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Business Profile

Insurance Companies

TD General Insurance Company

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for TD General Insurance Company's headquarters and its corporate-owned locations. To view all corporate locations, see

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TD General Insurance Company has 17 locations, listed below.

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    Customer Complaints Summary

    • 172 total complaints in the last 3 years.
    • 73 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:24/04/2024

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I was a customer with TD insurance for our home. I received a letter (via email) on February 20, 2024 that our insurance was going to be renewing on April 01, 2024 and our premiums were going up again. So, I logged into their “my insurance” portal on February 22, 2024 and chatted with an agent and asked her why my premiums were rising again when I have never made a claim. She said it was due to the cost of living going up. So I told her that I would not be renewing with them since the premiums were double what we agreed on when I signed with them. She said to let her see if she could reduce it. She was able to shave $3.00 off. I told her that wasn’t good enough and I no longer wished to use them and to not renew my contract. The other day April 16, 2024 I received a letter in the mail stating that they were unable to take money out of our bank for their premiums. So I called them. Unfortunately I wasn’t able to speak with a human since their phone service was impossible to get customer service. So I chatted with a fellow and told him that they shouldn’t be trying to take money out of our bank account, since we didn’t renew with them. He said our policy renewed on April 01, 2024 and if I wanted to cancel it I would be charged fees for doing so. I said “I don’t need to cancel it, since I informed you in February that we would not be renewing with them ***** **** **** **** ***** *** *******. Now the keep ********* me about me having to write letters and signing papers to cancel our policy. I keep telling them that the policy is their error, since I didn’t renew it.

      Customer Answer

      Date: 17/05/2024

      I have settled the matter with TD insurance

    • Initial Complaint

      Date:27/02/2024

      Type:Billing Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Without my permission, TD Insurance (TDI) made home insurance auto-renewal by default. TDI automatically renewed my home insurance (December 29, 2023 to December 29, 2024) ******* ** ***********  Then TDI sent me a bill for the services that I didn't ask for. In addition, TDI kept sending me letters and ********* me to send the bill to collector. ** ** ****** ** **** ********** * ******* ** ********* *** **********  On February 27, 2024, I called TDI to explain that: - I have no intention to renew the policy - I intended not to renew it last year and end up paying for the Dec. 29, 2022-Dec. 29, 2023. - I expressed my intension not to auto-renew before - I don't owe TDI any money. Charging me $202 is not reasonable - ** *** ********* * ***** **** * *** *********  The TDI employee told me that: - Since some customers forget to renew, they set up auto-renew by default; (I said that TDI should provide services to customers like me who prefer no auto-renew by default) - He can cancel the bill if I can tell him the time that I called or to show him my home insurance with other company. The issue is not resolved and I have to file this complaint. -It is not reasonable to set up auto-renew by default without my permission at the first place. There are customers like me who prefer no auto-renew by default. TDI didn't provide services to this type of customers. *** ** *** ********** ** *** ** ** **** *** ** **** ********* **** ***** ******* ******* ** ** ********** ** **** The main point is that TDI does auto-renewal by default without my permission and charging me afterwards.

    • Initial Complaint

      Date:21/02/2024

      Type:Billing Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      In January 2024, I received a call from a TD Insurance agent stating that my pre-authorized payment was declined. Once made aware of my mistake over the phone with the agent, I immediately paid the declined payment and the surcharge as I take full responsibility for the declined payment. TD then advised me that my new premium would increase from $2500 per year to $3900 per year. I was shocked as I believe TD did not make a reasonable effort to communicate with me until when I received a phone call in January. It was discovered that TD repeatedly sent letters to an incomplete address (missing apartment number - even thought a copy of my license clearly shows my appt number). I realize that the declined payment was my fault. I feel however TD Insurance could have called or e-mailed me advising me of the issue so that I could have pro-actively fixed it. While I believe it is my sole responsibility for the declined payment in which I immediately rectified the situation upon contact by phone, I do not believe it is my sole responsibility for TD not being able to reach me as: 1- Upon setting up the account, I can only assume the TD agent have a checklist and could have confirmed the address to ask if there was an apartment number. 2-TD had a copy of my driver’s license which clearly shows my apartment number. Why is fair that it is only my fault when you send me info by email to verify, but not a TD representative to verify all send information by the client? 3-After receiving notice of mail being return to TD, why did TD not call or email? Why only after cancellation? 4-If TD can call and collect payment after cancellation, why could they not call the same number to advise of the issue? 5-If TD can send a secure email on February 16th, 2024, why could they not email me to advise of the issue? **** ***** *** ****** ** * ***** **** ** ****** *** ******** 

