You are now leaving our website and entering a third-party website over which we have no control.
MyInsurance
PrintElectronic Financial Services Terms and Conditions
IMPORTANT: Please read this agreement before accessing the MyInsurance Services.
The MyInsurance Electronic Financial Services Terms ("Terms") apply in addition to the terms of Your TD Insurance policies, any other terms you have consented to for your Account and/or a given policy. It does not replace them.
These Terms are effective May 10th, 2022 and replace the previous versions of the Terms. It is important that You read and accept the Terms.
If You have any questions about our Services, any of Your policies or these Terms, please contact us at (1-866-361-2311) or refer to our web page at www.tdinsurance.com.
Definitions
- In this agreement between you and TD Bank Group (hereinafter referred to as the "Agreement"), the following terms will have the following meanings:
"Agreement" – The provisions contained in these Terms as well as any additional terms contained in the insurance policy. Also included are the terms governing any other service we may provide to You and to which You have consented including but not limited to the TD Insurance Mobile App.
"Account" - The Account Holder record within which all of the Account Holder's insurance policies and account information are found.
"Account Holder" - A secondary account holder is another person who is authorized to transact in matters related to the insurance policies associated with the Account – including, but not limited to, a spouse or common-law partner to the account holder.
"Secondary Account Holder" - The person who is authorized to transact in matters related to the insurance policies associated with the Account. The Account holder can be but is not necessarily one of the insureds named in the insurance policies in the Account.
"Credentials" - means Your username, password as well as the combination of numbers and/or letters or other identifying criteria that You will be required to create to access and use the Services.
“Electronic Signature” – means any electronic information unique to You, which You create or adopt to show Your acceptance. Examples of an Electronic Signature include an electronic representation of Your handwritten signature or clicking on the “Confirm changes” button, combined with relevant data such as Credentials.
"Services" – means the features available through the MyInsurance secure online portal described in section 5.
"Documents"- means the documents enumerated in section 10 as well as the paper version of those same documents.
"You", "Your" and "Yours" – refer to the Account Holder;
"TD Bank Group" – means The Toronto-Dominion Bank and its affiliates which provide deposit, investment, loan, securities, trust, insurance and other products and services.
"TD Insurance' "TDI" or "Us" or "We" – refers collectively to the following insurance companies: Security National Insurance Company, Primmum Insurance Company, TD General Insurance Company and TD Home and Auto Insurance Company and the following brokers and Agency: Meloche Monnex Financial Services Inc., Meloche Monnex Insurance and Financial Services Inc. and TD Insurance Direct Agency Inc. all subsidiaries of The Toronto Dominion Bank and members of TD Bank Group.
- This Agreement applies to the Services and is binding on us, our successors and assigns. We may assign the Services, Your Account, and this Agreement to any person without Your consent. It is also binding on You, Your successors, permitted assigns and attorneys, and on Your heirs and personal representatives - including Your executors and administrators.
- The singular shall be construed as meaning the plural and vice versa where the context so requires.
- Your Account and the Services are separate and distinct from any other account or service You may have registered for with TD Bank Group. You acknowledge, agree and consent that this Agreement is in addition to any existing TD Bank Group agreements which You may have agreed to and will apply in addition to those agreements.
- MyInsurance allows You to:
- Access Your Account to view Your home and/or auto insurance policies associated with Your Account.
- Make various changes electronically and in real time to Your current home and/or auto insurance policy subject to eligibility criteria ("Real time Transaction") OR request certain changes electronically by submitting the required form to be reviewed by a TDI advisor ("Form Transactions") (collectively hereinafter referred to as "Transactions").
- If You consented to Electronic Delivery of documents (Paperless Consent), You will have access to Your Documents electronically.
- Download a digital version of Your proof of insurance ("Pink Card") to Your mobile wallet subject to sections 24 to 26 below.
- View Your Account Billing details.
- View the status of Property damage claims.
- Manage Your payment plans (both Pre-authorized Debit and Credit Card) including settling any outstanding balance in full.
- View the status of certain claims.
- Submit a residential claim.
- Manage digital account security preferences.
- We may restrict your ability to access the Services including any or all of its options without notice if:
- You do not meet the eligibility criteria.
- Required by law.
- At any time, we have grounds to believe that there is suspicious, illegal, or possible fraudulent or unauthorized Account activity.
- Your Account is operated in a manner that is unsatisfactory to TDI, including by a third party whom we suspect is engaged in financial abuse.
