Customer Service & Problem Resolution
At TD Insurance, we're committed to providing the best possible customer experience. If you have a concern about TD Insurance or the service you have received, we want to work with you to resolve it as efficiently as possible.
If a problem cannot be resolved immediately, the following steps are taken to ensure it is fixed as quickly and fairly as possible. To assist you in reaching a resolution please follow these steps:
Step 1: Voice your complaint
Tell us about your complaint, our leadership team will work with you and their team directly to attempt to resolve the concern.
You can use the contact information below for complaints or information inquiries related to:
- General Insurance, Home and Auto
- Life & Health
- Credit Protection
- Travel Insurance
- Home & Auto Claims
If it remains unresolved and you wish to escalate your concern, you will need to receive a final position from the team you're working with on the matter and at your request, they will escalate to our TD Insurance Customer Care Department directly.
Step 2: Escalate your Complaint
Only once step 1 is completed, you can escalate your complaint by one of two ways:
- By asking the individual you are dealing with at Step 1 to escalate on your behalf or
- Escalate the complaint directly with our TD Insurance Customer Care Team.
TD Insurance Customer Care Department
PO Box 1
Please be sure to include your full name, address, telephone number, policy, and/or claim number in all inquiries.
Step 3: Escalate in writing to the TD Ombudsman's Office
If you have completed the first two steps outlined above, received a response in writing from a TD Insurance Customer Care Team Manager and your problem or concern still remains unresolved, you may contact the TD Ombudsman's Office. The TD Ombudsman's Office will review your concern and determine whether it falls within their mandate. If so, they will assign your matter to an investigator who will complete an impartial review of your concerns and provide you with their final recommendation.
Escalations to the TD Ombudsman's Office must be made in writing. Please be sure to provide them with your contact information, details of your concerns, and your proposed resolution. You can send your complaint to:
Attn: Office of the Ombudsman
P.O. Box 1
If you have questions about the TD Ombudsman's Office's process, or require assistance in escalating your complaint you can reach them at 1-888-361-0319 or visit their website for more information: www.td.com/ombudsman.jsp
Step 4: Escalation outside of TD Insurance
If your concern remains unresolved after you have received the TD Ombudsman's final position letter, you may choose to contact the appropriate Ombuds Service listed below:
Contact for home and auto complaints:
General Insurance OmbudService (GIO)
1-877-225-0446 (toll free)
10 Milner Business Court, Suite 701
Toronto, Ontario M1B 3C6
OmbudService for Life & Health Insurance (OLHI)
1-888-295-8112 (toll free)
20 Adelaide St. East, Suite 802
P.O. Box 29
Toronto, Ontario M5C 2T6
Autorité des marchés financiers (AMF)
1-877-525-0337 (toll free)
Direction des plaintes et de l’indemnisation
800 Square Victoria, 22th Floor
C.P. 246, Tour de la Bourse
Montreal (Quebec) H4Z 1G3
Financial and Consumer Affairs Authority
Suite 601, 1919 Saskatchewan Drive
Regina, Saskatchewan S4P 4H2
Financial Consumer Agency of Canada
The Financial Consumer Agency of Canada (FCAC) supervises federally regulated financial institutions to ensure that they comply with federal consumer protection laws.
The FCAC also helps educate consumers, and monitors industry codes of conduct and public commitments designed to protect the interests of consumers. At TD Insurance, we comply with consumer laws that protect you in various ways. For example, we will provide you with information about our complaint-handling procedures.
If you have a complaint regarding a potential violation of a consumer protection law, a public commitment, or an industry code of conduct, you can contact the FCAC in writing at:
Financial Consumer Agency of Canada
Enterprise Building, 6th Floor
427 Laurier Avenue West
The FCAC can also be contacted by telephone at 1-866-461-3222 (en français 1-866-461-2232)
For more information about the FCAC, please visit www.fcac-acfc.gc.ca
Please note: The FCAC does not become involved in matters of redress or compensation – all requests for redress from TD Insurance must follow the problem resolution process available in this site.
"We’re dedicated to resolving problems quickly and fairly."