Review Time
I’ve had multiple accidents covered under TD Insurance, including one in 2024 and another a few months ago where my car was rear-ended. What’s most disappointing is how little concern they showed for my health and recovery after the accident.
Despite having coverage, getting approvals for proper treatment has been extremely frustrating. Instead of focusing on a client’s well-being after an accident, the responses I received were mostly along the lines of “policy limitations” with very little support or empathy. When you’re injured and dealing with stress after an accident, this is the last thing you expect from your insurance provider.
This experience has made me feel that TD prioritizes policies over people. Based on my experience, I would not recommend TD Insurance to anyone looking for reliable accident and health support.
Alberta’s private insurance system already puts consumers at a disadvantage, and companies like TD only make it worse. We need better accountability and better care for people who are paying high premiums and expecting real support when they actually need it.
I wish there was a zero star option, as they have become a very poor operating insurance provider. My car broke down due to a blown engine, and the repair costs exceeded the vehicle's worth. In my frustration, I contacted the insurance provider and was told I had to cancel my policy without any offers for fire or theft coverage while I searched for a new vehicle. Four days later, after acquiring another vehicle, I called back, only to be informed that my policy had been canceled. I was under the impression that I could simply switch my new vehicle to the old policy. Instead, I was told I had to start a new application, undergo a credit check, and face various hurdles after being a loyal customer for 15 years. It was a frustrating experience, and I decided to leave because the new application process was a complete nightmare, potentially taking up to 10 days to process. I found new insurance in less than 24 hours with another provider. Goodbye to this service; they are a disgrace to their loyal customers.
I would rate this experience with no stars if possible. I acknowledge my mistake in not being able to make a payment on time due to some banking issues, which were resolved quickly. However, the company was unyielding, imposing strict deadlines and refusing to update my status. I received incorrect information, and the justification given was that the representative no longer works there. This has now created a negative impact on my future insurance for the next six years. They simply shifted responsibility and concealed themselves behind the company's authority. I strongly advise against using this service!
They claim to offer numerous discounts, yet as a long-term account holder covering both home and auto insurance, my rates have increased every year. With multiple individuals and vehicles on the plan, the customer service is lacking; they struggle to address or explain policy issues. Despite being accident-free and having a G license, my premium inexplicably increased. This situation does not reflect the discounts they advertise.
This company has become incredibly frustrating lately. I requested email instructions for canceling retroactively, but they informed me that was not possible. Meanwhile, I can send them emails without any issue. I didn't receive their renewal notice, which came with an outrageous increase of over 100%, and I didn't file any claims.
I faced an unexpected $30/month increase without any notification. They expect constant tracking of my movements through a new app. While I was a passenger on a road trip, I didn't review anything, leading to this surprise increase in my insurance. When I spoke with a supervisor, I was told to handle it myself and that they'd review it in a year. I waited over two hours to speak with someone and felt treated like a child. This is unacceptable, and I plan to report this to the insurance regulatory board. I'm switching providers.
We experienced ice dam damage in January 2025 and were shuffled between adjusters who never assessed the situation in person. They referred us to a recovery team, which turned out to be another disaster. Customer service from both the insurance and the recovery team was the worst. We ended up paying for the removal of the ice dams and lost blinds that were taken without being returned. The first mistake was not sending an adjuster, and the second was hiring that recovery team. Research thoroughly before choosing an insurance provider.
The issues began when my home policy renewal suddenly increased by nearly $400 without any clear reason. There were no claims or changes. After spending almost an hour on hold, the representative couldn’t give me a straightforward answer. Initially, they claimed it was due to a system update, then another agent cited 'location risk,' despite my long-term residence. To make matters worse, they withdrew the monthly payment earlier than expected, causing an overdraft. I eventually canceled the policy, but they retained part of the payment for the next month, claiming it had already processed. While the insurance itself was fine, their customer service is a complete mess. I learned my lesson the hard way.
Clearly, customer service isn't their strong point. Every time I suggest improvements, the representative insists it's my fault. They are rude and unhelpful. Payment timing is inconsistent, which is frustrating when living paycheck to paycheck.
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