    • Initial Complaint

      Date:07/11/2023

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I got insurance from td insurance, after 2 years, I found a better, cheaper insurance company, and TD said NO. So I bought a car July 28th 2021 and needed insurance, I called TD and got insurance immediately, I paid the entire year upfront, when it came time to renew, they renewed me without asking, again I paid for the entire year upfront. So this year I got insurance from *****, and again paid for the year, about 6 weeks before they renewed me they sent me an email, I explained that I got a new insurance company and to NOT RENEW me, I got an email saying thank you we received your email, so I went on with my life, then July 28th rolled around and TD sent me a bill for $4000,I called and told them I went somewhere else and they said no. Apparently you have to email TD and ask for permission to leave TD and it's up to them to allow you to leave or not, I did that and again heard nothing, so I went on with my life, then they started calling and sending threatening letters, which I ignored.* ** ** ***** ***, I DO NOT NEED PERMISSION TO SWITCH INSURANCE COMPANIES, again I don't hear anything, hoping everything was taken care of, NOPE, I came home today and received a letter from a collection agency saying I owe TD $ 700 because I left without permission. I am done with these people, ** **** **** **** ** ********* ** ******** *** ***** ** *** *** ********** ****** *** *********** ****** *** ******** * **** **** ********* **** ******** *** ****** ********* *** ** ****** ** *** **** *** ***** ******* *** ******* ** ******* ***** ******** *** ********** *** **** *** ***** ** ***** ****** ********* ****** ** *** ***** ****** ***** * **** **** ** ****** ***** *** ******** ** **** * ** **** ******* ***** ***** ************ ***** ****** **** ******* *** *********** *** * ** *** ****** ** *** *** ***** **** ********** ******* ***** ********* *** ***** *******

      Customer Answer

      Date: 30/11/2023

      has been resolved, after 4 months of headaches they suddenly wanted to resolve the issue immediately, so thank you

    • Initial Complaint

      Date:07/09/2023

      Type:Order Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Car accident April 16, 2023 We were initially told by TD insurance agent that the car would likely not be able to be salvaged. After waiting weeks to hear from their inspector, we were told that it would be salvaged. As a result of this discrepancy, the car was taken to a repair shop and not the authorized dealership. We have now been waiting for five months for our agent at TD, ******* *****, and the repair shop (**** *** * ****) to repair the car and give it back to us. We have only received vague updates three times that the car would be ready in a "few weeks." We have had to pay $10,000 in lease payments for a brand new car (purchased winter 2023) that we can not use. We have no car to go to school, work or kids' practices. We would like a) our car fixed; b) rental insurance provided if they can't get it repaired given that this has been an entirely unreasonable time period; c) the deductible of $1000 waived given the cost that this unreasonable wait process has caused us. We call and email more than once per week and we STILL HAVE NO CONFIRMED DATE ON WHEN WE CAN GET OUR CAR or that it will be safely fixed!! Every week, it is "a few more weeks."

    • Initial Complaint

      Date:01/09/2023

      Type:Order Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      My daughter and I purchased two tickets from Toronto to Istanbul with a self-transfer from Rome and purchased travel insurance with **. It was my understanding that in the case of any issues, we would be refunded/reimbursed. Unfortunately, when leaving Toronto we missed our flight from Rome (due to a delay in Toronto) and we ended up missing my daughter's wedding (which was the reason we initially flew to Istanbul) we purchased two more tickets from Rome along with other miscellaneous expenses. Nonetheless, when we came back from Istanbul we contacted ** and they refused to compensate us for the missed flight and other expenses. We’ve tried sending emails and attempts at phone calls, but none have been successful. We’re left in an unfortunate circumstance as we spent a large amount thinking if anything goes wrong our insurance would be able to cover us, only to find out we had paid for coverage and received nothing in return. We bought tickets at the beginning of August and ** was to provide us full coverage for delays, cancellations, etc… as for the business itself, they have unfortunately not resolved the matter which is why we’re writing this complaint as we feel it’s unfair to us.

