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Annual interest rates, fees and features are current as of August 16, 2015 unless otherwise indicated and subject to change.
1 Applies to new TD First Class Travel Visa Infinite Accounts (Account) only. The Welcome Bonus of 20,000 TD Points (Bonus) will be awarded to the Account only after the first Purchase is charged to the Account. Limit of one (1) Bonus offer per Account. We reserve the right to limit the number of Accounts opened by any one person. Other conditions apply. Offer may be changed, extended or withdrawn at any time without notice and cannot be combined with any other offer.
2 TD Points are earned for purchases charged to the Card. Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the TD Points earned by the amount originally charged to the Card. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Points.
3 Primary Cardholder remains liable for all charges to the Account, including those made by any Authorized User.
4 Benefits, features and coverages are subject to conditions, exclusions, limitations, changes and cancellation. Details of insurance benefits, including terms, conditions, limitations and exclusions are outlined in the Certificate of Insurance included with your TD Credit Cardholder Agreement. Some benefits and coverages are only offered to the Primary Cardholder.
5 Subject to carrier/space availability.
6 IMPORTANT NOTICE:
If your statement address is in Quebec, please see updated changes to the value of TD Points for Book Any Way Travel purchases. Click here for more information.TD Points must be redeemed in minimum 200-point increments for travel purchases charged to your Card that are booked online or by phone through Expedia For TD. For travel purchases charged to your Card that are not booked through Expedia For TD, TD Points must be redeemed in minimum increments of 200 or 250 TD Points as fully explained in the TD Travel Rewards Program Terms and Conditions ("Travel Terms") contained in the TD Travel Credit Cardholder Agreement for your Card. The Travel Terms are available on tdcanadatrust.com/agreements. We can decrease the required minimum TD Point redemption increment at any time. To redeem TD Points for travel purchases charged to your Card that are not booked through Expedia For TD, Cardholder must contact the TD Travel Rewards Program or visit www.tdrewards.com after the travel purchase has been posted to the Account and within 90 days from the transaction date of the travel purchase. The required TD Points will be redeemed from the TD Points balance available at the time the TD Points are redeemed for the travel purchase, not the transaction date of the travel purchase. The amount that will be credited toward the travel purchase will be equal to the value of the TD Points redeemed. If there are insufficient TD Points available to cover the entire amount of the travel purchase, the Account will only be credited by the value of the TD Points redeemed. Any amount of the travel purchase not covered by the TD Points redeemed will remain on the Account for payment. Expedia For TD is operated by Expedia, Inc. at www.tdrewards.com and 1-877-222-6492. The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.
7 TD Points do not expire as long as you are a Cardholder.
8 Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Travel Medical Insurance that is available to all TD customers. The day of departure from and the day of return to your province or territory of residence each count as one full day. 21-day coverage if you’re under 65 and 4-day coverage if you’re 65 or older.
9 Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, your trip must be paid for in full using your TD Credit Card and/or TD Points. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.
10 Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.
11 Underwritten by TD Home and Auto Insurance Company. This is not an insurance benefit but assistance services only.
12 Provided by Priority Pass. Some conditions apply. All discounts on Priority Pass Memberships or other rates and offers received by Priority Pass members through their TD Canada Trust Credit Cards may be changed, extended or withdrawn at any time without notice and cannot be combined with any other offer. The Toronto-Dominion Bank and its affiliates are not responsible for any Priority Pass products or services.
13 Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated TD Points, cannot exceed 48 consecutive days and the rental agency's Collision Damage Waiver coverage must be declined by the Cardholder. Refer to Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.
14 Provided by Avis Rent-A-Car System LLC. Program terms are subject to change without notice. Certain blackout dates may apply. Offer subject to other terms and conditions.
15 Provided by Budget Rent-A-Car System, Inc. Program terms are subject to change without notice. Certain blackout dates may apply. Offer subject to other terms and conditions.
16 TD Auto Club is provided by AXA Assistance Canada Inc. The Toronto-Dominion Bank and its affiliates accept no responsibility or liability in respect of these services.
