The content on this page is for general information purposes only and does not constitute legal advice. Coverages described herein may be subject to additional eligibility criteria, limitations and exclusions. In the event you make a claim, potential indemnification is also subject to the receivability of the claim and the type of coverage you bought.

In the case of conflict between the content on this page and your policy wordings, your policy wordings shall prevail. Please speak to an Advisor or consult your policy wordings for further details.

¹ Nationally, as of April 25, 2025, our customers (with insurance policies underwritten by either Security National Insurance Company, Primmum Insurance Company, TD General Insurance Company and TD Home And Auto Insurance Company) who insure their car with us and who meet the claims-free savings criteria applicable to their province or region with regard to the number of years spent claims-free, saved an average of 30%, expressed regionally as:

30% in Ontario
15% in Quebec
25% in Alberta, Nunavut, Northwest Territories and Yukon
35% in the Atlantic Provinces

when compared to the premium they would have paid if, within the previous 12 months, they made a claim that would have negatively affected their premium. These claims vary by province. Savings are not guaranteed and vary based on the customer's profile, province/region and product.

² 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Offers may be changed, withdrawn or extended at any time without notice.

• 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.

• 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% 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 (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.

³ 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 or 25% when purchasing both homeowner and car insurance
- $1,350 or 30% when purchasing both condo and car insurance
- $1,300 or 25% 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.

⁴ Nationally, as of April 25, 2025, new customers (with insurance policies underwritten by either Security National Insurance Company, Primmum Insurance Company, TD General Insurance Company and TD Home And Auto Insurance Company) who insured their homeowner policy with us and who met the claims-free savings criteria applicable to their province or region with regard to the number of years spent claims-free, saved an average of 25%, expressed regionally as:

30% in Ontario
25% in Quebec
25% in Alberta, British Columbia, Yukon, Nunavut, and Northwest Territories
20% in Saskatchewan and Manitoba
20% in the Atlantic Provinces

when compared to the premium they would have paid if, within the previous 12 months, they made a claim that would have negatively affected their premium. These claims vary by province. Savings are not guaranteed and vary based on the customer's profile and province/region.

^‡‡ Nationally, the 389 new TD Insurance customers who were surveyed between March 5, 2025 to March 17, 2025 and June 18, 2025 to June 30, 2025, and who reported annual premium savings upon switching their residential (home or condominium or tenant) insurance policy to TD Insurance reported an average annual premium savings of approximately $584.15. The survey sample consisted of new customers who switched their residential policies to TD Insurance between June 26, 2024 to June 13, 2025. It was conducted with a 95% confidence interval and produced a 3% margin of error. Savings amounts are not guaranteed; actual annual premium savings obtained nationally from switching residential insurance policies to TD Insurance varies based on each customer's individual insurance profile and province of residence. Certain conditions, limitations and exclusions apply to all offers. Please visit https://www.tdinsurance.com/save for more details.

^‡ Nationally, the 216 new TD Insurance customers who were surveyed March 5, 2025 to March 17, 2025 and June 18, 2025 to June 30, 2025, who reported their annual residential (home or condominium or tenant) insurance premiums paid to their previous insurance provider and who reported their annual residential insurance premiums payable to TD Insurance upon switching their residential insurance policy, reported an average annual premium savings of approximately 28%. The survey sample consisted of new customers who switched their residential insurance policies to TD Insurance between June 26, 2024 to June 13, 2025. It was conducted with a 95% confidence interval and produced a 4% margin of error. Savings amounts are not guaranteed; actual annual premium savings obtained nationally from switching residential insurance policies to TD Insurance varies based on each customer's individual insurance profile and province of residence. Certain conditions, limitations and exclusions apply to all offers. Please visit https://www.tdinsurance.com/save for more details.

⁵ Discounts are only available to eligible applicants who complete and submit their application for a new TD 10-Year or 20-Year Term Life Insurance policy using the online application.

⁶ Discounts are available to eligible applicants who apply for a new TD 10-Year or 20-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.

⁷Nationally, the average savings of all of our clients who belong to a professional or alumni association that have an agreement with us and who insure a home (excluding rentals and condos) as of April 25, 2025 (underwritten by Security National Insurance Company) was $340 when compared to the premiums they would have paid without the preferred insurance rate for groups. Savings are not guaranteed and will vary based on the client's profile and province or territory of residence.

Mailing address:
TD Insurance (Corporate Secretariat)
50, Place Crémazie
12th Floor
Montreal (Quebec) H2P 1B6