What is TD car insurance worth? 2025 review
Our expert's review on TD
TD car insurance delivers a highly structured and competitive offering across Canada, built upon a foundation of mandatory coverage supplemented by customizable options like Collision, Comprehensive, and All Perils. Reimbursement value is shaped by adjustable deductibles and coverage limits, while notable incentives include a Claims Free Reward offering up to 35% savings in Ontario and a Lifetime Repair Warranty on work from approved auto centres.
Compared to its key competitors, TD distinguishes itself with strong digital integration and transparent discount structures, positioning it as excellent value for specific customer segments. This insurance is particularly advantageous for digitally confident buyers, drivers with a clean record, members of affiliated professional groups, and owners of hybrid or electric vehicles.
As a prominent national insurer, TD reports that customers who switched saved an average of 24%, reflecting its market reliability. While official customer satisfaction ratings are not published on its site, claims management is streamlined through a modern mobile app for filing and tracking, though specific reimbursement timelines are determined on a per-claim basis.
- ✅Lifetime repair warranty at preferred vendors
- ✅Up to 10% discount for quoting and buying online
- ✅Significant Claims Free Reward savings
- ✅Discounts for hybrid and electric vehicles
- ✅Exclusive savings for alumni/professional groups
- ✅Modern claims management via mobile app
- ✅Multi-vehicle and insurance bundling discounts
- ❌Roadside assistance requires an optional add-on
- ❌No published average reimbursement timeframe
- ❌Full premium details only available via quote
- ❌Potential exclusions for modified vehicles
- ❌Rental car coverage an extra-cost option
Score- ✅Lifetime repair warranty at preferred vendors
- ✅Up to 10% discount for quoting and buying online
- ✅Significant Claims Free Reward savings
- ✅Discounts for hybrid and electric vehicles
- ✅Exclusive savings for alumni/professional groups
- ✅Modern claims management via mobile app
- ✅Multi-vehicle and insurance bundling discounts
Our expert's review on TD
- ✅Lifetime repair warranty at preferred vendors
- ✅Up to 10% discount for quoting and buying online
- ✅Significant Claims Free Reward savings
- ✅Discounts for hybrid and electric vehicles
- ✅Exclusive savings for alumni/professional groups
- ✅Modern claims management via mobile app
- ✅Multi-vehicle and insurance bundling discounts
- ❌Roadside assistance requires an optional add-on
- ❌No published average reimbursement timeframe
- ❌Full premium details only available via quote
- ❌Potential exclusions for modified vehicles
- ❌Rental car coverage an extra-cost option
Score- ✅Lifetime repair warranty at preferred vendors
- ✅Up to 10% discount for quoting and buying online
- ✅Significant Claims Free Reward savings
- ✅Discounts for hybrid and electric vehicles
- ✅Exclusive savings for alumni/professional groups
- ✅Modern claims management via mobile app
- ✅Multi-vehicle and insurance bundling discounts
Compared to its key competitors, TD distinguishes itself with strong digital integration and transparent discount structures, positioning it as excellent value for specific customer segments. This insurance is particularly advantageous for digitally confident buyers, drivers with a clean record, members of affiliated professional groups, and owners of hybrid or electric vehicles.
As a prominent national insurer, TD reports that customers who switched saved an average of 24%, reflecting its market reliability. While official customer satisfaction ratings are not published on its site, claims management is streamlined through a modern mobile app for filing and tracking, though specific reimbursement timelines are determined on a per-claim basis.
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TD Car Insurance Guarantees
TD offers a modular car insurance package in Canada, allowing policyholders to select from mandatory coverages such as third-party liability, accident benefits, uninsured automobile protection, and direct compensation-property damage (DCPD), alongside a suite of optional add-ons including collision/upset, comprehensive, all perils, and specified perils, which can be tailored based on individual needs or lender requirements.
Noteworthy advantages include the lifetime repair warranty at TD Insurance Auto Centres, claims-free discounts, and significant digital savings, positioning TD competitively for tech-savvy or claims-free clients.
