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Insurance savings for students and recent graduates.

Whether you need car, tenant or home insurance for the first time, or are looking for a better deal – we’ve got the protection you need with the savings you want.

Maximize your savings potential

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Understanding car and tenant insurance

 

With more independence comes more responsibility. Whether you’re buying your first car or renting your first apartment, these exciting milestones go hand-in-hand with insurance. It’s important to make sure you have the right coverage for your unique needs, so you could get financial protection in case of the unexpected, like if your car or belongings are stolen or damaged. Insurance could also help provide financial protection if you're held liable for accidental property damage or bodily injury to others, in certain situations. 

  • Car Insurance

    Depending on your province, mandatory car insurance coverage can include the following. Optional coverages can be purchased  as required.

    • Liability Coverage 
      If you accidentally injure someone or damage property and are held responsible, payments are made on your behalf.
    • Uninsured Car Coverage 
      Medical costs and damage are covered if an uninsured driver is at fault.
    • Accident Benefits Coverage 
      Regardless of who’s at fault, TD Insurance will pay for covered medical and other expenses as outlined in your policy.
    Learn more

  • Tenant Insurance

    At TD Insurance, our standard policy offers extensive tenant insurance coverage, with the following standard inclusions: 
    • All Risks
      With All Risks coverage you are protected against all causes of loss or damage with the exception of some exclusions such as illegal activity, wear and tear, and more. 
    • Contents Coverage
      Your personal belongings are insured up to the amount you choose, while some high-value items can have limits, like bicycles and jewellery. You can get increased limits with either Enhanced Home Coverage or Personal Valuables Coverage. 
    • Additional Living Expenses
      If you can’t live at home while repairs are being made because of a claim, we’ll cover your temporary living expenses subject to your policy limits. 
    • Personal Liability
      You’re financially protected in case you’re held responsible for accidentally injuring someone  or  damaging someone’s property, inside or outside your home.
    Learn more

Insurance for International Students

 

Many of Canada’s post-secondary programs are attended by international students. So, we want to share some important insurance tips to help international students have a smooth transition.

  1. If you’re renting a shared accommodation, air BnB or an apartment, it is highly advisable to get tenant insurance as it's unlikely your parents' home insurance policy from abroad will cover you in Canada. You can read more about the benefits of tenant insurance for International students. 

  2. If you own a car or plan on buying one, it’s mandatory to have it insured in Canada. You can read more about  car insurance for international drivers. 

  3. If your parents own the home you’re living in, or you are temporarily living with a relative, the responsibility lies with the property owner to have a Homeowners or Condo policy with enough coverage in place to cover the structure, furnishings and any potential legal liabilities arising from ownership of the property. Find out from the property owner if you can be covered as an additional insured under their home policy and accordingly decide the additional coverage you need. 

Ways to save

 

Discover all the different ways you can save on insurance with the discounts below.

Why choose us as your insurance company?

  • Committed to Savings

    With the TD Insurance Savings Commitment, we will help you find ways to save on your home and auto insurance.

  • Coverage That Fits

    Personalized coverage assessments for home and auto so you can feel confident your coverage fits your needs.

  • Here for You When It Matters Most

    Conveniently speak to an advisor, get your car repaired, and pick up a rental vehicle at a TD Insurance Auto Centre.

‡ Conditions apply. Subject to eligibility rules.

The ability to purchase insurance online is currently not available in all provinces.

In order to be eligible for the Buy Online Discount for home or car insurance, you must meet eligibility requirements to buy home or car insurance online and complete your purchase of this insurance online. Note: You may not always be given the option to buy online. This may occur, for example, if information provided requires additional verification or if your purchase must be completed with an advisor based on your specific insurance needs. If you are unable to buy online, we encourage you to call and speak to one of our licensed advisors or let us call you!

Offers may be changed, withdrawn or extended at any time without notice.

• 10% Home Insurance Savings (not available in Quebec)
A 10% Buy Online Discount in the first policy term will be available to customers for completing the home, condo or tenant Insurance purchase online. The Buy Online Discount is applicable to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Overflow or Escape.

• 5% Auto Insurance Savings (Ontario)
A 5% Digital Discount is applied for completing the auto insurance purchase online. The Digital Discount will continue to be applicable upon policy renewal.
The Digital Discount is applicable to premiums charged for each of the following coverages: Bodily Injury, Property Damage, Accident Benefits, Uninsured Automobile, Direct Compensation - Property Damage, All Perils, Collision, Comprehensive, Specified Perils, and OPCF 44.

• 5% Savings on Home Insurance (Quebec)
A Buy Online Discount of 5% in the first policy term will be available to customers for completing the Home, Condo or Tenant insurance purchase online. The Buy Online Discount is applicable to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Oil Overflow or Escape

• 10% Savings on Car Insurance (Quebec)
A Buy Online Discount of 10% in the first policy term will be available to customers for completing the car insurance purchase online. The Buy Online Discount is applicable to premiums charged for each of the following coverages: Civil Liability, Damage to Insured Vehicles (All Perils, Collision or Upset, Comprehensive and Specified Perils).

• 5% Auto Insurance Savings (Alberta)
A 5% Buy Online Discount in the first policy term will be available to customers for completing the car insurance purchase online. The Buy Online Discount is applicable to premiums charged for each of the following coverages: Bodily Injury, Property Damage, Accident Benefits, Direct Compensation – Property Damage, All Perils, Collision, Comprehensive, Specified Perils, and S.E.F. No. 44

• 5% Auto Insurance Savings (Nova Scotia & Newfoundland)
A 5% Buy Online Discount in the first policy term will be available to customers for completing the car insurance purchase online. The Buy Online Discount is applicable to premiums charged for each of the following coverages: Bodily Injury, Property Damage, Uninsured Automobile, Direct Compensation – Property Damage, All Perils, Collision, Comprehensive, Specified Perils and Uninsured Motorist.

• 5% Auto Insurance Savings (PEI)
5% Buy Online Discount in the first policy term for completing the auto insurance purchase online. The Buy Online Discount is applicable to premiums charged for each of the following coverages: Bodily Injury, Property Damage, Accident Benefits, Uninsured Automobile, Direct Compensation – Property Damage, All Perils, Collision, Comprehensive, Specified Perils and Underinsured Motorist.

• 5% Auto Insurance Savings  (Nunavut, Northwest Territories, Yukon)
5% Buy online discount in the first policy term will be available to customers for completing the car insurance purchase online. The Buy Online Discount is applicable to premiums charged for each of the following coverages: Third Party Liability, Accident Benefits, All Perils, Collision, Comprehensive, Specified Perils, and S.E.F. No. 44.

1 The TD MyAdvantage program is a usage-based insurance savings program for Ontario and Quebec-based drivers only. We reserve the right to remove or modify the program and/or discount at our sole discretion.

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