17 Provided by Aimia Proprietary Loyalty Canada Inc.
18 Visit your TD Canada Trust branch to receive a Personal Identification Number (PIN) to access your TD Credit Card Account through Green Machine ATM or other ATMs. TD U.S. Dollar Visa Cardholders may request a PIN by mail. Subject to available credit. Fees apply to each cash advance transaction.
19 Underwritten by Allianz Global Risks US Insurance Company (Canadian Branch). Details of insurance benefits, including terms, conditions, limitations and exclusions are outlined in the Certificate of Insurance included with your TD Credit Cardholder Agreement.
20 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or associated TD Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.
21 Life, Accidental Death at 66 and Critical Illness coverages are underwritten by American Bankers Life Assurance Company of Florida and Involuntary Unemployment, Total Disability, Disability Requiring Hospitalization and Loss of Self-Employment Income coverages are underwritten by American Bankers Insurance Company of Florida. Dismemberment coverage is underwritten by TD Life Insurance Company. The Toronto-Dominion Bank receives a fee from each insurer with respect to premium collection. Complete terms of coverage are in the Certificate of Insurance you will receive upon enrollment. Eligibility requirements, limitations and exclusions apply, and vary by benefit.
22 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Card Cardholder Agreement.
23 The Visa Checkout service is made available through Visa. The Toronto-Dominion Bank and its affiliates are not responsible for the service including any offers made available to you through the service.
24 Subject to available credit. Balance Transfers are treated as Cash Advances and accrue interest at the Cash Advance rate that applies to your Account from the date the Balance Transfer is made.
TD Insurance sells the following car insurance policies:
- Third-party liability: Covers you when you are responsible for either injuring someone or damaging their property in an accident.
- Accident benefits: Provides compensation for medical/rehabilitation costs, if you are injured in an accident.
- Collision/upset: Covers any damage to your car caused by another car or an object such as a tree.
- Comprehensive: Protects you from any damage done to your car that is not covered by collision or upset insurance (fire, theft, etc.).
- Specified perils: This coverage specifies risks that you are protected against, such as a fire that spreads to your car.
- All perils: This is a combination of comprehensive and collision/upset coverage. In some provinces, it also includes protection against flooding.
Optional TD Car Insurance Policies
In addition to the coverage listed above, you may also purchase the following additional car insurance policies from TD Bank:
- Accident forgiveness: With this option, your rates won’t go up if you’re at fault for an accident.
- Replacement cost advantage: Covers the full replacement cost of a new car, if yours is stolen or severely damaged in an accident.
- Grand touring advantage: Insures you for lengthy road trips in North America.
TD Car Insurance Eligibility and Restrictions
To be eligible for car insurance with TD, you must meet the following three (3) criteria:
- You must have a valid driver’s license
- You must live and have a car registered in one of the provinces and territories where TD coverage is available*
- Your vehicle is only for personal use
Factors That May Result in a Denial of Coverage
TD Bank car insurance reserves the right to restrict coverage in the following situations:
- If you omit a key fact when applying for insurance
- If you have unrepaired damage to your car
- If you make certain modifications to the car
- If you lease or rent your car to others
- If you use your car for racing or in competition
- If you don’t inform TD of a change to a factor relevant to your policy
- If you have any past convictions related to an accident
- If you miss a payment of your premiums (this could result in immediate cancellation of your policy)
TD Car Insurance Discounts Available
TD offers the following discounts on its car insurance policies:
- Discount if you have two or more cars insured through TD
- Occasional driver's premium reduced, applicable if a listed driver attends school far away from home
- Retiree discount: Available to residents of Ontario aged 65 and up
- Multi-product discount: If you have both car and home insurance through TD
- Accident-free discount: If you’ve gone a certain amount of time without a collision
- Anti-theft system discount: If you have an anti-theft device installed in your car
- Anti-theft engraving discount: If your car has approved etching that would deter would-be thieves
- Graduated licensing discount: If you’ve recently progressed from one driver’s licensing level to the next
- Hybrid or electric vehicle discount: If your car is recognized by the Insurance Bureau of Canada as a low-emission vehicle
- No-conviction discount: If you haven’t had any convictions in a specified period of time
- First chance discount: Available to new drivers in New Brunswick, Nova Scotia and PEI who maintain a clean driving record.
