Good Company - bad pricing
by Harvey on May 31, 2016
2.5 out of 5 stars
Car Insurance Reviews
Security National Insurance (TD) Auto Insurance Reviews
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(33 reviews)
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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.
I live in Ottawa, Ontario and I've been with TD Meloche Monex / Security National Insurance Company for about 3 years now. My car suffered quite a bit of hail damage during a storm a few years ago and when I went to claim it, the process was quite straight-forward and no strings attached. The insurance company wrote off the car and refused to insure it without having significant superficial repairs done to the body work. This seems quite silly and wasteful to me, especially considering it's my premiums that pay for insurance pay-outs, to write-off a car because of superficial damage, but they weren't the only insurance company to tell me this. On the plus side, the adjuster gave me a great value for the car.
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.