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!

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.