Independent Home Insurance Reviews

TD Insurance Home Insurance Reviews

(30 reviews)
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Category: Billing, Payments
(1.6 out of 5 stars)
Customer Service:
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Bad service, shady billing

(1.5 out of 5 stars)
by angryTDcustomer Sep 16, 2019
...Getting through to their phone agents is a pain. Takes very long and then usually end up transferring you which takes even longer. I cancelled my policy and they told me I would be deposited a refund after deducting from my last payment some amount. 3 months later, I get a letter threatening with collection actions for 19 dollars owed in the account! Called them and got nowhere. Terrible experience. I had no claims, but based on other reviews, I imagine that would have been a pain as well. Stay away from TD. Have never had as much trouble or shadier billing practices with other insurance companies, only TD. Garbage...
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Incompetent Crooks!

(1.0 out of 5 stars)
by Tyler A Mar 26, 2019
...For 5 months I was charged for someone else's vehicle insurance. 2 other policies that were not mine in fact! Tried resolving with them directly for months and was given the runaround. They could not even tell me what insurance policies I currently held with them or they just refused to. I do not have a driver's license and do not drive, I have not for 16 years. I am a single late 30s white male and should have only been getting charged for my home insurance as that is the only policy I held with them. I had to involve my TD bank branch and one of the financial advisors was able to shake the tree and get this somewhat resolved. I say somewhat because TD insurance only agreed to repay the exact amount they removed from my chequing account over the course of 5 months and many withdrawals. They refused to pay me 5 months interest on the amount owing and also refused to reimburse me for overdraft fees I received over this time period. I highly suggest nobody go with TD insurance. This is unacceptable! And I am absolutely shocked this was allowed to happen and has taken so long to partially resolve. I'm currently considering legal action towards them. Just unreal...
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Try to cancel insurance

(1.0 out of 5 stars)
by Richards Oct 29, 2018
...DON'T USE THEM !!! After the passing of our mother, we tried to cancel her home insurance after it had been sold. We had her home insured at the end of March to the tune of over $1100.00. She passed away in May and that is the month that her home changed ownership. After several calls, numerous emails and all legal papers for the ownership change and death certificates they still asked for more. It took several customer service people, all wanting different papers, to finally get to the point of getting a refund. The refund was $385.00. When asked how come so low a payout, we were told more paperwork was needed. WOW !!! It is the end of October and just got off the phone after asking where is the money. Perhaps in a couple of days, I will see it, so I have been told. I am mad beyond words !!!...
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Pure ignorance

(1.0 out of 5 stars)
by Jeff Aug 31, 2018
...So I highly recommend if you use TD insurance, to cancel and go with another company as soon as possible. After 6 months of phone calls and emails, they finally cancelled my insurance policy admitting to me how sorry they were that they dropped the ball on this. They sent me a bill for 20% of this year's policy (they auto renewed) because I was 2 weeks late informing them I’d switched companies. The letter also informed me I had 14 days to pay up or they would send me to collections! I called and was on hold for an hour and 38 minutes and was promptly told by a Steve that they were entitled by law to charge this ridiculous amount and if I didn’t like it, I could contact the government Regulators and take it up with them. Worst customer service I’ve ever had in my life and I intend to let everyone I can know just how completely terrible they are!...
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horrible stressful

(1.0 out of 5 stars)
by NovaScotia Feb 14, 2018
...We had a wind and water claim started. We had this open for about a month after calling in and took forever to get someone to come to our home.Adjuster was rude,unorganized never answered phone judged everything as though she was paying out of her own pocket, very cheap outfit! Dropped us at the end said if we didn't come up with money to pay for sheathing and to add over inflated price x2 the price the contractor wanted to put in they would not proceed. We are talking over 6,000 plus 1,000 deductible or pay us out so they could wipe their hands of any liability as they weren't paying .We didn't have that money in the budget and at first were told everything was covered. No we had to take the payout and they automatically deduct the 1,000 deductible and even though they have a quote are going through with a fine comb to trim costs. At the end the million dollar roofer who works for them is making a killing even tried to make private deals and get us to approve work just so he could move on. I offered to purchase the wood to afford the repairs and flat out no was the answer..If you are here looking at reviews take the money and find a small time carpenter or company if not in an emergency like us. What a disaster never again! Run stay far away from this outfit cheap rates but you will pay for it in the end...
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