PC Insurance attracts customers with straightforward initial interactions and affordable quotes, but many report frustrating phone systems, dropped calls, and hours on hold for basic service. After switching to Aviva as underwriter, experiences deteriorated: customers describe sudden premium hikes, poor communication on policy changes, data entry mistakes that take months to resolve, and inflexible underwriting rules applied without explanation.
Staff professionalism is inconsistent. Some agents are described as patient and thorough; others are said to be impatient, dismissive, or even dismissive of legitimate policy errors. The company's cancellation process for non-payment appears to lack flexibility even in cases of communication failures or outdated payment cards. Claims are widely reported as slow and adversarial.
Recent shift: Significant decline in sentiment after switch to Aviva as underwriter roughly 6-12 months ago. Customers report sudden premium increases, communication lapses, and loss of broker relationship. Multiple recent one-star reviews cite this transition as turning point. Earlier (4-5 month) reviews show similar dissatisfaction, suggesting shift impact persists.
One recent reviewer flagged unsolicited contact without clear identification. An older review praised professionalism. Evidence is thin; rating is 3.0 across 2 reviews, well below the category average of 4.14.
TD Insurance charges premiums well above market rates and often fails to answer phones; wait times exceed 90 minutes. Long-term customers report overcharging on renewals, unexplained rate hikes, refusals to accept payment corrections, and claims adjusters who disappear when accidents happen. One reviewer found premiums more than double competitors for similar coverage. Billing confusion (annual vs. monthly charges, hidden renewal page charges, erroneous extra payments) goes unresolved for hours or longer. In accident claims, the company demands customers chase down contractors and assumes HST charges without prior notice. Cancellation penalties not itemized in renewal papers appear on bills. Reviewers describe inflexible policy enforcement that abandons long-standing customers over honest payment oversights. A single five-star review praised one agent, Suh K, as exceptionally knowledgeable. That exception is far outweighed by 86% one and two-star ratings reflecting systemic billing errors, unresponsive staff, surprise fees, and a pattern of non-communication when customers need help most.
Review evidence is limited. Their website lists auto, home, renters, and condo insurance quotes plus an insurance calculator and guides.
Last updated 2026-07-24