Optional features such as Grand Touring Advantage extend coverage to rental vehicles, towing, and emergency assistance—valuable in a market where such extras are not universally included.
Coverage terms, deductibles, and limits are fully customizable at quote, meeting standard provincial compliance yet offering flexibility; however, certain limitations exist, such as specific exclusions for modified vehicles, commercial use, and vehicles in poor repair, which are typical across the market. Overall, the clear bundle structure, transparent eligibility, and emphasis on online service put TD among the more adaptable and digitally advanced insurers in the Canadian market.
| Warranty name | TD Car Insurance |
|---|---|
| Formula positioning | Modular, à la carte selection per legal and personal need |
| Type of cover | Third-party liability, optional comprehensive, collision/upset, all perils, specified perils |
| Reimbursement rate (% of damages covered) | 100% up to policy limits and minus deductible |
| Annual reimbursement ceiling (maximum amount reimbursed per year) | N.C. |
| Policy excess (per claim and/or annually) | Deductible chosen by policyholder; varies per coverage type |
| Waiting period (before certain guarantees take effect) | Coverage effective on policy start date, no standard waiting period |
| Minimum/maximum age for subscription | N.C. |
| Prior risk assessment (medical questionnaire, telematics, driving history) | Driving history reviewed; telematics optional in some programs |
| Payment facilities (monthly, quarterly, annual payments) | Monthly or annual payments available |
| Advance payment of claim-related costs | N.C. |
| Compensation at purchase value/agreed value/replacement value | Purchase price if depreciation waiver option selected; actual cash value otherwise |
| Third-party liability (bodily injury and property damage to others) | Covered, limits as per provincial law (e.g., $200,000 minimum in Ontario) |
| Own vehicle damage (collision, regardless of fault) | Covered if collision or all perils chosen; subject to deductible |
| Theft of vehicle (partial or total) | Covered under comprehensive, all perils, specified perils |
| Fire (accidental or criminal) | Covered under comprehensive, all perils, specified perils |
| Broken glass (windscreen, windows, sunroof) | Covered under comprehensive or all perils |
| Natural disasters (hail, flood, storm, etc.) | Covered under comprehensive, all perils, specified perils |
| Acts of vandalism | Covered under comprehensive, all perils |
| All-risks damage (accidents of any cause, including at-fault) | Covered under all perils option only |
| Driver personal injury cover (death, disability, medical expenses) | Covered under accident benefits as legislated per province |
| Passenger injury cover | Covered under accident benefits as legislated per province |
| Criminal defence and recourse (basic legal aid after an accident) | N.C. |
| Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs) | N.C. |
| Vehicle accessories and modifications (including electric vehicle batteries and cables) | Factory equipment generally covered, modifications require disclosure and approval |
| Personal belongings inside the vehicle (excluding cash and documents) | N.C. |
| Child equipment (seats, pushchairs) | Replacement covered if damaged in covered claim (Ontario: up to $500/seat) |
| Replacement vehicle (during repairs or after total loss) | Covered with Grand Touring Advantage add-on |
| Towing and roadside assistance (including out-of-charge recovery for EVs) | Covered with Grand Touring Advantage add-on |
| Use abroad (compliance with minimum local cover; optional full cover abroad) | Canada and U.S.; policy terms may apply outside Canada |
| Vehicle use for professional/business purposes (where applicable) | Must disclose; commercial use not automatically covered |
| Driving other vehicles (third-party only or comprehensive, depending on the insurer) | N.C. |
| Trailer or caravan towing cover | N.C. |
TD Insurance Features and Coverage
TD offers digital tools for quoting, policy management, and claims tracking—including a mobile app—and provides lifetime repair warranties on claims completed at TD Insurance Auto Centres or preferred vendors. Policyholders can benefit from claims-free, digital, and bundling discounts, with certain features requiring optional add-ons for full coverage (e.g., towing, rental vehicle).
TD Car Insurance Exclusions
TD car insurance systematically excludes vehicles used for racing, competition, or illegal activities, as well as those rented or leased to others without proper coverage. Claims are denied for substantial unrepaired damage, unsafe vehicles, or when there is fraud, misrepresentation, or non-disclosure of material facts.
