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How TD Insurance Works with You Through a Claim
Date updated: 2026-08-11
© TD Bank Financial Group (2026). All rights reserved. Authored by: Christina Frechette
TL;DR – How does TD Insurance work with you through a claim?
- Start your claim your way, 24/7: Report eligible home, auto, motorcycle, or RV claims 24/7 through the TD Insurance app or by phone.
- Know what to expect: You'll be guided through the claims process, receive updates along the way, and may have access to emergency services, when needed.
- Stay connected: The TD Insurance app can help you track claim activity, access information, and stay informed throughout your claim.
- Take advantage of convenient solutions: Eligible auto claims may qualify for Photo-Based Estimation, allowing damage to be assessed using photos submitted through the app.
- Access trusted repair options: Preferred repair networks and TD Insurance Auto Centres may be available in your area to help support eligible auto repairs, with offer warranty-backed workmanship.
- Rebuild stronger: TD Insurance home customers with Enhanced Home Coverage may have access to Eco-Efficient Rebuild, providing the option to repair or rebuild using more resilient or environmentally friendly materials after a covered loss.
When something unexpected happens, like waking up to a burst pipe or getting into a car accident, it's important to get you back to normal, quickly and with confidence.
At TD Insurance, we work with you by providing clear next steps, flexible ways to connect, and support throughout the claims process.
Start your claim, 24/7, your way
Life doesn't always happen during business hours. Whether it's late at night or first thing in the morning, you can start your home, auto, motorcycle, or RV claim 24/7 in the way that's easiest in the moment.
- TD Insurance app: report a claim, upload photos, and track updates all in one place.
- Phone: speak directly with a claims advisor who can open your claim and guide you step by step.
What happens after you file a claim?
Each claim is different, but here's what the typically happens:
- You'll be matched with a dedicated claims advisor who gets to know your situation and guide you every step of the way
- Emergency services may be arranged if needed (for example: water damage cleanup or securing your home)
- Damage is assessed (photos or via an in-person inspection)
- We confirm your coverage and walk you through your options
- We'll guide you through repairs, replacement or settlement options
- You'll receive updates along the way
How we keep things moving
Staying connected and sharing the right information can help us support your claim as it moves forward.
What we'll do
- Guide you through each step
- Let you know exactly what's needed
- Keep you informed at key moments
How you can help
- Share details about what happened as clearly as possible
- Provide access to the damaged property or vehicle, if needed, so we can fully assess the damage.
- Provide photos or documents when requested
- Stay connected through digital tools or your advisor
Manage your claim online
With the TD Insurance app, you can track updates, upload photos when requested, and access claim-related information in one place. If you prefer, you can also sign in to MyInsurance online to view available claim details.
While both options keep you informed, the TD Insurance app offers the most complete experience, with the ability to track updates, and take action all in one place.
For home claims, which can be more complex, updates through our TD Insurance app or MyInsurance online are only shared at key milestones to keep things clear and manageable
| What you want to do | TD Insurance Mobile app | MyInsurance online |
| Start a claim (auto, motorcycle, RV, home) | ||
| Track auto, motorcycle, RV repairs | Detailed view | Summarized view |
| Track home claims | Key milestones (start and close) | Key milestones (start and close) |
| Access your home/auto claims advisor contact information | ||
| View your claim history | ||
| Use photo-based estimation (auto) | ||
| Find a TD Auto Centre | ||
| Choose a preferred auto body shop during a claim | ||
| Enroll in weather safety alerts | ||
| View your coverages | ||
| Access and/or download your pink card (i.e. proof of insurance) | ||
| Add your pink card (i.e. proof of insurance) to your Apple/Google wallet |
* Note: Claim-related features are available to the primary policyholder or account holder. Additional drivers will not have access to online claims functions.
Options designed to help simplify your claim
For eligible auto claims, you may be able to take photos of your vehicle's accident damage and upload them using the TD Insurance app – no appraisal appointment needed
Generally, this option may be available when you've consented to communicate with us digitally, the damage is visible and the vehicle is available to photograph. Once you've reported your claim, we'll let you know if Photo-Based Estimation is an option for your situation.
How it works:
- Report your claim through the TD Insurance app or by phone.
- We'll review your claim and confirm whether Photo-Based Estimation is available.
- Upload photos in the TD Insurance app
- We review and assess the damage digitally
- We guide the next steps
What does this mean for you:
- You may not need to book an in-person appraisal appointment.
- You can submit photos through the TD Insurance app if your claim qualifies.
- We'll review the information provided and let you know what happens next.
Once you've reported your claim, whether by phone or digitally, your advisor can let you know if a TD Insurance Auto Centre is available in your area. With your permission, we can help book you into a nearby location. If you'd prefer to head to a different body shop, that's okay – the choice is yours.
TD Insurance Auto Centres provides one-stop shop experience with:
- On-site claims advisors
- Certified repairs
- Rental car coordination to keep you moving.
This means less coordination, fewer handoffs and a more seamless path back on the road.
Trusted repairs you can count on
Added confidence with trusted home and car repairs
Choosing a verified contractor from our preferred network, means repairs may include warranty-backed workmanship:
- 3-year warranty on work related to your home insurance claim
- Lifetime repair warranty on work related to your car insurance claim
Both apply for as long as you remain a TD Insurance customer.
Rebuild with the future in mind
At TD Insurance, we're committed to helping support more resilient, sustainable communities.
If you have Enhanced Home Coverage, the complimentary Eco-Efficient Rebuild benefit gives you the option to repair or rebuild your home using more environmentally friendly or resilient materials after a covered loss.
This can include upgrades that go beyond standard replacements, up to 10% above your claim amount (to a maximum of $50,000).
Working together, every step of the way
A claim can feel disruptive; but knowing what to expect can help you feel more prepared.
With guidance, repair options, and digital tools that help keep you connected, TD Insurance is here to support throughout the claims process.
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