TD Insurance also offers group rate discounts to members of some professional and alumni groups.
More About TD Car Insurance
TD Bank serves 11 million customers at over 1,150 branches across Canada. With 4,000 employees and offices in Alberta, Ontario, Quebec, and Atlantic Canada, TD Insurance is the largest direct-response insurance group in Canada. Enter your location and car information into our widget and find out if TD Bank can offer you one of the best car insurance rates in Canada.
Auto Insurance in Newfoundland
In Newfoundland and Labrador, auto insurance is available from a wide array of private companies who compete with one another to allow consumers to shop around for a better rate. Newfoundland insurance rates fall among the lower rates in Canada, with the average driver paying $729 per year.
Auto insurance reform in the province in 2004 helped to bring rates down for drivers by mandating a $2500 deductible on pain and suffering payments, along with other changes.
Newfoundland Car Insurance Laws
As in all provinces, Newfoundland and Labrador drivers must carry a legally determined minimum insurance coverage in order to be on the road. These minimum limits ensure that all drivers are financially responsible in the event of an at-fault accident. The current limits for auto insurance in Newfoundland are:
- $200,000 in liability coverage per accident
- Uninsured and unidentified motorist coverage
Newfoundland does not require drivers to carry Accident Benefits coverage, but most drivers choose to purchase this coverage, which includes medical payments, disability coverage, and death benefits coverage. Many Newfoundland drivers also choose to increase their liability coverage to limit financial exposure and risk.
Other optional coverage can also be purchased, including comprehensive and collision coverage to protect your vehicle in an at-fault accident or a non-accident scenario such as theft.
Auto Insurance Rating in Newfoundland
Newfoundland’s private insurance companies determine the rate for each driver based on a combination of factors. Among the top factors that go into determining your rate are your driving record including tickets or at-fault accidents, the value of the car you drive as well as the make and model, and your driving habits including the length of your daily commute.
The 2004 auto insurance reform prevents auto insurance companies from denying coverage or increasing rates solely on the basis of any of these factors:
- Age and gender
- Age of the vehicle
- Accidents in which you were not at fault
- Lapses in insurance except when tied to a license suspension for a violation of traffic laws
- Previously being refused insurance by another company
- Being insured with Facility Association
Accident Fault and Claims in Newfoundland
In Newfoundland, the adjusters for the insurance companies involved in the claim will determine who is at fault. Each insurance company uses its own guidelines to come up with a fault determination.
Newfoundland is unusual in Canada in that it has no type of no-fault benefits. The insurance company for the at-fault driver is responsible for paying out on damages to the other driver’s vehicle as well as for injuries. Accident benefits are not a mandatory coverage in Newfoundland, but are available to drivers who choose to add them to their insurance policy.
The handling of claims is governed by insurance regulations; the 2004 reforms helped to reduce the cost of lawsuits, but drivers can still be sued for pain and suffering.
Laws Affecting Drivers in Newfoundland
Newfoundland drivers must follow all of the rules of the road while behind the wheel, including the law requiring mandatory auto insurance. Drivers must prepare to present proof of insurance to law enforcement when pulled over or involved in an accident.
Drivers are required to stop when involved in an accident. A police report must be made if there are injuries or if the damage appears to be in excess of $1000.
Tickets in Newfoundland can affect your auto insurance rates. While insurance companies can each determine what tickets they will charge for and how much the rate increase will be, as a general rule major violations will be more costly than minor ones.
Shopping for Car Insurance in Newfoundland
Online quoting services can help Newfoundland drivers to get multiple quotes from the more than 50 companies offering coverage in the province. Quotes and policies can also be obtained through brokers and agents, or by contacting the insurance company directly.
Insurance companies can determine their own rates for each driver, although they must do so in accordance with the insurance legislation put in place by the government to protect drivers.
*Contest Rules here