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Offers may be changed, withdrawn or extended at any time without notice.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

⁸Savings 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 5% discount applicable to premiums charged for the TD Insurance business insurance policy in question, and its endorsements. The 5% 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 5% 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.

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