1/3rd of what I owned & had an experience over the phone with one of their associates not realizing he didn't hang up on his end, & all I could hear was him belittling myself & my mother with another co-worker in the background. I had vice presidents & a senior manager call to "apologize" but that's all for show, they don't mean it & don't let them fool you into thinking they do.

Moving on from my Tenants Policy, now begins my Auto Mobile claim...

The associate I was dealing with about my car was calling everyday to give me an update about my vehicle - which was always the same, that it was still waiting to go into the shop but it was in a secured lot & he couldn't get in touch with them to find out more details - until about a week & a half ago when he stopped calling. I'd also like to mention that he asked ME to make phone calls for HIM because he was "extremely busy & wasn't sure when he'd be available to work on my claim." He also mentioned that he & his manager would be working on extending our rental due to the circumstance of the wildfire & the long wait for repair shops. This was all talked about around June 15-20th, somewhere in between that time frame.

Just yesterday, July the 3rd, I answered the phone to the company who TD Insurance rented a vehicle for me was calling to tell me that TD stopped paying since the 23rd of June & that I would have to start paying out of my pocket if I wished to keep it longer. I told them my Insurance extended the policy, but they said no phone call was made to them.

And so then I called TD Insurance, July 2nd, to find out what was going on.

The associate working on my claim explained to me that he was still working with his manager on extending the rental & hasn't gotten an answer back yet. And that he "assumed MY car was taken care of in the shop because myself or the autobody shop didn't call him with updates," so he stopped working on it.

I asked to speak with his manager at this point. He told me his manager would try & call me back. I waited 2 hours, no call from him, so I called again. Finally I got the manager on the phone & of course he was arrogant. He wanted to argue with me, not help me, & when told his associate was to blame, he kept repeating, "I fail to see how my associate is to blame. How is this his fault?"

I also have a voice mail of the associate apologizing for his mistake, that he should have been on top of it but wasn't & that he would work on getting the rental extended with the help of his manager. The manager also told me that they weren't going to extend it to help us out. Neither of them had plans to call & tell me this, or else I would have returned the rental when it was due to go back so that I wouldn't have another expense.

...

They'll treat you with arrogance & talk to you like you're stupid when they make mistakes & won't own up for it.

They put crooks in place of managers on purpose to deal with us paying customers, so that finally we will just give up & say it's not worth it anymore.

You'll pay them money for a service that they'll try & pass off onto you.

And you'll hear constant apologies about mistakes they've made because they decided to take their time with your claims.

STAY AWAY... and if you decide to still go through with getting insurance through TD, record every conversation you have with them & let them know that you're doing it so that it's legal. Ask a million questions until you thoroughly understand your policy - & make sure that person doesn't use words like, "I think so," or, "I'm pretty sure," because that's when you know they don't know what they're selling you.

Be smarter than these crooks.

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!

I would give negative stars if I could.
If you have issues with payments, they won't tell you. They will just cancel your insurance and let you drive around unknowingly - uninsured!
No phone call or email to try and get ahold of you to resolve the issue. I would expect that in such times they would try and work with their clients to accommodate the hard times that EVERYONE has fallen on.
They lie and say a payment was missed on a certain date as you are looking at your bank statement to verify what they are saying and how amazing to see the money was actually taken out.

Due to vehicle shortage, TD and the appraiser purposely decided on the "total loss" of my car.
The value of the car also is being lowballed and there is no chance to negotiate. TD has set up the situation with two bad options for me to choose from:
1) Sell the car for cheap. They will not re-evaluate the value of the car when asked!
2) Keep your broken car with a "salvage" title. You pay for the repair and costly process to re-brand the car from "salvage" to "rebuilt".
TD claim manager, Giselle Z. said: "TD has the right to determine if we will repair or offer a settlement". In my case, TD chooses not to repair my car. So which of the two losing options should I choose?
I have been with TD for over 10 years with zero claims. Now for a not-at-fault claim, I must fight just to have TD repair my car.
This is a $5000 case. Imagine what will TD do for a personal injury case?
I have escalated my case to the next level of the TD complaining process.

Terrible untrained service agents, unfriendly, condescending, incompetent. Can’t answer questions, don’t answer the phone, don’t respond to questions, don't return phone calls even when promised. Seem to create delays to prolong claim processing and delay payment. Agents do not seem to have the training, desire or authority to answer questions or to complete claim process. They repeatedly ask for more info, and transfer to another agents. I ultimately was required to speak to 13 different agents to get answers to questions and complete claim process. Agents seem focused on just keep delaying the process. Payout for my write-off vehicle took 7 weeks for incompetent TD agents to process, and was below market value. Despite their promises, the agents and managers showed no interest in 'helping' our situation at all.
UPDATE: We changed all of our insurance to a competitor who is polite, responsive supplier, coverage is better, personal contact is direct to same CSR every call, premiums 25% less than TDInsurance. WIN!

For all other services, they are swift in emailing and calls, except when they want to cancel a policy. Suddenly that’s the time they decide not to update you firsthand; only sent you a post letter. I received a discount on the price initially, got hospitalized and payment got missed and they decided to cancel the policy - after a number of talks with the agents who were of no help and highly unaware of their own company’s policies. Ultimately I was told, I can cancel myself without any record of cancellation on my file if I go ahead and sign a new policy with them - however, I will not be eligible for any discounts on that policy! Really shady to get a customer off discounted price. Next to none customer service! Make sure to take time out to run after them on matters relating to your insurance!

They don’t pick up calls no reply to emails and texts. Worst customer service. I called the advisor 5 times a day but no reply.

A woman hit my car. It was deemed her fault. TD is her insurance company but they will not talk to my insurance company. They are unprofessional and a terrible business. Now I have to cover my $500.00 deductible. Stay away from them like the plague.

Took TD 3+ months to approve the repair to my vehicle (not because there was a shortage of parts or COVID, or whatever else the excuse could have been they just dragged their feet), and even after it was finally approved the car was taken into the auto body place of my choice (I know their in-house place would have cut corners), TD then denied part of the repair so I'm now out of pocket $1500 to get it repaired fully to the way it was before we were hit.

I had 4 different advisors assigned to my claim over the 3+ month period and not 1 of them would return a phone call to me or the auto body shop. Emails were exchanged and if the advisor decided to respond (which wasn't often at all) if you tried to call them immediately as soon as it was sent/received they just wouldn't answer the phone.

The Autobody shop even sent TD an email stating that the damage they are denying is more than likely a result of the accident and TD just said nope we're not covering it. I spent 2 additional months after them denying it trying to fight them over it and even had 2 other shops agree that the damage is likely a result of the accident yet TD refused to cover it and basically closed the claim and brushed me off.

Would not recommend TD to my worst enemy. This company is horribly run and TD should be ashamed of themselves for letting it be this bad. Had I thought about reading reviews prior to picking my insurance company I would have been warned and it would have been my own fault for ignoring the warnings but I didn't even think of looking at online reviews for insurance companies... Take my advice and the other reviews and stay away from TD.

I was in a major accident and it took them forever to do anything. They consistently rejected my and my partners treatment plans. Constantly sent us for independent assessments and then rejected them. Despite proof of injury. They refused to offer settlements to the point that lawyers need to be involved. If you use them, you must hire a lawyer so that you can get treatment. They will just deny it.