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by BSH on Oct 18, 2018
4.5 out of 5 stars
Car Insurance Reviews
Security National Insurance (TD) Auto Insurance Reviews
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(33 reviews)
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I received my renewal. My premium is $1202 and the premium for the occasional driver is $262 for a total premium of $1464. I phoned to remove the occasional driver and now my premium is $1460 - what?! The staff at the loyalty dept could not explain why my premium did not stay at $1202. He told me there are many calculations behind the scene and that's what the calculation is. I told him I'm the same driver with or without the occasional driver, and the occasional driver has no impact on my driving skill. He says the car is more available to me now that the occasional driver is no longer insured. The fact is the occasional driver can still drive my car with my permission for the same amount of time and without insurance. I asked him to explain the advantage of having the occasional driver insured. His explanation: without the occasional driver insured, an accident claim will affect my premium; and get this, WITH the occasional driver insured, an accident claim WILL affect my premium. I told him that reasoning is absurd because there is no difference. He was not capable of explaining any further. I was on the phone with him for 20 mins. I've been with them since 1988 (30 years!). He thanked me for my loyalty and offered $40 off my house insurance. I asked that if he was so appreciative of my loyalty, why was the $40 discount not offered up front on my original renewal. It's all lip service. What a scam!
For reasons that were not clearly explained, they increased my insurance costs by over $200 a year. Got insurance elsewhere for $250 less a year. Tried telling them that their pricing was not competitive. They don't care. Ended up calling half a dozen times to try and fix this, finally went elsewhere. Remember, insurance is a commodity service you can get anywhere. If they treat you poorly, there is no reason to deal with them. Take your business elsewhere like I did
If you have a good driving record in AB, you should pay around $110/month (women - $105/month and men - $113/month). Do you overpay? Get an Alberta car insurance quote to start saving.
They increased my insurance on renewal for my motorcycle, without any accidents or tickets, I called them and they connected me with loyalty dept which said they could not do anything.
I pulled a trick on my sleeve and that reduced my rates by over 700 a year. I went online on their website and pretended as if I am a new customer to get a quote and my motorcycle rate went down by $400 from my renewal rate. I called them again and told them what the crap is going on. They reduced my rates for motorcycle by 450, I asked them to review my car and home as well and saved additional 200 on car and 25 dollars on home.
Hope you can use this trick as well. lol
I have been with TD for almost 2 years. Never made any claims and now they are increasing my premium for no reason. No tickets anything. Upon talking to Customer Service, they told me, sir, we can't lower down than $2600, even with Sheridan College alumi discount. I now have insurance with Cheaftain insurance close to $2040.
I called in further to an online quote and spoke to a live agent. The call took some 20 minutes, going through scroutneous details. The agent then provided me with an impressive quote, beating most competitors.
Being a cautious shopper, I told the agent that I'll think about the offer and will call back. He insisted on calling me instead as he was "most aware of (my) situation and would offer (me) the best deal".
Long story short, I called back in a few days to move forward with the deal, only to go through the same process and get a substantially higher quote. I had the original call reviewed by a manager for accuracy, and he was able to confirm I gave them accurate information and the discrepancy was a result of "keying error".
I suspect the first agent was trying to do anything to close the deal by processing an inaccurate quote. I was advised, by the manager that called me back, that insurance companies have 60 days to change their premium, even after you've bought their insurance services.
I'm pleased to have gone through this experience at the quoting stage, as this company will fail you at every level of your dealings with them.
Escalation process took a week. The written letter confirming the initial quote is not worth the paper it's printed on.
Be extremely cautious in doing business with this company.
Did you know that on average Ontario drivers with good driving records pay $1,805/year in auto insurance? Is your insurance rate higher? Get a free car insurance quote and start saving today.
I live in Ottawa, Ontario and I've been with TD Meloche Monex / Security National Insurance Company for about 3 years now. My car suffered quite a bit of hail damage during a storm a few years ago and when I went to claim it, the process was quite straight-forward and no strings attached. The insurance company wrote off the car and refused to insure it without having significant superficial repairs done to the body work. This seems quite silly and wasteful to me, especially considering it's my premiums that pay for insurance pay-outs, to write-off a car because of superficial damage, but they weren't the only insurance company to tell me this. On the plus side, the adjuster gave me a great value for the car.
While I am sometimes discouraged to know that cheaper insurance can be bought elsewhere, I am reminded often enough that my claims experiences have been 100% satisfactory. Most recently my 17-year-old daughter wrote off my mini cooper. As soon as I called in the claim, I was immediately provided with a rental car. A few days later the insurance was looking after physio and massage for the minor whiplash and concussion injury of the accident. (She walked away from a nasty collision). After a few more days I received a cheque to pay out the loan on the mini. It was as much as I paid for the used car which I'd bought only 5 months earlier. I had no arguments, and the rep called to ensure my daughter was receiving proper treatment. In other claims (there have been a few), all 100% fault to the other drivers, I have been given 100% satisfactory service. After the mini write-off, my daughter's car insurance soared through the roof, but a few months later she was off to University away from home. I was able to list her as living away, and while still insured as an occasional driver when home for holidays and the summer, my rates returned to pre-accident normal, since she was the primary driver on the mini but now removed. Wow, $4500.00 can buy a lot of uber rides for her while away.