TD Insurance Auto Insurance Reviews

I've been with TD a few years now and started out pretty reasonable but five years in I am paying more than I ever thought. So this week looking for boat insurance! They won't cover boats older than 15 years and over 26 ft. Which forces me to switch companies if I want coverage. I'd call this anything but full service.

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.

I had a billing issue with TD, they double charged me one month without informing me, and after addressing the issue on the same day I was billed, it has now taken me 8 days (technically 5 business days) of literally hours on the phone, multiple calls and callbacks with multiple agents, call reviews from calls I made months ago to ensure they were actually at fault (thanks for taking my word, a loyal client for years)... hours of wait times... All to get to the very simple conclusion today of reimbursing my account for the extra month I was charged... Maybe the worst customer service experience I have ever had. That said they were all, maybe like 8 in total!!! Very polite and apologetic, however very very inefficient.