TD Insurance Auto Insurance Reviews

Run away from TD insurance. I was hit by another car while sitting at a light. Damage was minor (needed a new bumper) but I really should have taken the other driver's advice and just had them pay for it. I thought that going through TD insurance would lessen my hassles but this is where they began. I tried to get through to the claims department, which took more than an hour on hold, and then had my claims adjuster go on vacation with no one taking over. I had to cancel the autobody appointment and have not been able to get in touch with the claims department again (apparently they are always experiencing a 'high volume' of calls whenever I call). When I call to pretend I am buying insurance, I get someone right away but when they take my info and say they will call back with offers to help with my claim I do not receive a call in return. On top of this, they increased my rates! In short, TD appears to have put considerable resources into taking its customers' money (I guess this is where my rate increase is going) but little into doing the service customers are paying for. If you have infinite patience, enjoy being on hold and dealing with people who cannot help you, choose TD. If you want insurance, choose anyone else.

I had a claim last year, someone hit my rear bumper and I called insurance for reporting the accident, it took me an hour to lift my call and it's my first accident, I am not much aware. I ended up calling so many times and every time I call I had to wait for minimum 1 and a half hour to know next step and after so many follow-ups it took more than 1 month to fix and the guys on customer service are so rude. Literally, service sucks and this is a very small one, there are so many other reasons. In the future, I would prefer to rent a car or drive without insurance rather than having TD Insurance. I wish to select 0 stars.

I had a minor accident in late January and by the end of April, I’ve revived 1 email stating my claim was being processed a week after my vehicle was already in the body shop. The parts used to repair my one-year-old truck were not factory parts from the manufacturer. Third party aftermarket parts were used and do not match the original build quality. My adjuster also has been absent the entire process and does not respond to email or voice message. Any time I need answers I have to wait on hold for over an hour, explain the entire experience, transfer to another department and repeat. I made the switch from Intact and it was a huge mistake. Stay with Intact if you’re currently with them.

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.

By the look of all these terrible reviews, TD Insurance is one company to stay away from. All I know is, as a body repair person, TD Ins. is at the bottom of the totem pole for the rates they pay to body shops. They lag behind other insurance providers by about 20 years. I wonder where all the money is going that they are saving! I tried to get a response about this issue but it was to no avail. I guess that's par for the course for TD Insurance.

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.

I've been with TD Insurance for over 5 years for both my home and auto policies.

Recently, I was parked in a grass field at a festival and hit a rut while leaving which bottomed out the front of the car and caused some damage to the front bumper cover and some stuff in behind. Was going to pay out of pocket to get it fixed, but the estimate ended up to be over $3000 (who knew plastic was so expensive)... so I decided to claim it thru TD.

I paid my deductible and they had one of their preferred shops fix the damage and provided me with a rental for a week (which was not even comparable to the car I was driving) - Strike #1.

The claims process was straightforward but trying to get a hold of the adjuster was like pulling teeth. Seems all calls are screened and are sent directly to voicemail... it would then take 1-2 days for them to bother to call you back - Strike #2.

The final straw was the ignorant and rude voicemail I received from one of their agents today that said "Due to your recent $3000 claim, we are not renewing your policy. I suggest you look online for another provider. Goodbye" Keep in mind, my renewal date is July 1st. Thanks so much for the sufficient notice! /sarcasm.

I ended up using Kanetix.ca to find another insurer and had a new home and auto policy within 30 minutes which ended up SAVING me over $1000/yr.

TD Insurance can be summed up as follows:
- Ridiculously expensive
- Terrible customer service (rude agents or agents who don't know what they are doing and have to ask a manager for help every 5 minutes)
- Ridiculously long hold times when calling in
- Rates continuously increase every year with no justification
- Insurance adjusters hide behind voicemail

STAY AWAY from these crooks

I I had my 2009 cobalt ss stolen from my house I am with td insurance I filed my police report did all the nessasary paper work. I had car rental coverage no problems getting a car rental. I found my own car ditched down the road from my house the next day waited 4 hours for police to show. My car was towed to accodomy towing and put in there yard. Only damage my car had was a driver's side window that's it . The toe company never covered my window it was exposed to rain and snow and ruined the interior and all my electrical components in my car. I waited 2 weeks never heard a thing from td insurance I was not allowed to access my car at the tow yard until the police released it. It took so long I had to call sheriff office myself to get released. My car had more damage then when it was stolen. Finally td insurance contacted me saying a adjuster was looking at my car and it was going to Steele Chevrolet to be fixed. I have till this day 2 months later have not heard anything about my car. I even was put under criminal investigation over stealing my own car I have been paying off for 4 years which went no where because there's nothing to put me in the wrong over my cell phone records and my alibis where I was when my car went missing. I recently had to take my car rental back still with no car of my own and got charged over $500 for the car rental. I believe that this is the worst service that has costed me my job my apartment and my own vehicle that I still have no idea what's going on if it's going to get fixed or there just going to send me another bill after paying full coverage to Td insurance for 4 years. I would recommend to cancel any insurances you have with td insurance and if you have had a car stolen get a lawyer to look after your claim they will just screw your life over because it's hard to have a job with no vehicle and having to waste your own time and money dealing with td insurance. I hope no one goes thru this and that you cancel td insurance and get a company like co-operators insurance that will actually be behind you and take care of you like they should. Td insurance is the worSt insurance company you can have by my experience with them.

I am dissatisfied and extremely disappointed with the lack of service that I have been receiving with TD insurance and I would not recommend them to anyone. I was stopped at a red light on November 6th when a roll of truck rolled back. The 2 beams of the truck crushed my hood and my window and if it wasn't for my fast thinking; I jumped out of the car, I could have been crushed as well. I jumped out of the car and started yelling at the driver that his truck was rolling back.

TD called me on December 1st and advised me that my car would be ready and drove from Woodbridge to Mississauga to pick it up and when I arrived at the Shop I noticed the engine light that comes on. The 10,000 pounds that crushed my car also damaged the internal cam shaft of my car and now it is leaking. I have been told by the shop that TD will not be covering for this damage!! My car was running perfectly before the accident and NOW TD does want to pay for full coverage.

In addition to my near death experience, I have been told by TD that my policy has a $1000.00 NO FAULT DEDUCTIBLE, which I had no idea that my policy had. I was thought to believe that $1000.00 would be charged to me when the accident is AT MY FAULT.

Four weeks have passed and I'm left with a $1000.00 bill plus $1,000's more to fix the cam shaft and the leaking through the head gasket!

I have been in contact with some lawyers and the local media to bring this matter to everyone's attention and to help others who are left with $1000.00 bill. I cannot believe the multi million dollar company is taking full advantage of the consumer!!

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.