Skip to main content
Get a quote
File a Claim

Defend yourself from insurance fraud

Unfortunate but true, insurance fraud is on the rise. Over 40% of Canadians have been the victim of fraud1. Bad actors invent new ways to scheme you out of your money, from identity theft to phone scams, auto body shop schemes to false brokers.

On the positive side, protecting yourself and avoiding fraud is easier than you might think. A little knowledge and preparation go a long way, and we have both right here. Save time, money and stress with the tips we've prepared for you.

Featured articles

Protect yourself from insurance fraud

  • Buy insurance only from trusted and verified sources

    Be sure the broker or insurer you're buying from is legitimate and verified. Learn to avoid false insurance brokers​ and ensure you've found an insurance partner you can trust. TD Insurance does not use brokers.

  • Be careful about sharing your personal information

    Once your information is sent electronically, it is out of your control. Share personal and financial information only when you absolutely must and be careful to send it using a secure method.

  • Keep up to date on current scams

    Scammers are always changing and refining their methods. Keeping up can mean keeping safe. Check the Canadian Anti-Fraud Centre, where you'll find an up-to-date scam index.

  • Spot the signs of an insurance scam

    Prevent financial and emotional stress by learning to spot the common warning signs of an insurance scam before it's too late.

Common insurance scams in Canada

  • False brokers

    Posing as legitimate insurance providers, they may charge a fee for finding cheaper coverage. They prey on people looking for affordable insurance and newcomers to Canada. Only buy insurance from a licensed broker or a direct insurer, such as TD Insurance. Learn more in our article on False Brokers.

  • Too-good-to-be-true offers

    Scammers promise free or low-cost coverage, unexpected refunds or inexpensive repairs for a small fee or personal information. One example is body shop fraud, when auto shops take advantage of your need for a quick repair to bill for unnecessary work. Find out more in our article on body shop fraud.

  • Phishing attempts

    These are emails or texts that look real, trying to trick you into sharing info they could use for fraud against you. They create urgency by threatening cancellation or offering a time-sensitive refund. If unsure, contact your broker or insurer directly, and always be careful with sharing private information online.

Additional fraud resources

  • Canadian Anti-Fraud Centre (CAFC)

    The premier resource for preventing fraud in Canada, offering updates on current scams and info on how to protect yourself.

    Visit now

  • Équité Association

    Since 2021, Équité Association has protected Canadians from insurance fraud and crime using analytics and investigations.

    Visit now

Connect with us

  • Speak to an advisor

    Let one of our licensed advisors help you explore your insurance options.

    Contact us

  • Report suspicious activity

    If you're a TD Insurance customer and you believe you've been a victim of insurance fraud, report suspicious activity as soon as possible. We're here to help you.