For safe drivers, your good driving record can help you save on your insurance. Every year you maintain a claim-free record, you earn a 10% decrease on select deductibles. Your reductions apply year over year, which means your deductible could vanish at some point. 

Benefit: Enollemtn is automatic and free of charge. If you are driving safely on the roads, based on your eligibility, your original deductible will decrease each year at renewal. Events like glass repairs that cost $200 or less, not-at-fault collisions, or hit-and-runs won't be considered a claim.  

You can access TD's telematic car insurance feature when you download the TD MyAdvantage app to your phone. This app collects and analyzes driving data and assigns you a score on the road. Based on this score, you could save up to 25% on your premium. TD MyAdvantage also provides you with driving tips and feedback on your driving.  

Benefit: The TD MyAdvantage app has a trial version that you can use for 30 days. It offers the same features as the fully activated version; however, you must register and activate the app with an active TD Insurance policy to benefit from the discount. The trial period will give you a general idea of your driving score and the potential savings it could earn you. 

If you have never had an at-fault or a partially-at-fault accident in the last six years, TD Accident Forgiveness coverage will make sure that your premium will not be affected based on your first at-fault accident. Any of your friends or relatives driving your car are also covered. However, it's important to remember that when you lend your vehicle, you also lend your auto insurance, which means you will lose this discount if they get into an at-fault accident with your car. 

Benefit: When you renew your car insurance policy, or even if you decide to get a new car, this coverage will still apply, granted you haven't had any additional at-fault accidents.  

TD's Grand Touring Advantage provides coverage while travelling in Canada and the US. If you're involved in an accident, or your car is vandalized or stolen, TD covers you for a replacement vehicle. Any other friend or relative insured under your policy is also covered for damages anywhere in Canada and the US.  

Benefit: You are covered for short and long-distance trips. It also extends to rental cars. Your eligibility will not be affected if you decide to change your vehicle. 

If you are the driver of an IBC-recognized hybrid or electric vehicle, TD's Green Wheel Discount will provide you with a discount on the cost of your total premium. Since choosing a hybrid or electric car translates to using less fuel, this is TD's way of rewarding policyholders for going green and thinking about the environment.  

Benefit: This discount is automatically applied to new policies, vehicle additions or substitutions. For existing policies, the discount is applied upon renewal.  

TD Insurance's online service lets you manage and review your car and home insurance policies anytime, check on the status of a claim, and guide you through common claim situations.  

TD MyInsurance is a secure service requiring your policy number in your insurance documents or on your automobile insurance pink card to register. If you are waiting for your 'pink card' to arrive, you can download a temporary proof of insurance and print it. You can easily make updates and changes, such as address changes and payment plans.