TD Insurance Home Insurance Reviews

My premium increased like $50 because of inflation, which seems a bit steep. I found a better insurance. So I requested to cancel and asked about a cancellation fee. I was told I was owed $5. Great. Then come time for new insurance to be paid, my TD insurance also comes out, a decent charge too. I call customer service, and they admit to making a mistake and that there was a cancellation fee. I was not informed of this, or I would have planned for the funds to be available. Now they put me in a predicament where I will be NSF’d bc I have other bills coming out. They refuse to help me out or do anything for me, even though it was their mistake. Do not recommend.

Absolutely a waste of time and very rude. Explained the house insurance we had ended on the 17th of the month, and they set the new insurance with them to start on the 20th, leaving a 3-day gap. Once they realized they made an error they cancelled the insurance policy citing a breach of internal policy, never taking accountability for the mistake they made.

Everything is fine until you have a claim. Unable to speak to anyone, no follow-ups, running after the money they owe us, ghosting us after complaints and outright lying to us that they did not receive documents from a month ago. Overall very stressful and frustrating to say the least. We have been good clients for over 10 years but will never go back. Still waiting on our claim though…

I got the same coverage for $1000 per year, but TD insurance was charging me $2000 from last 7 years and I had no claim history. Staff is very rude. Even manager was too rude and said to me “if you don’t like us then don’t buy from us”. I am even going to stop banking with them.

We have a claim for the Jasper wildfire and from the very start TD insurance has been a nightmare. Adjusters are impossible to get a hold of. When you do, they are completely uncaring and cold. You are questioned like you are on trial, and they are trying to find you in a lie. They are trying everything not to pay out. As soon as we are done, we will be switching insurance companies.

TD INSURANCE CLAIM is worst experience, never ever recommend to someone. Recently with Calgary hail tried to make claim, waited for 3 hrs and 26 mins and after that got someone on call, raised the claim number with the promise that i will receive call back within 24 to 48 hrs but no response till now after 72 hours. Trying to log in through online all in vain, called their call center they simply say we are helping TD BANK ACCOUNTS and this one is 3rd part vendor so you have to talk to them directly. It seems like a big scam of this big bank by making fool of people by believing you are dealing with TD but in actual they are just enjoying their part of income from 3rd party vendor and don't bother about their clients at all. WORST EVER EXPERIENCE WITH THEM, I WISH I COULD HAVE GIVEN THEM 0 STARS :(

My representative stated that they would give an estimate last Friday over 1.5 weeks since the accident. We sent him numerous calls and emails and nothing! As though he ghosted us. Not impressed at all!

I purchased an “enhanced” home insurance coverage with “extended” water damage. I never had a claim before. Due to heavy rains, water entered into the basement causing molds. TD sent their contractor from First Onsite to conspire with them as he is getting paid by TD. They denied my claim due to “gradual” damage, which is their excuse for every claim to escape from paying for damages. TD is a public company, so I got rid of my shares right away due to their unethical business practices. No wonder they are being investigated for money laundering. Do not use TD for anything. Evidently it was not gradual, as we sleep and work in the basement. They are deceitful. I have never seen the exclusion items, which essentially was a tactic to never pay for damages prior to purchasing home and car insurance from them.

This pathetic company lured me in with a "reasonable" premium (3000 CAD) for the first year, then, in spite of being claim-free for several years, offered to renew with a premium of 4000 CAD... Their explanation was that this increase was a general trend over the province. I checked and found out that actually the average increrase was about 7-8%. So I shopped around and found a better policy for 3100CAD.
Don't waste your time with these clowns...

I have insured with TD for my home and car for over ten years. I never claimed anything until last year, my car was stolen, when working with TD for the accident, there is no sympathy, no support, very bad customer experience. I regret that I supported such a cold company over the last ten years. I will never do any business with TD. When you need help, they push you away.