TD Insurance Auto Insurance Reviews

I had a claim, the adjuster contacted me but wouldn't respond to further communication. I learned later that the adjuster was changed, and the new adjuster wouldn't respond until after weeks of trying to contact. The new adjuster eventually sends a Proof of Loss which I signed and sent, but won't respond to my emails or phone calls on follow up of the settlement. Very hard company to deal with if you have a claim.

Last year Nov, in a no-fault incident, my car was total loss. However, no agent contacts me after a whole month while I need the insurance coverage to rent a car. I have to wait on the phone line and after several attempts I finally reach the supervisor. I was told the agent who handling my case is not at the office and now another agent is assigned. Afterward, the compensation amount is far below market value of my hit vehicle, and it cost me one more week to bargain with the agent for a reasonable price. I immediately cancel it once the coverage period is over, still I need to schedule a phone call in order to cancel it. The customer service has bad attitude and does not care if I cancel it or not. Overall, price isn't attractive, bad CS, worst claim experience. I will NEVER use any service from TD, including bank service.

I am very disappointed with TD Insurance due to their poor customer service and lack of communication. In August 2023, I was driving in heavy rain, and water damaged my car engine, causing it to stop working. I filed a claim immediately and explained my situation. Despite my concerns, TD Insurance insisted on repairing the engine instead of writing off the vehicle. This is a family car, and replacing the engine raises serious safety and reliability issues. The car has been sitting exposed to snow and rain for over a year, which could cause further damage, including rust and other safety problems. To make matters worse, I have been trying to contact my claims' advisor, but each time I get no response to my emails or phone calls. I also requested a rental vehicle, but no one has addressed my requests. This experience has been incredibly frustrating and stressful for my family. I pay full insurance premiums, yet I have received no service or resolution for my claim. The lack of communication and disregard for my safety concerns is unacceptable. I urge TD Insurance to take responsibility for their customer service and address claims in a timely and respectful manner.

I would not recommend TD Insurance to anyone based on this experience.

I had an extremely frustrating experience with this TD insurance. From the very beginning, communication was a nightmare. They rarely respond to emails or phone calls, and when they do, it's always with a rude and dismissive tone. Every time I ask for information or clarification, I’m met with vague, unhelpful answers. It's clear that customer service is not a priority here, and it's impossible to get the support I need. I would not recommend them to anyone — it's been nothing but wasted time, money, and frustration.

My vehicle was involved in a car vs. pole collision in August. I was woken up in the middle of the night and given this news by police, my partner decided to take my car without asking and fell asleep behind the wheel, totaling my brand-new SUV. I filed a claim within the hour, police file #included. The next day I was contacted by a man who told me I should know in 7-10 business days if they're going to approve the claim. 13 days later I was notified the claim would be approved and had a rental set up while waiting for them to confirm a total loss. 13 days later the rental company tells me insurance was pulling coverage the next business days, which I thought meant they deemed it a loss, I sent TD the bill of sale as I have the depreciation clause, and they requested it the week prior. An hour after sending it in, I was contacted by another rep from TD and told she was special investigations. She made me answer all the same questions again. Multiple times. Questioned my story about being asleep when police arrived and accused me of giving the keys to my boyfriend, tried to say he lives with me as an uninsured driver, then tried to say he was drunk. She tried to say there was no police report in the file, contrary to the prior rep who had the file in front of him in our last call. When I asked how long she would take to do her investigation, she stated it would take as long as it takes for her to be satisfied. I faxed her every document she requested beginning of September, then crickets. She did not return my voicemails or emails for over a month. Last week I had enough and emailed again, my displeasure was quite obvious, I threatened a lawyer if she continued to ignore me. Like magic, 45 minutes later, she calls me. Tells me she has confirmed my story as truthful, and I'll be getting the claim settled... That I would hear from someone on the meritorious team within the next couple of days... 9 days later, and I have yet to have any more contact. All while I'm still paying for my 2024 SUV that I haven't had in 14 weeks as well as paying insurance on it... And paying out of pocket for a rental… My initial 7-10 business days for a decision is currently 14 weeks and counting. Do yourself a favor and avoid this company at all costs.

I was involved in a 100% not at fault accident (other driver ran a stop sign) when I made initial contract they were helpful (sunday) but when Monday came around they treated me totally different, they said they can't get me a rental even tho I paid for rental coverage and just told me to "get the bus or uber, submit your receipts and you'll probably get reimbursed" even though I told them neither are offered in my area, had to find my own transportation for 2 weeks.

They WILL NOT let you buy YOUR car back, said everything is sold to another company, and you have to deal with them. I tried to contact them and got told "people think they can just buy it back, but it doesn't work that way. It's probably already sold". They push and pressure you to sign a release form so they can take your car before settling the case.

Lowballed me on the appraisal, got all the specs of the car wrong, then forced me to do all the leg work to get a fair price for my car. It took 3 weeks to settle the auto part. Would not give me fair value for my modifications, said a upgraded clutch ($3000) was normal maintenance for a car with sub 100,000km.
I had to find my own transportation, I got treated like a criminal, I didn't get the coverage I paid for, I ended up with a rental but for less than 48hrs, forced to rush around to get my belongings and papers despite my injuries.
If you care about your car and are a car enthusiast in Canada, I can not recommend TD, unless you don't want your car back.
Only positive is they sent my money quick.

I contacted their office to request to move my payment dates to the 15th of every month, and they said they would do that, but the person I spoke to on the phone did NOT DO AS THEY SAID THEY WOULD. This caused me to miss two payments in a row for my insurance yet the entire time I thought I was paying successfully on the 15th TD was not taking payments out, and they had decided to cancel my policy and this has now affected my record due to their customer service. NEGLIGENCE.

I had an agent yell on me on the phone because I did not understand their "policy" that had me being charged twice in once month. Don't make the mistake with going with this company.

I have had nothing but issue after issue with my payments. With customer service. Trying to make me pay multiple months with two payments. I had it fixed and payments went up now once again they’re trying to make me pay two payments. I filed a damage claim back on August 5th. It’s almost been a month and no one has called me or contacted me. Not once. Once my claim is done, I am switching to another company and do not recommend TD to any.

Customer support is non-existent. Changed card for auto-renewal and paid bill. A month later policy is cancelled with no notification or communication from TD insurance then they scammed money out of partner to fix the issue of which they still didn’t. Now our rates will be up 3000$ if it’s not fixed.

Terrible people, terrible customer support.