How to buy
Sold direct online and by phone; price comes from your own quote. Your premium depends on your profile, location, and coverage, so confirm current pricing with a quote.
TD Insurance is the insurance business of TD Bank Group. It sells car, motorcycle, motor home and RV, home, condo, tenant, travel and life insurance, plus small business coverage, directly to customers online and by phone. We could not verify a current AM Best financial-strength rating on TD Insurance’s own site, so we list it as not published.
Because it sells direct, TD Insurance suits people who prefer to compare and buy without a broker. The trade-off is that you only see TD’s own price, so get at least one other quote from a broker or another direct insurer to compare like for like.
TD Insurance states that, due to provincial legislation, its car insurance is not available in British Columbia, Manitoba and Saskatchewan, where basic auto comes from a public insurer. Home and other lines are offered more widely. Confirm product availability for your province in a quote.
A carrier's marketing rarely tells you what matters. Before you buy auto coverage from TD Insurance, or anyone, weigh four things that actually predict your experience:
- Financial strength. An insurer must be able to pay claims years from now. Check its AM Best financial-strength rating; A- or better signals a stable balance sheet.
- Claims & complaints. Ask how claims are reported and handled, and check any complaint information your provincial insurance regulator publishes.
- Coverage and exclusions. Two policies at the same price can differ enormously. Read what's covered, the limits, the deductible, and, most importantly, the exclusions.
- Discounts and price. Bundling, claims-free, and safety discounts move the number. Always gather at least two quotes so the comparison is real.
AM Best ratings, pricing, and product availability change over time and vary by province, so confirm the current specifics with the carrier or in a quote.
Is TD Insurance available in my province?
Carrier availability and pricing vary by province and by line of business. The fastest way to confirm whether TD Insurance writes auto insurance where you live, and at what price, is to start a quote with your postal code.
How financially strong is TD Insurance?
We could not verify a current AM Best Financial Strength Rating for TD Insurance in its own published material, so we rank it below carriers with a published rating. Ask the insurer or your broker which rating agencies rate the company that would issue your policy, and confirm before buying.
What should I check before buying a policy from any insurer?
Confirm the insurer's financial strength rating (AM Best), review complaint information from your provincial insurance regulator, read the specific coverages, limits and exclusions, ask about available discounts, and get at least two competing quotes so you can compare like for like.
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