- You breach the terms of any agreement applicable to Your Account.
- We otherwise have any grounds to restrict Your ability to transact in Your Account.
- here are no service charges or fees for using the Services including any of its options. The payments related to the policy premium or any payment plan selected will be governed by the billing terms of the policy as agreed to by You. Please refer to Your account billing for complete details.
- If You provided Paperless Consent , the Paperless Consent applies to the electronic delivery to You of Documents through MyInsurance for each policy for which Paperless Consent was provided and any renewal, amendment and replacement of said policy.
- Your Paperless Consent takes effect on the day that you agreed to it. You may receive additional Documents by paper delivery as set out in Section 10.
You can revoke this Paperless Consent at any time, as set out in Section 12. - The Documents covered by the Paperless Consent are:
- Policy documents and renewals packages that we are required by statute to send to you,
- Amendments and other notices that we are required by statute to send to you relating to Your policy,
- Correspondence related to Your policy and Your Account,
- Summaries, confirmations and statements related to Your policy or Your Account,
- Any other document related to Your policy whether or not required by statute,
- Claims related Documents and updates and
- changes and other information about this Paperless Consent.
We may send Documents by paper delivery: It is important to know that we may deliver paper Documents to you by mail even though you have provided Paperless Consent. We may do so for any reason, including if we are required by statute, if we have reason to believe you may not have received the electronic Document or if we otherwise choose to do so. Any Document we send by paper delivery will be sent to the last mailing address for you that we have in our records. You agree to notify us of any change to your mailing address
- Documents are accessible for 7 years after they are posted on MyInsurance, unless , the Account is closed, or your access to MyInsurance is cancelled or terminated.
- Revocation: You may revoke Your Paperless Consent for any policy. Revocation does not affect any obligations you owe to us.
How to revoke: Notify us through MyInsurance or by contacting our customer service center by telephone at 1-866-361-2311.
If you revoke: If you revoke Your Paperless Consent for any policy, we'll send you Documents for that policy by paper delivery to the mailing address that we have in Your Account. You may receive additional Documents electronically while we process your revocation. We will confirm your revocation and may do so electronically. - You will be notified by email sent to the email included in your Account when new Documents are added to MyInsurance.
You must access MyInsurance to review Your Documents on a regular basis. You must contact us immediately if your access to MyInsurance has been restricted or denied and you cannot access or view your Documents. A Document is deemed to be delivered to you on the day you are notified by email that the Document is posted in MyInsurance and not on the day that you review the Document.
You confirm that You have the required hardware and software to access MyInsurance and You acknowledge that those requirements may change from time to time. We do not own or operate any hardware or software You use and we are not responsible for it.
You are responsible for ensuring that You can print, store and save Documents delivered to You electronically. - We may change the Paperless Consent from time to time. We will notify You that we are making changes to the Paperless Consent by any method permitted by law, including by posting a notice on our website or by electronic or paper delivery of the notice.
- We are not responsible for any loss you may incur in connection with the electronic delivery of Documents or in connection with any email notification You requested that we send to You.
- Depending on Your Province or Territory and the product involved, You will either be able to perform self service Real-Time Transactions OR Form Transactions.
- When Form Transactions are available (Real-Time Transactions are not available):
- There will be messaging confirming that it is a Form Transaction.
- Changes to policies requested by Form Transactions must be reviewed and approved by a TDI Advisor prior to becoming effective.
- If approved, the details and impacts of the changes requested along with the effective date will be confirmed to You by secure messaging to Your email address on record ("Secure Messaging") along with a request that You confirm the Form Transaction requested.
- If not approved, You will be informed of the decision by Secure Messaging.
- We will make every effort to review the Form Transaction requested within 48 hours, except in the event of delays resulting from statutory holidays or when we are experiencing exceptional volumes due to factors outside our control.
- No Form Transaction will be effective unless it is confirmed as provided above.
- The details of the changes requested will only be displayed in the Policy view tab of the Services as of the effective date of the requested changes.
- Your updated Documents will be mailed to You by paper delivery at the mailing address we have in Your Account within 3 to 7 days from the effective date of Your Transaction.
- When Real Time Transactions are available:
- Upon accessing the Services, You can select the desired available action and complete the required fields.
- You will be provided an opportunity to review a summary of the information pertaining to the Real Time Transaction requested prior to confirming the change.
- Once confirmed, the change will be applied at the effective date selected by You.