Coverage is also excluded for vehicles used for commercial purposes unless otherwise declared and endorsed. Notably, performance or appearance modified vehicles are subject to assessment and may be ineligible for coverage, which can be stricter than some competitors.
These exclusions conform to Canadian market norms, but the explicit reference to unrepaired vehicle damage and modifications stands out in TD’s policy.
| Exclusions | Details |
|---|---|
| Exclusions linked to the use of the vehicle | • Use for racing, competition, or illegal purposes • Use for commercial purposes (unless declared/covered) • Vehicle rented or leased to others (unless endorsed) |
| Exclusions linked to the driver | • Fraud or misrepresentation • Non-disclosure of relevant or material facts • Driving without a valid license (N.C.) |
| Technical exclusions | • Substantial unrepaired damage • Unsafe vehicles • Performance or appearance modified vehicles (subject to assessment) |
| Geographical exclusions | • N.C. |
| Contractual exclusions | • Any matter violating the terms of the insurance contract or provincial laws • Coverage ceases if policy voided due to breach |
• Use for commercial purposes (unless declared/covered)
• Vehicle rented or leased to others (unless endorsed)
• Non-disclosure of relevant or material facts
• Driving without a valid license (N.C.)
• Unsafe vehicles
• Performance or appearance modified vehicles (subject to assessment)
• Coverage ceases if policy voided due to breach
The Cost of TD Car Insurance
TD occupies a competitive position in the Canadian car insurance market, offering solid coverage options and a notable claims-free reward program that is especially attractive to safe drivers.
Their premiums generally align with other large national providers, but TD’s digital discounts and group rates can result in lower prices for eligible customers, particularly when bundling insurance products.
Unlike pure digital players, TD provides a hybrid model with both online and advisor-based service, making it accessible but sometimes less aggressively priced than direct insurers like Sonnet or Belairdirect.
TD stands out for features such as the lifetime repair warranty and the Grand Touring Advantage, but some optional covers add to the overall premium, especially for drivers requiring comprehensive packages.
Overall, TD is best considered mid-range: competitive for claims-free, digitally savvy, or group-affiliated clients, but potentially less economical than leaner digital-only brands for coverage-rich formulas.
| Basic plan | Standard plan | All Perils plan | |
|---|---|---|---|
| Young driver (18-24 years old, compact vehicle) | $120/month | $140/month | $162/month |
| Standard driver (35-45 years, intermediate vehicle) | $78/month | $94/month | $112/month |
| Senior driver (60-70 years, city car) | $64/month | $76/month | $89/month |
| Driver with an at-fault claim within 3 years | $154/month | $178/month | $203/month |
| New SUV driver | $105/month | $127/month | $149/month |
| Driver with more than 25,000km/year | $116/month | $134/month | $151/month |
For the best value, always compare TD’s rates across providers to secure the most affordable coverage for your profile:
Compare the best car insurance plans for free!Start comparingTD Car Insurance Discount Codes
| Promotional codes TD | Details |
|---|---|
| HelloSafe | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
Reimbursement Amount with TD
| Claim or service | Average price (CA$) | TD liability only | TD comprehensive (highest ceiling) |
|---|---|---|---|
| Replacement after theft | $28,000 | ❌ | Up to full vehicle value $0 (excluding excess) |
| Repair after at-fault accident | $4,500 | ❌ | Up to full repair cost $0 (excluding excess) |
| Windshield replacement | $800 | ❌ | Up to $800 $0 (excluding excess) |
| Emergency towing | $180 | ❌ | Up to $180 $0 (excluding excess) |
| Vandalism repair | $2,000 | ❌ | Up to $2,000 $0 (excluding excess) |
$0 (excluding excess)
$0 (excluding excess)
$0 (excluding excess)
$0 (excluding excess)
$0 (excluding excess)
TD Car Insurance Assistance
TD offers an optional Grand Touring Advantage that stands out for drivers, combining roadside assistance, towing, travel continuation, and replacement vehicle with a single add-on.
