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How our benefits make the difference
With TD Insurance, you can take advantage of bundle and save discounts, home and auto claim repair warranties, plus existing TD customer savings on your life or business insurance. See why it’s better to be with TD Insurance and how we’re making a positive difference in the diverse communities we serve.
Rated one of the top insurance apps in Canada
Access your policies right from your phone
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Update your coverage
Change your policy to accommodate vehicle changes, home upgrades, new possessions or life stage. Add optional coverage, such as Accident Forgiveness, Extended Water Damage, Identity Theft Recovery, Grand Touring Solution and more.
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Billing and payments
View and manage your payment schedule, update your billing information. and pay with your Bank Account, Debit Card, Credit Card or Apple Pay.
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Start and track a claim
Start the claims process, submit incident details and damage photos to speed up the assessment.
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Digital pink card
Download, store and conveniently access your pink card through Apple Pay or your Google Wallet. Digital proof of insurance is not accepted in all provinces or territories.
Coverage and benefits that deliver more
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Auto
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Home
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Travel
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Life
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Accident
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Business
Explore our car insurance coverage options
Grand Touring Solution
Grand Touring Solution is an optional coverage that provides a rental vehicle in the event of a claim, insurance coverage on a rental vehicle and waiver of deductible in the event of a hit and run.
Glass chip repair with no deductible
TD Insurance customers with comprehensive coverage can take their vehicle to a preferred vendor location and repair windshield chips at no cost. No need to call TD Insurance or pay a deductible.
TD MyAdvantage
Sign up for this driving program to earn a personalized premium based on your driving habits. Enrol and activate TD MyAdvantage in the TD Insurance app.
Photo-based estimation
Take photos of your vehicle’s accident damage and upload them using the TD Insurance app, helping to make your claims process faster and more convenient11.
Explore our home insurance coverage options
Water damage coverage
Help keep your home protected with broad water damage coverage against one of Canada’s top home insurance claims. Get additional coverage for extensive water damage from a variety of water-related scenarios.12†
†Automatically included, subject to eligibility.
Eco-efficient rebuild
With our Enhanced Home Coverage package, the Eco-Efficient rebuild option provides additional coverage, above and beyond the cost of repairs, to allow for eco-efficient and resilient material upgrades following a covered loss.
Solar panel protection
Our standard homeowner policy includes protection for solar panels.
Family protection coverage
Customers with the Enhanced home coverage package have protection for situations such as cyberbullying, parents living in nursing homes and other important matters that may impact your family.
Explore our travel insurance coverage options
24/7 Worldwide Emergency Assistance
Whether you’re travelling to another Canadian province, territory or around the world, our travel insurance plans can help protect you while you’re away. Additionally, you'll have access to 24/7 worldwide emergency assistance by phone with our administrator.
Top-Up or Extension
Coverage if you have an existing travel medical insurance plan and need to extend your period of coverage for a particular trip. Or, if you have a trip cancellation and trip interruption plan, you can add additional coverage if your trip cost is higher than your existing coverage with TD Insurance.
View your TD Credit Card travel insurance benefits
Did you know many TD credit cards offer travel insurance benefits? Learn about the coverage(s) you may already have with your existing TD credit card.
Explore our Term life insurance coverage options
No obligation Term Life quote
Term life insurance can be an affordable way to help protect your loved ones. Get a quote in 60 seconds, then apply online in as little as 10 minutes.13
Convertible coverage for Term Life
Convert your 10, 20 or 30-Year Term Insurance Life plan to Term 100 lifetime coverage. Available up to 6 months after you turn 69, no health questions or medical exam required.14
Term Life locked-in pricing
Your insurance premiums are fixed and guaranteed not to increase throughout the term of your insurance policy.15
Explore our Guaranteed Acceptance Life Insurance coverage options
Guaranteed approval
There are no health questions or medical exam required. All eligible applications are accepted.
Guaranteed premiums
Your premiums will never go up. When you reach age 100, you won't pay anything.
Lifelong coverage
There's no end date. As long as your policy stays active, you have coverage.
Explore our Critical Accident Recovery Plan insurance benefits
Benefit for specified broken bones
Receive $7,000 tax free each time you experience an eligible broken bone or fracture as a result of a covered accident.
Tax-free lump sum
Up to $100,000 in benefits can be paid directly to you in the event of a covered critical accident, depending on the severity of your injury or loss. You can use the benefit however you choose.
