¹ Nationally, the 348 new TD Insurance customers who were surveyed between March 4th, 2024 to March 18th, 2024 and July 5th, 2024 to July 17th, 2024, and who reported annual premium savings upon switching both their residential (home or condominium or tenant) and car insurance policies to TD Insurance, and who had a pre-existing relationship with TD* prior to switching those insurance policies to TD Insurance, reported an average annual premium savings of approximately $991.27. The survey sample consisted of new customers who switched both their residential and car insurance policies to TD Insurance between August 1st, 2023 to June 25th, 2024. It was conducted with a 95% confidence interval and produced a 7% margin of error. These survey results do not include customers in British Columbia, Manitoba or Saskatchewan. Savings amounts are not guaranteed; actual annual premium savings obtained nationally from switching both residential and car 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.

*A pre-existing relationship with TD denotes the new TD Insurance customer having identified themselves as an existing TD customer during the survey conducted between March 4^th, 2024 to March 18^th, 2024. This pre-existing relationship existed at the moment they switched both their residential and car insurance policies to TD Insurance.

² TD Customer Home Insurance Discount 

TD Insurance refers collectively to the following insurance companies:

• Security National Insurance Company;
• Primmum Insurance Company;
• TD General Insurance Company;
• TD Home and Auto Insurance Company; and
• TD Life Insurance Company

TD Insurance home and condominium insurance policies are distributed by TD Insurance Direct Agency Inc. and Meloche Monnex Insurance and Financial Services Inc. in the province of Quebec, and by TD Insurance Direct Agency Inc. in the rest of Canada.

Eligibility

For the purposes of this "Offer" only, an "Eligible TD Customer" includes a natural person who: 

• has a TD personal deposit account;
• has a TD Mortgage, a TD Home Equity FlexLine, or a TD personal loan or line of credit, secured or unsecured;
• has a TD personal credit card or other personal credit card issued by TD; 
• has a TD personal investment product or account; 
• has a TD automobile financing product; or
• has life insurance or accident and sickness insurance policy underwritten by TD Life Insurance Company.

This Offer is for

A)      Eligible TD Customers who are new TD Insurance customers and who purchase a new home or condominium policy effective on or after January 1, 2024;

B)       Eligible TD Customers who are existing TD Insurance home or condominium insurance customers who purchase a new home or condominium policy effective on or after January 1, 2024; and

C)      Eligible TD Customers who are existing TD Insurance home or condominium insurance customers with a home or condominium policy effective before January 1, 2024.

Both new and existing TD Insurance tenant insurance customers are excluded from this Offer. 

Application

(A)    New TD Insurance Home or Condominium Insurance Customers Who Purchase a New Home or Condominium Policy Effective On or After January 1, 2024: 

• Eligible TD Customers who have a TD Mortgage or a TD Home Equity FlexLine will receive a 5% discount applicable to their annual home or condominium insurance policy premium and this discount shall continue to apply, at each subsequent annual renewal, for as long as the home or condominium policy remains in effect.
• All other Eligible TD Customers will receive a 5% discount applicable to the premium for their annual home or condominium insurance policy's first term. At the first annual renewal, the value of the discount will decrease to 3% and shall remain as such for all subsequent annual renewals, for as long as the home or condominium policy remains in effect.

(B)     Existing TD Insurance Home or Condominium Insurance Customers Who Purchase a New Home or Condominium Policy Effective On or After January 1, 2024

• Eligible TD Customers who have a TD Mortgage or a TD Home Equity FlexLine will receive a 5% discount applicable to their annual home or condominium insurance policy premium and this discount shall continue to apply, at each subsequent annual renewal, for as long as the home or condominium policy remains in effect.
• All other Eligible TD Customers will receive a 5% discount applicable to the premium for their annual home or condominium insurance policy's first term. At the first annual renewal, the value of the discount will decrease to 3% and shall remain as such for all subsequent annual renewals, for as long as the home or condominium policy remains in effect.

(C)     Existing TD Insurance Home or Condominium Insurance Customers With a Home Or Condominium Policy Effective Before January 1, 2024

• Eligible TD Customers who have a TD Mortgage or a TD Home Equity FlexLine will receive a 5% discount applicable to their annual home or condominium insurance policy premium and this discount shall continue to apply, at each subsequent annual renewal, for as long as the home or condominium policy remains in effect. 
• All other Eligible TD Customers will receive a 3% discount applicable to their annual home or condominium insurance policy premium and this discount shall continue to apply, at each subsequent annual renewal, for as long as the home or condominium policy remains in effect.

Insurance policies for vacant buildings, vacant condominiums and mobile homes are not eligible for this Offer.

The 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. 

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

³ Discounts when you get a quote and buy online

In order to be eligible for the Buy Online Discount for home insurance, you must meet eligibility requirements to buy home 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!

• 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.

⁴ 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.

⁵ Claims Free Reward

Nationally, as of April 26, 2024, 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
25% in British Columbia, Saskatchewan, Manitoba, Yukon, Nunavut, Northwest Territories
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.