If you do not select this option, standard insurance does not include assistance services like 24/7 breakdown coverage, towing, or alternative transport, which can be a drawback for customers seeking comprehensive support directly from their insurer.
Coverage for accommodation or travel incidentals after a breakdown is only available if Grand Touring Advantage is chosen.
Notably, there is no specific support for electric vehicles, legal assistance after accidents, or for animals on board, which could be important for some.
Key details and coverage ceilings for assistance services are only clearly presented for those who activate additional options, making this a critical factor when considering TD for car insurance.
| Support TD | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | ✅ | Included only with Grand Touring Advantage optional coverage. 24/7 support, Canada & US. |
| Towing to repair facility / Extended towing | ✅ | With Grand Touring Advantage: towing included, conditions apply. |
| Assistance from home (0 km) | ✅ | Service starts from home with Grand Touring Advantage. Not available with basic insurance. |
| Replacement vehicle | ✅ | Provided with Grand Touring Advantage. Covers rental costs after covered loss. |
| Alternative transport or accommodation | ✅ | Included only with Grand Touring Advantage. Covers travel/accommodation after incident. |
| Vehicle repatriation | ❌ | N.C. |
| Assistance abroad | ✅ | Canada and US coverage with Grand Touring Advantage. Outside these zones: N.C. |
| Assistance for electric vehicles | ❌ | N.C. |
| Battery assistance & fuel misfuelling | ✅ | Battery and fuel assistance with Grand Touring Advantage. Fuel misfuelling: N.C. |
| Legal assistance after an accident | ❌ | N.C. |
| Assistance for animals on board | ❌ | N.C. |
| Key recovery & lock replacement | ✅ | With Grand Touring Advantage: includes lost key service and lockout support. |
24/7 support, Canada & US.
Not available with basic insurance.
Covers rental costs after covered loss.
Covers travel/accommodation after incident.
Outside these zones: N.C.
Fuel misfuelling: N.C.
Customer Reviews of TD Car Insurance
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 1.4 out of 5 (312 reviews) |
- ✅ A number of customers mention that TD offers competitive initial pricing, particularly for bundled home and auto policies.
- ✅ Some policyholders praise the convenience of the online quoting system and the user-friendly mobile app for managing policies and claims.
- ✅ A few reviewers report prompt claims approvals and smooth reimbursement processes in straightforward situations.
- ❌ Many customers express dissatisfaction with significant premium increases on renewal, even when claims have not been made.
- ❌ Several policyholders report difficulty reaching customer service and experiencing long wait times, especially during urgent situations.
- ❌ Complaints about slow or unclear claims processing are common, with some reviewers feeling information was not proactively provided.
- ❌ Technical issues with the website and app, particularly during the claims process, are frequently cited.
- ❌ Some customers experienced confusion or problems with policy cancellation and the refund process.
How to Contact TD?
| Customer service TD | Contact information |
|---|---|
| To obtain a quote or take out a policy online | You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. TD direct online quote: https://www.tdinsurance.com/quote/car/ontario Phone: 1-866-454-8910 |
| To report a claim | File online at https://www.tdinsurance.com/claims, through the TD Insurance Mobile App, or by calling 1-866-454-8910. Full claim guidance and document upload are available online and via the app. |
| To request and track a refund | Contact customer service by phone at 1-866-454-8910 or by mail at TD Insurance (Corporate Secretariat), 50 Place Crémazie, 12th Floor, Montreal, QC H2P 1B6. The appropriate steps, required documents, and method of refund (typically to original payment method) will be explained during your call; processing is usually completed within a few business days after approval. |
| To obtain an insurance certificate | Request through your online account, the TD Insurance Mobile App, or call 1-866-454-8910 to receive your insurance certificate (pink slip) by email or mail. Digital proof of insurance is available in most provinces. |
| To contact assistance | For general inquiries, policy questions, or assistance, call 1-866-454-8910 or visit https://www.tdinsurance.com/contact-us. For mailing: TD Insurance (Corporate Secretariat), 50 Place Crémazie, 12th Floor, Montreal, QC H2P 1B6. |
| To cancel my contract | Call 1-866-454-8910 to notify TD of your intent to cancel. You may need to provide written notice, your policy number, and a signature. Notice period and refund eligibility will be confirmed based on your contract. Mailing address: TD Insurance (Corporate Secretariat), 50 Place Crémazie, 12th Floor, Montreal, QC H2P 1B6. |
TD direct online quote: https://www.tdinsurance.com/quote/car/ontario
Phone: 1-866-454-8910
FAQ
Do I have to pay in advance for repairs or assistance with TD?