- Any amount owing because of the change requested must be paid in accordance to the payment plan You selected.
- If amounts are owed to You because of the change, those amounts will be credited to Your account or credit card depending on Your selected payment method.
- A confirmation that the Real Time Transaction was successfully processed will be provided to You immediately after You confirm it.
- Your updated Documents will be mailed to You by paper delivery at the mailing address we have in Your Account within 3 to 7 days from the date of Your Transaction and/or, the Documents will be available within the an hour, in electronic version, in the document tab accessible through the Services.
- The details of the changes requested will only be displayed in the Policy view tab of the Services as of the effective date of the requested changes.
- All Real Time Transactions will also be confirmed by Secure Messaging. This confirmation email will be conclusive proof of the use of Your Credentials and of Your Real Time Transaction request.
- Transactions You agree to electronically, including using an Electronic Signature, are binding and have the same legal effect as if they were done over the phone with a TDI advisor. You will not dispute any agreement, or other terms, with us on the basis that it was delivered, received or entered into electronically, including using an Electronic Signature.
- You are responsible to advise us of any changes to the email address You provided when You registered for the Services.
- You agree that You will advise us promptly if You have not received Your confirmation and updated Documents within 10 days from the date of the Transaction.
- You must promptly review Your Documents to check and verify Your policy coverage, any change requested, the premium and any fees. If You believe there are any errors, omissions, or unauthorized changes, You must inform us by contacting a TDI advisor without delay at: 1-866-361-2311.
- Electronic Documents are equivalent to paper Documents: Electronic Documents will be admissible in any legal, administrative or other proceedings, and will be conclusive evidence of the information they contain the same as if they were original paper Documents. You waive any right to object to the introduction of any such electronic Documents into evidence.
- You are required to produce Your Pink Card in certain circumstances. It is Your responsibility to ensure that You can produce it.
- Our ability to provide You with an electronic version of Your Pink Card ("Digital Pink Card") is subject to Regulatory requirements. You understand, acknowledge and agree that, if You choose to share or download a Digital Pink Card to Your mobile wallet in Your mobile device:
- The Pink Card contains Personal information (Name, address, policy number etc.. ).
- The format of and information contained in the Pink Card is prescribed by Insurance Regulators.
- It will be accessible for viewing in the mobile wallet even while the mobile device is locked in order to ensure that anyone who needs to view the Digital Pink Card can do so without being able to access other applications or information stored on the mobile device.
- If You choose to provide a Digital Pink Card to the police or other lawful authority, You may be required to provide Your device to a police officer or other authorized person, who may take temporary custody of Your mobile device for the purposes of verifying the insurance coverage (in the same way that they would treat a paper version of the Pink Card). Your mobile device could be damaged during the course of inspection and You may be responsible for all damage.
- Digital Pink Cards may not be approved in all jurisdictions.
- Factors such as lack of or diminished cellular service, power interruptions, or law enforcement procedures may prevent effective use of a Digital Pink Card.
- It is Your responsibility to provide a proof of insurance and You may consider carrying a paper version of it in the event You are not able to produce a Digital Pink Card.
- When registering for the Services, You will be asked to select Credentials of Your choice. System-generated Credentials may also be provided by us to You if You contact the TDI customer help line at 1-877-585-9427 or in the event You forget Your Credentials. These Credentials are generated in a secure environment and will be emailed to You at the address You provided when You registered for the Services. When You next access the Services, You will be prompted to change the system generated Credentials.
- You can choose Your existing Easyweb or WebBroker credentials to login to MyInsurance. Changes to Your Easyweb or WebBroker Credentials, Two step verification or any other supported authentication self-service change will be reflected everywhere these Credentials are used.
- Your Credentials are used to identify You and will allow You to access the Services.
- If You access MyInsurance from Your Mobile device through the TD Insurance Mobile App and You enabled biometrics data on Your mobile device to login and access MyInsurance, you are also subject to the Biometrics Terms of use and the TD Insurance Mobile Application terms and conditions.
- You authorize Us to accept, and You agree to be responsible for, any verbal or electronic instructions given by You within or while using the Services to the same extent as if You had given verbal, signed or written instructions to Us.
- You will use the Services in accordance with the Terms as they may be changed from time to time or as We may otherwise communicate to You from time to time.
- You will not use the Services for illegal, fraudulent or defamatory purposes or take any steps which could undermine the security or integrity of any Services, or cause harm to or threaten to harm any other user of the Services. For our mutual protection, we may record all telephone calls that relate to the use of or include instructions for using the Services.