Hospital stays
Get up to $100 a day for up to 365 days, for a total of up to $36,500, while the insured is in a Canadian hospital for a covered accident.
Explore our business insurance benefits
Bundle and save for your business
Save 15% when you bundle your commercial property and liability insurance with your commercial auto policy.4
TD customer loyalty discount
Save 10% on business insurance when you’re an existing TD customer.4
Alumni and Professional savings
Save 5% on business insurance for eligible Alumni and Professional Groups.4
Connect with us
The TD Critical Accident Recovery Plan is a group insurance plan designed exclusively for customers of The Toronto-Dominion Bank. TD Term Life Insurance and TD Guaranteed Acceptance Life Insurance are individual life insurance plans. All plans are underwritten by TD Life Insurance Company and distributed by TD Assurance Agency Inc. See each plan's Insurance Certificate or Policy for complete terms and conditions, including eligibility requirements, benefits, features, limitations and exclusions.
TD Insurance Multi-Trip All-Inclusive Plan, TD Insurance Single-Trip Medical Plan, TD Insurance Multi-Trip Medical Plan and TD Insurance Trip Cancellation & Interruption Plan are individual insurance plans administered by Global Excel Management Inc. and its subsidiary, CanAm Insurance Services (2018) Ltd. TD Insurance Multi-Trip All-Inclusive Plan and TD Insurance Trip Cancellation & Interruption Plan are underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). TD Insurance Single-Trip Medical Plan and TD Insurance Multi-Trip Medical Plan are underwritten by TD Life Insurance Company. Coverages and benefits are subject to eligibility requirements, limitations, and exclusions, including pre-existing medical condition exclusions. Please refer to the policy for full details.
TD Insurance personal lines residential and automobile insurance policies are underwritten by TD General Insurance Company in Ontario and Primmum Insurance Company in the rest of Canada. They are distributed by TD Insurance Direct Agency Inc.
The TD Insurance Meloche Monnex home and auto insurance program for professionals and alumni is underwritten by Security National Insurance Company and distributed by Meloche Monnex Insurance and Financial Services Inc. in Québec, and TD Insurance Direct Agency Inc. in the rest of Canada.
The TD Insurance Meloche Monnex home and auto insurance program for members of employer groups is underwritten by Primmum Insurance Company. It is distributed by Meloche Monnex Insurance and Financial Services Inc., Damage Insurance Agency in Québec, and by TD Insurance Direct Agency Inc. in the rest of Canada.
TD Insurance business insurance policies are underwritten by Security National Insurance Company. They are distributed by Security National Insurance Company in Quebec, and TD Insurance Direct Agency Inc. in the rest of Canada.
1 As long as you own the home and remain insured with us.
2 As long as you own the car and remain insured with us.
3 Discounts are available to eligible applicants who apply for a new TD 10-Year, 20-Year or 30-Year Term Life Insurance policy. Offers cannot be combined with any other offer and is subject to change or may be withdrawn at any time.
4 Savings of up to 30% on your TD Insurance for Business Commercial Property and General Liability Insurance Policy can be obtained through a combination of the following three discounts:
Multi-Product Discount
You could save up to 15% on your Commercial Property and General Liability, and 5% on your Individually Rated Commercial Auto (“IRCA”) insurance policies when you insure a Commercial Property and General Liability policy and an IRCA policy with TD Insurance.
Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.
Offer may be changed, withdrawn, or extended at any time, without notice.
Alumni and Professional Group Discount
This "Offer" is for new and existing TD Insurance customers who are eligible to purchase a new business insurance policy and who are a sole proprietor, majority owner, majority partner, or signing officer of a corporation, partnership or business entity designated as a TD Insurance policyholder and are members of a group or an association that have a group marketing agreement with TD Insurance.
This Offer provides a discount of 5% applicable to premiums charged for TD Insurance business insurance policies and their endorsements. The discount will continue to be applicable upon policy renewal.
Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.
Offer may be changed, withdrawn, or extended at any time, without notice.
TD Customer Loyalty Discount
Eligibility
For the purposes of this Offer only, an "Eligible TD Customer" means a natural person who is a director, board member, signing officer, business owner, sole proprietor, or majority partner of a business entity and who:
- has a TD deposit account;
- has a TD Mortgage, a TD Home Equity FlexLine, or a TD loan or line of credit, secured or unsecured;
- has a TD credit card or other credit card issued by TD;
- has a TD investment product or account;
- has a TD automobile financing product;
- has a TD Insurance residential insurance or personal passenger automobile insurance policy;
- has a TD Insurance life insurance or accident and sickness insurance policy; or.
