TD Insurance car and auto insurance

TD Insurance Auto Coverage

TD Insurance is one of the largest providers of direct-response home and auto insurance in Canada, and ranks among the top three personal insurance groups in the country for home and auto coverage.

Originally known as Meloche, TD Insurance became the only Canadian brokerage to own both brokerage and underwriting entities. In 1991, the company rebranded as Meloche Monnex Inc. By 2000, after establishing offices nationwide, it joined the TD Bank Group and was renamed TD Insurance.

TD Insurance offers a range of products, including coverage for home, auto, life, and travel insurance needs.

Other Types of Insurance Offered by TD Insurance

As a leading financial institution in Canada, TD Insurance provides a wide range of insurance products beyond just auto coverage.

For homeowners, TD offers the “Million Dollar Solution” plan, which provides a flexible coverage amount that can be used for various purposes, such as rebuilding or replacing personal belongings after a loss.

TD also offers a traditional all-risks policy, which covers named perils and includes the following enhancements:

• Family Coverage: This covers costs related to incidents such as cyberbullying and provides liability and content coverage for parents living in nursing homes.
• Eco-Efficient Rebuilds: Offers coverage for eco-friendly upgrades following a covered loss.
• Claims Forgiveness: After your first claim, you won’t face a premium increase when your policy renews.
• Additional Coverage: For high-value items like fine art or jewelry that need special coverage.

Other available types of insurance include:

• Condo Insurance: Extends home insurance coverage to condominium owners.
• Tenant Insurance: Protects renters by covering liability and personal belongings.
• Travel Insurance: Offers medical coverage tailored to your travel habits, whether you need a one-time plan or annual coverage for frequent trips.
• Life Insurance: Provides financial protection for loved ones in the event of death, helping with funeral costs or financial support during a challenging time.
• Accident and Health Insurance: Covers critical accidents, disabilities, injuries, or death, ensuring you and your family have financial support in times of need.
• Small Business Insurance: Offers tailored coverage for small businesses, including Commercial Auto, Commercial Property, and General Liability insurance.
• TD Protection Plans: Protects against financial strain by covering mortgages, credit cards, loans, or small business credit in the event of a covered incident.

TD Insurance provides a streamlined, all-in-one experience for auto claims and repairs through its TD Insurance Auto Centre. At this single location, you can file a claim, drop off your vehicle, get an appraisal, have it repaired, and even rent a car if necessary. Throughout the entire process, you only deal with one point of contact—the TD Insurance adjuster assigned to your claim, making it a hassle-free experience.

Additionally, TD offers the TD MyInsurance app, which allows customers to easily manage their insurance from home. The app lets you update policies, add or change vehicles and drivers, modify billing information, and access important documents. You can also download a digital pink card directly to your phone, so you no longer need to search for it in your glove compartment.

TD Insurance discounts

TD Insurance offers a variety of discounts that can be applied to different types of vehicles, including ATVs, motorcycles, and more.

Based on your specific needs, driving habits, and safety record, you can take advantage of the following discounts:

• Multi-product Discount: Save by bundling your home and auto insurance policies.
• Multi-vehicle Discount: Get a discount for insuring two or more vehicles.
• Hybrid or Electric Vehicle Discount: Receive savings if you drive a hybrid or electric vehicle recognized by the Insurance Bureau of Canada (IBC).
• Increase Deductibles: Lower your premiums by opting for higher deductibles on your auto insurance.
• Remove Collision Coverage: Consider removing collision coverage for older vehicles to reduce costs.
• Claims-Free and Conviction-Free Discount: Maintain a clean driving record to qualify for discounts based on staying claims-free and conviction-free.
• Online Quote Discount: Enjoy a 10% discount when you get a quote and purchase your insurance online.
• Group Discount: Access additional savings if you’re part of an alumni group, employer organization, or professional association.

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