- You are responsible for the care and control of Your Credentials. You must keep Your Credentials confidential and take every reasonable precaution to maintain them safely.
This includes:
- Never keeping a written record of Your Credentials. Avoiding combinations that may be easily determined by others such as Your name, birthday, phone number, address, Social Insurance Number.
- Not disclosing Your Credentials voluntarily to anyone else at any time, including to a family member, friend, financial institution employee or law enforcement agency.
- Taking all reasonable precautions to ensure that no one finds out Your Credentials while typing them in.
- If You suspect that someone may know Your Credentials, You must immediately notify us by calling the customer help line at 1-877-585-9427.
- You are responsible for all Transactions requested in Your Account through the Services resulting from the use of Your Credentials by You or any person to whom You have made Your Credentials available where You have not been the victim of force, intimidation or fraud.
- You are responsible if:
- You fail to notify Us as soon as You become aware that Your Credentials may have become known to someone else, may have been used by someone other than yourself or Your Credentials have been used fraudulently; or
- You make an entry error through the Services.
In those cases, You will be liable for losses relating to Your insurance policy.
- We will not hold You liable for Transactions completed through the Services where it can be shown that You have been a victim of fraud or have been coerced by force or intimidation provided You report the incident to us promptly and cooperate fully in any subsequent investigation.
- We are liable for:
- Unauthorized Transactions after You have notified us that Your Credentials have been used fraudulently or that security has been breached.
- Transactions completed after Your Credentials have been cancelled.
- Fraudulent or negligent conduct by our employees or agents, companies involved in networking arrangements or their employees or agents.
- Losses relating to Your insurance policy resulting from any failure, error, malfunction or technical problem of our system or equipment.
- You acknowledge that all policies will be issued and all transactions will be processed in accordance with applicable laws and regulations, and with any self-regulatory codes adopted by us, such as the IBC Code.
- We will not be responsible or liable to You or to others for any damages, direct, indirect, consequential or special, including without limitation all losses, costs, expenses or inconvenience You may incur or arising from or out of Your inability to access the Services as provided in this Agreement as a result of any failure, error or malfunction, even if the failure, error or malfunction was a result of our negligence or the negligence of our employees, agents or representatives. We will not be responsible for any loss, damage or personal injury suffered by any person by reason of any act or omission in the course of or in connection with the operation of the Services including any loss or damage to Your mobile device resulting from or occurring as a result of providing Your phone for the purposes of verifying Your Digital Pink Card.
- Unless otherwise provided in this Agreement or agreed to by Us, You may cancel the Services by contacting the TDI customer help line at 1-877-585-9427. In all cases, You still must fulfill all Your obligations under this Agreement.
- We may cancel Your Credentials, terminate this Agreement, or suspend or refuse to provide Services without notice to You. In all cases, You still must fulfill all of Your obligations under this Agreement and Your policy. You are not relieved of Your obligations until all amounts owed to us, including interest, service charges and costs, have been paid in full. Notwithstanding the foregoing, Your insurance policy continues to be in full force and effect until the end of the policy term or until it is cancelled.
- We may change the provisions of this Agreement for use of the Services from time to time. We will notify You of any changes by either sending You notice (written or electronic) or posting a notice on the Customer Service Center in MyInsurance. If You use the Services after we send or post a notice, You accept the changes as of the effective date set out in the notice.
- At TD Insurance we're committed to providing the best possible customer experience. Your confidence and trust are extremely important to us. If you have a problem or concern, you can contact us in the way most convenient for you. To do so, follow the complaint-handling process on our website at: https://www.tdinsurance.com/customer-service/problem-resolution.
Privacy
As set out in our Privacy Agreement, which was included with your insurance policy package, you agree that we may share your personal information with our world-wide affiliates and insurers.
We may also use your information to: identify you; provide you with ongoing service; market products and services; protect us both from fraud and error; comply with legal and regulatory requirements. We may also obtain information about you from credit reporting agencies, when and where permitted by law, to verify your identity, and to perform a risk analysis. In addition, the information from credit reporting agencies may be used for underwriting purposes to determine your eligibility and your premium for home and auto insurance as well as your eligibility to a payment plan.
We may communicate with you for any of these purposes by telephone, text messaging or other electronic means at the numbers you have provided us, or by internet, mail, email, and other methods.