Security National Insurance (TD) Auto Insurance Reviews

I received my renewal. My premium is $1202 and the premium for the occasional driver is $262 for a total premium of $1464. I phoned to remove the occasional driver and now my premium is $1460 - what?! The staff at the loyalty dept could not explain why my premium did not stay at $1202. He told me there are many calculations behind the scene and that's what the calculation is. I told him I'm the same driver with or without the occasional driver, and the occasional driver has no impact on my driving skill. He says the car is more available to me now that the occasional driver is no longer insured. The fact is the occasional driver can still drive my car with my permission for the same amount of time and without insurance. I asked him to explain the advantage of having the occasional driver insured. His explanation: without the occasional driver insured, an accident claim will affect my premium; and get this, WITH the occasional driver insured, an accident claim WILL affect my premium. I told him that reasoning is absurd because there is no difference. He was not capable of explaining any further. I was on the phone with him for 20 mins. I've been with them since 1988 (30 years!). He thanked me for my loyalty and offered $40 off my house insurance. I asked that if he was so appreciative of my loyalty, why was the $40 discount not offered up front on my original renewal. It's all lip service. What a scam!

3 Agents, 3 different quotes, one thing on the phone, different on the paper

For reasons that were not clearly explained, they increased my insurance costs by over $200 a year. Got insurance elsewhere for $250 less a year. Tried telling them that their pricing was not competitive. They don't care. Ended up calling half a dozen times to try and fix this, finally went elsewhere. Remember, insurance is a commodity service you can get anywhere. If they treat you poorly, there is no reason to deal with them. Take your business elsewhere like I did

This company will do what ever they can to deny your claim. Buyer beware. Take your business elsewhere

I got T-boned by someone who didn't stop at a stop sign. I am not at fault.

TD insisted on writing off my car, and the settlement they offered is way lower than the market price.

I tried to argue, despite my doctor's suggestion that I should avoid thinking too much due to my injury in the accident. But TD didn't care at all and they even lowered their settlement price. I also tried to complain and to talk to the ombudsman. But they are all bouncing me around between adjuster, manager, customer service etc... At one point they even thread me by saying that they have so many lawyers and welcome me to bring the case to court.

I have never had any issue with TD until I filed this claim. But is it the reason why I buy insurance?

Avoid this company, you had my suggestion.

I was rear ended at a high rate of speed on the Gardiner, my car needed a new bumper, trunk, and gas tank. They bullied me into going to a 'recommended' shop (carstar), where carstar originally quoted me at 1600. When I contested the price, they came back in sheer spite and said 2400 for repairs. After 3 weeks of back and forth arguing with them to repair my truck, they refused to even touch it, and nothing was done at Carstar. This is after 3 weeks people.
They offered me 1600 to go get it repaired wherever I wanted to, but I would take on the responsibility for my own repairs. Hello? Who was at fault here? I was rear ended. They didn't even respond to my message about the massage therapy and the chiropractor. My adjustor refused to write anything in an email, and just wanted me to sign for a cheque. Obviously she knew she was violating my rights as a claimant and didn't want me to go to a lawyer with evidence.
Eventually, after 10+ phone calls, a manager approved the repairs at the mechanic of MY choice. Except it was my responsibility to organize a tow truck to take it there at MY expense. Luckily I had CAA roadside assistance to help.
My recommendation when dealing with them is to have everything done via email, so you have a paper trail when you require your own lawyer and appraiser to get out there and give you the true value of your vehicle. Stay away from TD, they do not have your back even when you are the victim.

Three years ago, I cancelled my auto insurance on car "A" when I obtained car "B". Or at least that's what I requested. Three years later, I discovered that TD had continued to withdraw payments from my account every month. When I called to have TD address this, and even though I have been a TD Insurance customer for 30 years for my home and two cars, they said that they would reimburse me in the total amount of....$0!
Not very smart TD. I will gladly sue (and seek interest and cost), use every social media outlet available, and cancel my TD insurance accounts (for which I have paid TD over $100K in my lifetime).

I have been with TD for almost 2 years. Never made any claims and now they are increasing my premium for no reason. No tickets anything. Upon talking to Customer Service, they told me, sir, we can't lower down than $2600, even with Sheridan College alumi discount. I now have insurance with Cheaftain insurance close to $2040.

I called in further to an online quote and spoke to a live agent. The call took some 20 minutes, going through scroutneous details. The agent then provided me with an impressive quote, beating most competitors.

Being a cautious shopper, I told the agent that I'll think about the offer and will call back. He insisted on calling me instead as he was "most aware of (my) situation and would offer (me) the best deal".

Long story short, I called back in a few days to move forward with the deal, only to go through the same process and get a substantially higher quote. I had the original call reviewed by a manager for accuracy, and he was able to confirm I gave them accurate information and the discrepancy was a result of "keying error".

I suspect the first agent was trying to do anything to close the deal by processing an inaccurate quote. I was advised, by the manager that called me back, that insurance companies have 60 days to change their premium, even after you've bought their insurance services.

I'm pleased to have gone through this experience at the quoting stage, as this company will fail you at every level of your dealings with them.

Escalation process took a week. The written letter confirming the initial quote is not worth the paper it's printed on.

Be extremely cautious in doing business with this company.