TD Insurance Auto Insurance Reviews

They take you out of your rental then string you along for a month with no follow-up, no returned calls, no returned emails, then they won't even negotiate from their significantly low ball offer!!!
DO NOT USE TD AUTO INSURANCE!!

A bunch of scammers! They’re the modern-day mafia! Stay away! I had a simple accident and they tried to avoid covering it! You will need legal help dealing with any claim with this company! This is how horrible they are! Again.. stay away!

Hello,
I have had very bad experience with TD Insurance and very disappointed to see the way Claim Adjuster has misrepresented me by her contradict email. Before giving me any offer rented car or claim amount of money. My car has been salvaged and i came to know about when i have received the letter from Alberta Vehicle Registration.

After this incident i have decided to close my account with TD BANK and move on to other BANK.

She contradict herself by email. in email she asked me when your are going to repair car otherwise close file and second email asked me accept
her offer of money and my car not repairable.

She did not notified me about salvage of car, i could not able to go for work. when i decided talk to her Manager, she denied to transfer her call to Manager. she wanted to settle with her offer. she was rude and not respond me by email and phone.

I complain to HR department, but i have mental and financial loss because of her misrepresentation.

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

After years of using TD insurance (never had a claim) they decided to cancel my policy. They gave me less than a week notice.
When I called they couldn't give me a straight answer as to why my policy was cancelled. They told me to Google another insurance company. (This was of course after waiting on hold for a long time)
But of course they kept taking their payments out of my bank account. I had to keep calling and asking for a refund while they tried to sell me another policy?????
I'm glad I never had a claim. What a nightmare.
Never use td auto insurance!

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 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.

I made a claim over a month ago and was hit in the back, the employer will not take me back without a doctor's clearance, no income, and no help from TD.

The people that answer the phone are good but the company they work for is awful and malicious. Renewal documents are not written properly with little explanation and many mistakes. TD Advantage is a scam... Don't waste your time... You have to fight to get the discount the first year and then they jack your price up pretending it is still included the following year. They think we are all stupid... I am stupid yes... but only because I did not shop around and trusted TD Insurance... They send the renewal last minute so that you have no chance to understand and shop around... but I'll be ready next year... mark my words... I will... 20+ years with TD Insurance with no claims and this is how they treat you... You got me this year, TD... but mark my word... just may be the last. I hate to think what would happen if I did have a claim?

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.