Customer Service so poor that I could not connect for renewal
by No answer at TD on Feb 9, 2023
1 out of 5 stars
> Home Insurance in Mississauga
Can't go into a TD Bank and talk to a representative. Online doesn't always work. I can't get proper statements or withheld documents of payments... Horrible experience!
My payment didn't go through as I changed my credit card from TD as I thought it would have been hacked. This is definitely my fault but they didn’t notify me once of the missing payments. I was under the assumption that the policy was still on and had no idea of missed payments. One day I realized that there was no payment being made. When I asked them they had already canceled my plan without notification. Thankfully nothing bad happened at the time while I was under the assumption that I was covered. Be aware.
It was $1400 less for the year with another Insurance for my home insurance, so I switched. When talking to TD about it, they said they are regulated by Ontario and could not do anything about the price or explain why they are so much more expensive.
I had a claim. The work wasn’t done properly, but I noticed it after the warranty expired. They didn’t even want to investigate, just insisted it was done properly. It wasn’t. They should’ve investigated. I’m tired of rising premiums, but not getting what I pay for. Also, the person on the phone wasn’t very understanding.
They sent me a letter to tell me I owed payment for a new year to the wrong address, never emailed me, and canceled my insurance 15 days before I got the letter. Then blocked my online account so I could not pay it, and would not allow me to add my account as a payee. Disgusting. A simple email and allowing me to access the account to pay would have made life a lot easier. Look for another company that actually cares about you.
19 years with them and we will not be renewing with these clowns. Opened a claim after the wind storm May 22 2022 that swept across Ontario. Our home sustained serious damage. I had 4 no-shows agents and then finally a TD adjuster came on June 15. Still waiting for the claim to see the estimates of the damages. Had 2 different contractors come here and access the damages to see what TD should be covering. The damages totalled over $100K. TD wants to cover $7138. They will nickel and dime you! Don't worry TD, we have hired lawyers to deal with you. This is our first claim. Don't do any business with them!
I had insurance with TD for over two years. My credit card company changed all credit card numbers. Instead of contacting me, they cancelled my home insurance. When I called and explained the situation to them they bluntly refused me.
Please don't buy insurance, you will have the worst nightmare in your life. I had insurance with them for 6 years and then when I moved to new property clearly stated to cancel the old one. They didn't cancel and kept charging me for my old property which I never owned. They asked me to send the documents, creating a hassle for the mistake which you didn't make. When I called they said they never received documents from you. Bunch of scammers trying to steal the money. I decided to move on to the next one. Please stay away from them.
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I had a small claim due to storm damage. The first advisor told us to proceed which repairs, which we did.
We were then given a second advisor who had the damage assessed at the same $$ our deductible and asked for invoices for the work complete.
A third advisor then just tried to close things out with their estimate vs actual invoices.
Confusing and frustrating, time for a switch
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I did not have automatic renewal on my policy because I chose a yearly payment.
I could not connect to renew my policy.
I attempted to call the number on the website and on the correspondence I received regarding my renewal but was not able to speak with an agent.
I did this at least twice a week for several weeks.
I attempted to pay online except that I did not have a security code that was apparently required, which I had never received.
I attempted to chat, but not available.
I then purchased a policy with a different provider as I had received correspondence from TD that my policy was cancelled. The other insurer was about $200 per year less for what was actually better coverage.
When I was finally able to connect with an agent, I was told I needed to pay for the first month and a penalty because I had not yet cancelled the policy, the one that TD sent letters to me about cancelling. The amount that TD asked for is also prorated, equivalent to more than a month's premium even though I do not want the policy and had other coverage in place, only because I did not have access to pay. If ever had a question about my coverage or to add coverage, I would not likely be able to contact anyone at TD.