If you have repairs completed at a TD Insurance Auto Centre or an approved partner garage, TD usually pays the repair facility directly, so you don’t have to pay in advance (other than your deductible). For towing arranged through TD as part of eligible coverage, payment is generally direct as well. If you use your own provider, you may need to pay upfront and request reimbursement.
How do I cancel my car insurance contract with TD?
Contact TD customer service by phone or through your online account to request cancellation, provide written notice (typically 30 days), and supply your policy number and a signed cancellation form; additional documents such as proof of new coverage may be required.
How do I submit and track a claim with TD car insurance?
You may submit a claim online, via the TD Insurance app, or by calling 1-866-454-8910. After filing, you’ll be assigned a claims advisor who will guide you through providing necessary information and documents. Claim status can be tracked online or through the app, providing you with updates throughout the process.
What discounts can I get with TD car insurance?
TD offers multiple discounts, including 10% off for buying online, up to 35% savings with the Claims Free Reward in Ontario, group and alumni discounts, multi-vehicle/bundling savings, and a 10% discount for hybrid or electric vehicles. Eligibility and amounts vary, so ask during your quote process or review your policy details.
Does TD car insurance offer roadside assistance or rental car benefits?
Roadside assistance, towing, and rental car coverage are included with the optional Grand Touring Advantage. If purchased, you receive support for emergencies, towing, rental costs, and even travel continuation across Canada and the U.S. Details of these benefits are outlined in your policy, or you can speak with a TD advisor for clarification.
How do I request a refund from TD after cancellation?
Contact TD at 1-866-454-8910 or through your online account to request a refund after cancellation. You’ll need your policy details, and refunds are typically issued to your original payment method after processing—timelines may vary based on your account and the date cancellation is finalized.
Do I have to pay in advance for repairs or assistance with TD?
If you have repairs completed at a TD Insurance Auto Centre or an approved partner garage, TD usually pays the repair facility directly, so you don’t have to pay in advance (other than your deductible). For towing arranged through TD as part of eligible coverage, payment is generally direct as well. If you use your own provider, you may need to pay upfront and request reimbursement.
How do I cancel my car insurance contract with TD?
Contact TD customer service by phone or through your online account to request cancellation, provide written notice (typically 30 days), and supply your policy number and a signed cancellation form; additional documents such as proof of new coverage may be required.
How do I submit and track a claim with TD car insurance?
You may submit a claim online, via the TD Insurance app, or by calling 1-866-454-8910. After filing, you’ll be assigned a claims advisor who will guide you through providing necessary information and documents. Claim status can be tracked online or through the app, providing you with updates throughout the process.
What discounts can I get with TD car insurance?
TD offers multiple discounts, including 10% off for buying online, up to 35% savings with the Claims Free Reward in Ontario, group and alumni discounts, multi-vehicle/bundling savings, and a 10% discount for hybrid or electric vehicles. Eligibility and amounts vary, so ask during your quote process or review your policy details.
Does TD car insurance offer roadside assistance or rental car benefits?
Roadside assistance, towing, and rental car coverage are included with the optional Grand Touring Advantage. If purchased, you receive support for emergencies, towing, rental costs, and even travel continuation across Canada and the U.S. Details of these benefits are outlined in your policy, or you can speak with a TD advisor for clarification.
How do I request a refund from TD after cancellation?
Contact TD at 1-866-454-8910 or through your online account to request a refund after cancellation. You’ll need your policy details, and refunds are typically issued to your original payment method after processing—timelines may vary based on your account and the date cancellation is finalized.