    • Initial Complaint

      Date:09/08/2023

      Type:Order Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Pay my claim for stolen items claim has not been paid and is owed as per the documentation provided to insurance company not a friendly customer experience

    • Initial Complaint

      Date:24/07/2023

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      In November of 2022, I cancelled my TD Insurance as I wasn't interested in renewing my policy. They tried to take out a payment anyways and at a higher rate. I didn't expect to be charged that money and didn't have enough to cover the bill. I contacted TD Bank and they returned the money and their NFS fee. They advised me to cancel the payment authorization and file a complaint. I'm assumed everything was sorted as I never got an email response or phone call from TD Insurance. This was after I had already contacted them by phone and they said everything was fine and my policy was cancelled. Today I was emailed by a collection agency for the amount of 78.54 even though I didn't owe any money to TD Insurance. I paid because I didn't want to have my credit score effected. I shouldn't have to pay a collection agency and have my credit effected when I did nothing wrong. **** ** ****** ******* *** *** ***** *** ********** ** ** **** **********. I have emails and TD records all of their phone calls. I would like my money back as I should never have had to pay a collection agency money that I didn't even owe. I'm now worried about my credit score when TD Insurance never even contacted me after I canceled.

      Customer Answer

      Date: 01/09/2023

      TD Insurance reached out to me and refunded the amount.

    • Initial Complaint

      Date:15/05/2023

      Type:Order Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      We opened a claim on April 6 due to water infiltration in the basement, TD sent this contractor from *** and he advised that they will pay and ripped out basement floors and packaged everything and installed machine to remove the water and the smell and never returned to fix what he broke, when we called he told us the insurance don’t want to pay. We are now ignored and ** **** ********* ** * *** ****** ******* **** stranded with a broken basement and are keeping telling us we are not insured. **** ** ******* ****** I am requesting from TD to fix my newly renovated basement the way it was before as **** ** ** ** ************** ** ** TD that sent their contractor and based on their approval he broke our basement. ** *** ****** ********* ** *** ******** *** **** *******

    • Initial Complaint

      Date:10/05/2023

      Type:Order Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On Jan 12, 2023 approximately 3-4 pm in parking lot of ******** ****, my boyfriend ******* ***** ******, went into ******** **** to purchase tools (he had permission to borrow my truck while I was at work). It was stolen and my GPS drone app alerted us it was being taken. ******* immediately called 911 and we spent the night assisting 3 undercover police officers on a chase through country backroads ******* **** **** ****** *** ***** ** **** **** ******* ** ** **** *********** **** *** ***********. ***** ** * ******** **** ** * **** ***** **** ***** then was abandoned on the side of the road. ** *** ****** ** *** ** **** *********** **** *** *** **** *** *** ******* ** *** ** **** ** *** **** *** *** *** ** *** ******** ***** ** ****** *** ** *** ********** ** ** * **** **** ****** *** ** *** ***** ** *** ******  My truck sustained damage due to the theft such as a broken windshield, punched out door locks, tampered ignition, pulled out wires from the dash, drone app receiver was damaged, fenders were damaged, front and rear diff seals blown, water pump blew, suspension and steering is broken, fender broken, and my tailgate no longer latches. These are only the items I could tell were obviously from the theft. After personally taking it for an inspection I decided to proceed with the claim I opened with TD the night it was stolen. Since then my truck has been towed from mechanics, to body shop, to mechanics, and no one at TD will give me any information on the appraisers report or reasoning for refusal of repairs and at this time TD is also stating they cannot confirm or deny if my truck is covered. I was initially quoted 5 business days. It has now been 82 business days. I have asked to speak to management, to get reports or any information, and have thus far been ignored. Now they are running a special investigation into the incident and meanwhile my truck which I prepaid my premiums for is sitting at a mechanic shop and I am unable to use it.

    TD General Insurance Company is NOT a BBB Accredited Business.

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