- has a TD Business Credit Life Insurance or TD Business Credit Living Benefit Insurance policy.
This Offer is for
A) Eligible TD Customers who purchase their first TD Insurance business insurance policy effective on or after April 21, 2024;
B) Eligible TD Customers who are existing TD Insurance business insurance customers before April 21, 2024, and who purchase a new TD Insurance business insurance policy effective on or after April 21, 2024; and
C) Eligible TD Customers who are existing TD Insurance business insurance customers currently benefitting from the TD Small Business Banking Discount before April 21, 2024.
Application
(A) Eligible TD Customers who purchase their first TD Insurance business insurance policy effective on or after April 21, 2024:
- This Offer provides a 10% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements. The 10% discount will continue to apply upon policy renewal, subject to continued eligibility.
(B) Eligible TD Customers who are existing TD Insurance business insurance customers before April 21, 2024 and who purchase a new TD Insurance business insurance policy effective on or after April 21, 2024:
- This Offer provides a 10% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements. The 10% discount will continue to apply upon policy renewal, subject to continued eligibility.
(C) Eligible TD Customers who are existing TD Insurance business insurance customers currently benefitting from the TD Small Business Banking Discount before April 21, 2024:
- The TD Small Business Banking Discount will be subsumed by the present Offer. This Offer will provide a 10% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements, in proportion to the outstanding premium for the policy term in question. The 10% discount will continue to apply upon policy renewal, subject to continued eligibility.
(D) Eligible TD Customers who are existing TD Insurance business insurance customers and not currently benefitting from the TD Small Business Banking Discount before April 21, 2024:
- As of April 21, 2024, these customers may contact a TD Insurance advisor to avail themselves of the present Offer. This Offer will provide a 10% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements, in proportion to the outstanding premium for the policy term in question. The 10% discount will continue to apply upon policy renewal, subject to continued eligibility.
This Offer is not applicable to TD Insurance's individually rated commercial automobile insurance policies and their endorsements.
Eligibility to purchase a business insurance policy is subject to TD Insurance underwriting rules and standards.
Offer may be changed, withdrawn, or extended at any time, without notice.
5 Automatically included, subject to eligibility.
6 When you have both home and car insurance with TD Insurance, not only can you save a bundle, but you’ll also get Legal and Home Assistance for no additional cost.
7 All referrals provided within a maximum of 72 hours
8 Nationally, the average annual savings of all of our clients who belong to a professional or alumni association that have an agreement with us and who insure both a residence and a car on April 25, 2025 (underwritten by Security National Insurance Company) was
- $1,870 when purchasing both homeowner and car insurance
- $1,350 when purchasing both condo and car insurance
- $1,300 when purchasing both tenant and car insurance
when compared to the premiums they would have paid without the preferred insurance rate for groups and the multi-product discount. Savings are not guaranteed and will vary based on the client's profile and province or territory of residence. Due to provincial legislation, car insurance is not available in British Columbia, Manitoba and Saskatchewan.
9 Based on ratings on the App Store as of January 8th, 2026. The TD Insurance app is free to download, however standard wireless carrier message and data rates may apply.
®Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
10 Based on user ratings on Google Play, as of January 8th, 2026. The TD Insurance app is free to download, however standard wireless carrier message and data rates may apply.
Android is a trademark of Google Inc.
Google Play is a trademark of Google LLC.
11 iPhone: The app will access your camera and the photos you select from your photo gallery for claims submission, if enabled. Google Play: The app will access your camera and your photo gallery, however, only the photos you select will be submitted for your claims submission.
12 Savings apply to premiums charged for base contract and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Overflow or Escape.
13 Individual circumstances may vary. If you need advice about your needs, call 1-888-788-0839 and speak to one of our TD Life Insurance licensed advisors.
14 This option is available up to 6 months after the Insured's 69th birthday, and premiums will be based on the Insured person’s attained age at the conversion date.
15 TD 10- or 20-Year Term Life Insurance plans automatically renew at the end of each of 10- or 20-year term until the age of 80. TD 30-Year Term Life Insurance plan automatically renews at the end of the initial 30-year term on a yearly basis until the age of 80. Premiums do not increase for the duration of the policy's term. The premium will increase when your term renews.