LEGAL DISCLAIMER
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. As of May 26, 2023, 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, save an average of:
35%, in Ontario
15%, in Quebec
20%, in Alberta, Yukon, Nunavut and North West Territories
30%, 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 and product. Savings are not guaranteed and vary based on the customer's profile, province/region and product.
2. 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Offers may be changed, withdrawn or extended at any time without notice.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% Auto Insurance Savings (Ontario only)
10% savings off eligible coverage in the first policy term is derived from a combination of two separate discounts:
- a 5% Digital Discount for completing the auto insurance quote online. This Digital Discount will continue to be applicable upon policy renewal.
And
- 5% Buy Online Discount in the first policy term for completing the auto insurance purchase online. Both the Digital Discount and Buy Online Discount are 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)
10% savings off eligible coverage in the first policy term is derived from a combination of two separate discounts:
- a 5% Digital Discount for completing the home, condo or tenant insurance quote online. This Digital Discount will continue to be applicable upon policy renewal.
And
- 5% Buy Online Discount in the first policy term for completing the home, condo or tenant insurance purchase online. Both the Digital Discount and Buy Online Discount are 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; 10% Savings on Car Insurance (Quebec only)
Home Insurance: A Buy Online Discount of 5% in the first policy term will be applied to premiums charged for the base insurance policy and the following endorsements: Above Ground Water, Extended Water Damage and Fuel Oil Overflow or Escape
Car Insurance:
10% savings off eligible coverage in the first policy term is derived from a combination of two separate discounts:
- A 5% Digital Discount for completing the car insurance quote online. This Digital Discount will continue to be applicable upon policy renewal.
And
- 5% Buy Online Discount in the first policy term for completing the car insurance purchase online. Both the Digital Discount and Buy Online Discount are 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.
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 May 26 2023 (underwritten by Security National Insurance Company ) was
- $1370 when purchasing both homeowner and car insurance
- $900 when purchasing both condo and car insurance
- $850 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 May 26, 2023, 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% in Ontario
25% in Quebec
25% in British Columbia, Alberta, 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.
‡‡ Nationally, the 1,697 new TD Insurance customers who were surveyed between March 6th, 2023 to March 16th, 2023 and July 18th, 2023 to August 1st, 2023, 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 $475.36 The survey sample consisted of new customers who switched their residential policies to TD Insurance between August 2022 to August 2023. 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.
‡ Nationally, the 1,004 new TD Insurance customers who were surveyed between March 6th, 2023 to March 16th, 2023 and July 18th, 2023 to August 1st, 2023, 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 August 2022 to August 2023. It was conducted with a 95% confidence interval and produced a 2% 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.
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.
