TD Insurance Auto Insurance Reviews

Yes premium prices are one of the lowest out there, but apparently for a reason. A nightmare to deal with on all of my claims, frequently puts rates up with no explanation or reason (after being on hold for 30 minutes they cant even explain why except changes to market etc etc). Having a terrible time dealing with my physiotherapy right now, will be changing companies as soon as things are resolved. As with other people, if there was a no star option for Customer Service and especially Claim Service I would use it.

waited for over 20 minutes; still holding. TD cancelling policy without apparent cause. couple of claims that weren't his fault and only one that was. had to pick one star because 0 not available.

If you are the kind of person who values customer service stay away. They have the worst customer service ever. I cant tell how bad I feel. Low cost was the only factor that took me.

As with most of the other reviewers here, I had a horrible experience with TD Insurance. I had snowmobile insurance with them in the past. I got insurance for a new snowmobile I purchased in late October of 2014. I paid $581 in full for a 1 year policy. I sold the snowmobile in early February of 2015 as it was not what I wanted. I called to cancel my snowmobile insurance the day after I sold it. I had the TD insurance for a total of 111 days. Therefore, I should have gotten a pro-rated amount of $404 back. Instead TD Insurance informed me that they would return only $180 of my $404. They cited that their internal policy is to pro-rate snowmobile insurance higher in the winter because you are only really using it in the winter. What? The two people I spoke with at TD both admitted to me that there was nothing explaining this so-called "internal policy" in the policy documents sent to me...only one vague reference to "unearned portion of the premium" They said that if they allowed everyone buying snowmobile insurance to get the pro-rated amount back, everyone would simply get snowmobile insurance in December and cancel it in April. But, I told them I sold the snowmobile and would provide proof of that. They did not care. I could see a $50 admin charge or something like that, but they simply ripped me off for $224 because they know no one will go to small claims court for that amount. Basically, my experience with TD Insurance is that these guys will make up the rules to suit themselves. What do you think would happen with an insurance company like this if you have a claim??? I will never let TD Insurance insure anything I own.

I called twice for getting a new quote because I am going to move in April. For the first time I called, the new quote is double of my current rate, even the new location is only one block away. But the one who answered my call was pretty nice, he said he's not going to change anything at the moment, and told me to go shop around first since they raise a lot and I still have time. However, some friends recommended me to call again because the guy might mess up my quote. For the second time I called, the experience is horrible. At the beginning, the guy told me to call again since the quotation will not be accurate because it is more than 30 days. I had to tell him what happened before like begging him to do me a favor, then he started to do my quote. Then he gave me the same quote like the first time, and be like your previous premium is cheap because of our system error since I lived in north of Ontario before. I moved to Toronto for few years already, and I moved for like 2 or 3 times, now you're telling me all of these got system error. Ridiculous. And he instantly raise my premium of renewal, even I received the renewal notice letter like few weeks ago. I am totally gonna cancel TD insurance.

Here's a cautionary tale. TD sent me my slips after setting up automated payments for a new auto policy for two drivers and three vehicles. All good, or so I thought. But an error took place in entering my banking information. They mailed a letter (regular mail) that I didn't open - my bad. Then they cancelled my policy without me knowing. Their bad.

When I discovered the situation, they said they mailed twice, and phoned and left messages twice. That sounded fishy because this is not the kind of voice-mail one would forget. And when I looked up my voice-mails on the dates recorded in their files - there were no messages from them.

Not only that, they told me that I was now not able to restore coverage with them because I'd been cancelled for non-payment. And not just with them, because that black mark went against my file with every other insurance company.

They put me in a really tight spot with that - and they were brutally inflexible about it across multiple phone calls over a period of 24 hours. The cost for me of not opening that envelope has been in the thousands: car rentals, selling off vehicles, shifting to a company car, getting my wife re-insured in a hurry under another carrier. But it could have been much, much worse had I had an accident while driving (unknowingly) without insurance. (Even the fine if you're caught driving an uninsured vehicle is $5000 ).

Weeks later, I complained through TD's facebook page. To their credit they looked into it and did promptly offer to reinstate my insurance and remove the non-payment flag from my file. I did appreciate those small gestures. But had they done the right thing in the first place, they would have tracked me down before canceling me over a keystroke error: Registered mail, courier, even a real phone call to a real phone number would have been appropriate contact strategies given what was at stake for any auto insurance customer. And when I called in - they could have handled my situation very very differently. I might not write a protest song and post it on Youtube, but I'll sure never look at that brand the same way again. Their homepage advertises "a simple way to protect the ones you love." Nice words. Nice words.

Was TD client for 12 years. All that time my insurance went down. And this year it went up 40$ for no reason at all. For many years TD was a good choice for insurance. Not anymore. So you will be loosing my dad's insurance (went up as well), my house insurance and my car insurance. "Thank you" for great service.

By tomorrow I will be leaving TD Auto Insurance as they are terrible. Customer Service is ridiculous and not customer friendly. They can only touch your file once per day so if you need to do two things, ex: find a quote on another car you are thinking of adding and also trying to activate your insurance or stop your policy. They can only do one, not both...Second, like many people have written, they tell you different things from one rep to the next and even with the same rep on the same day saying so many different and contradictory things (ex: you have to act now and I won't be able to call back because of the high volumes today so if you have to call in you will probably get someone else. But then saying he can call you the next day)...Or increasing it by $60 dollars and then saying it's "small thing". Claim service like people said, you have to push to start and process through (I had hit black ice last year). And the list goes on. Their rates go up even with no claim. I tried State Farm and TD and both were horrible in the past 5 years. State Farm was better than TD but they too increase their rates when they feel like it every 6 months or so. Any recommendations for Auto Insurance??