TD Insurance Auto Insurance Reviews

My payments were preauthorizes and were going from 3 years. Then, my credit card gets lost and I forgot to update my card completely. They cancelled my policy for non-payment. They sent me a letter which unfortunately I never opened… It was called to renew, then I found my payments not going through. Then they said now your policy will be renewed with much higher rates. I cancelled my policy. They do not value customer, even though I cleared all the outstanding balances same day I found out my payments did not go through because of credit card changed.

I was paying $260 for full coverage comprehension insurance for a 2022 MITSUBISHI GT, that was a discounted rate under a group plan. I already felt at $260/month I was already over paying as everyone else I talked to was getting better rates than I was else where .

I moved and no longer was able to get a group discount since I was the only one insured with TD, a broker called me and told me that now i’m no longer under a group discount and my rate was going to be changed to $350 IMMEDIATELY, even though i signed a contract for my previous rate .

I called multiple other insurance places and they were all significantly less than TD was.
ALSO TD charges extra too because when you cancel your insurance you get refunded money which is weird to me that they never disclosed they were taking more money than they needed .

Shop around , TD is a complete rip off. Any place well offer a better rate!

I had been with TD home and Auto insurance for two years. I went on vacation and didn't realize my home insurance payment didn't clear. Instead of contacting me, I get home from vacation with a letter saying I had to pay out $3600 or my home insurance was cancelled. I paid the $3600. Then one month before my insurance was to renew. They took a payment out of my account. My payments before they made me payout were $325, the new payment they took was $390. Not telling me they upped my insurance. They told me I would get a refund, I advised them I didn't need a refund because it bounced as I didn't know they were going to take a payment. I cancelled the policy. They took a payment of 390 out again 4 days later. I then cancelled my home insurance & car insurance. It took 7days to get my refund for my home insurance. Then I needed a premium paid letter, to prove I didn't owe anything to TD. They told me I would not receive the premium paid letter for 10 business days. They refused to email the premium paid letter to the new insurance company or myself. So I can not get insurance for 10 business days. This is why I left this company. You are just a dollar sign or a number to TD, and they do not care about you. I would use TD as last resort. Dealing with TD has been a nightmare!

I have been with TD car insurance for 1 year. My insurance started at around $1100/year. I did my advantage driving program and ended up getting such a high score that I would receive a 24% discount for the following years. I get my statement for this coming year, and my insurance went up to around $1400/year.

To me, I thought that they hadn’t put the 24% discount onto this number yet and that I had to call to get it activated. So I called, and come to find out, that the 24% discount was already applied and the final amount was $1400/year AFTER the discount.

This would mean, that If I did not have my 24% discount, my insurance premium would have gone up to $1900/year, a 60% increase from the year before. When I tried to explain that it must be an error, because increasing a premium by 60% (no claims in that year or tickets), they refused to acknowledge that the increase is 60% and stated that the increase is only 21%.

I’m no mathematician here, but going from $1100 to $1400 with a 24% discount already applied, is not 21%, but probably for legal reasons, they would not acknowledge the fact that they increased my premium by 60%.

Stay away at all costs. I guess being a super safe driver is not what they want, since they’ll hike up your premium if your advantage discount is too high.

The fact that they are causing this many issues and I haven’t even gotten in an accident or submitted a claim yet, is telling to what they will act like once I actually need their assistance. I’ll be shopping around for another insurance company. TD insurance is an absolute scam.

Got my BMW insured with TD. Last year I paid 3224 CAD. This year the insurance is 3500+... With no claims, tickets, etc.
When I called they said it is because of inflation. They did offer 10% on deductibles which is a joke (in case of an accident).
I canceled the policy and will not recommend it to anyone.

They change your premium without updating the customer and when we ask them the reason. They tell us that TD sent a mail which I never received. They deduct money from your account without us knowing. Just till scammers. And when we ask for a refund they say one or the other reason and are not willing to give a refund at any cost. So bad service. I would not recommend TD to anyone.

My Auto policy was renewed by TD during midterm without any prior notification/communication to me. And Policy amount was increased by 25% again without any prior communication/notification. When I saw an updated monthly charge on my account, I reached out to TD and they said they tried to call me once and I was not reachable so they went ahead with the increase. I filed a complaint with TD and even after 3 months, they have not been able to provide me with any reason why I was not informed about changes to my policy. Very horrible service, never ever going back to TD for any service.

I changed to TD insurance and my family also. Come renewal, no accidents. No claims. No tickets it is a grand higher for 0 reason. Decide to cancel for obvious reasons. Spend an hour on phone to get a quote to cancel. Call back to actually cancel now 3x the cost. They are ridiculous. Getting rid of them no matter the cost. Do NOT get them. Cheap year one, kill you on renewal!!! Beware

Worst insurance providers ever. They deducted insurance money twice in 10 days. When called them to return the money, they just said it was just a mistake and will be returned in 10 business days. Fraudsters. The call agents don't even know what exactly to say. Every year my insurance went up instead of going down. Real scammers.

I was insured by Meloche Monex /TD for 20 years. Prices were climbing up on yearly basis without any meaningful explanations. The last jump was $2000 presumably for one speeding ticket $40 exceeding the speed by 10 km!?
Ridiculous explanation. Have to change it for another insurance. Loyalty is meaningless nowadays.