TD Insurance Auto Insurance Reviews

This is to let the world know that TD Insurance is a scam. I have been paying my premium regularly for many years and the very first time I have a claim due to a little damage to my car rear bumper has been a big issue in over two months now. Their approach is unprofessional and unbusiness like.

We had recently put through a claim on our auto insurance policy for a not-at-fault accident. To say our experience with TD Insurance has been a nightmare is an understatement. Our adjuster Adam refused to answer phone calls, ignored emails for days, lied about sending out a payout check and even went against TD's own policy. We will 100% be switching insurance providers immediately and I strongly advise anyone reading this to stay far away from TD Insurance. Insurance is affordable however it's when you put in a claim that the nightmare begins.

I wanted all 3 insurances with 1 company and being a TD client I applied online and got my policies going. When I called to see where my policy was online I could not find it. They could not find it and would call back. I went through this numerous times. No problem taking your money, 5 stars for that. I was told all policies would be in one convenient place online, right. I have my house insurance but the other day when I called about my truck insurance and why it is not with my house policy I was told it could not be done. Phone calls, emails, just get one nowhere but I will never go paperless again. They all just want your money....

TD Insurance is a scam. I was with them for 7 years. My experiences have been horrific, from a claim rejection nightmare to the highest rates I’ve ever seen. I moved to BC and SAVED $2000 a year on one truck.
TD says they insure you but they do not. It’s a smokescreen. They say you’re covered but what they neglect to add “just kidding, you’re not covered at all, we just keep your money...”
The absolute worst experience I’ve ever had with any insurance. A person would be better off burning their money than spending it at TD.

0 stars isn't an option. Anything that was accomplished on my claim was solely because I did it. I went through 4 advisors over 2.5 months and they're all completely lost. My last 2 advisors were with a 3rd party company and in a different time zone. One advisor refused to use a phone. Multiple mistakes, had to explain how my policy works to the advisors. Save your money for a company that will at least do some work. I've been waiting 2 months for 2 separate escalation calls. Service doesn't exist here. No one at TD Insurance cares about you.

All these years I was mistakenly thinking this was one of the best insurances and always was wondering you they receive such negative feedback.
Now I completely understand and you will understand once you have a claim with them (Hopefully you will never have one) especially when you are completely at no fault and they will try to reduce the cost as much as possible of the other insurance company at this time only you will start the feel of frustration.
I will try to do my best to reach out to all of these people and friends whom I referred to use TD insurance and would say sorry please don't.
You start to feel very bad when your adjuster notify you that even you have 5 years replacement cost we can't declare it total loss as the replacement cost will cost the insurance more than the actual value of the car even if the customer who at no fault would lose the trade-in value of his car so this 5 years replacement cost actually works against insurance holder as insurance always will go to repair option to save and work on their best interest or other insurance best interest at the end the consumer who will get punished.
Even I told them I already had a signed trade in a week before the accident with deposit paid and the dealer would refuse to take it, but TD wouldn't understand that. No choice - other than the legal case which is time-wasting for everyone that is exactly how no-fault people can feel.
Please always consider many criteria before you decide about your new insurance company it's not only the premium.

No communication, no response, lack of professionalism. The individual had not responded to phone calls or my emails ( which I left well more than 20). This individual only responded when one of their co-workers called me and sounded disturbed that this agent had not communicated properly.

More than 20 years with Monnex Insurance (cars and home), before the money-hungry TD, took them over. I called to discuss my renewal - very long wait time just to answer the phone (more than 45 min), and then they intentionally drop me after a got through and verified myself etc. They will not call you back (the cut was intentional) - TD keep increasing year over year, and I keep reducing my coverage to save. Now I have bare-bones coverage, zero climes car and hose, and they still increasing the premiums. I can not find any justification, except that TD is just a money-hungry, and its time for me to look for another co,

They refuse to pay a claim as they give you the run around for over a year but still take their money out of your bank account for over a year on a vehicle that you don't even have anymore. It still hasn't been resolved.

Moved from one location to another and my insurance premium went up 1000$! It's 20 min away from my current place and although it's 20 min drive away from my current place and 10 min away from Sheppard and Yonge the new rate and TD customer service of up selling their products at this time of COVID completely pissed be off!

Ontario government needs to do something about car insurance companies!!!