Business ProfileforTD General Insurance Company

In January 2024, I received a call from a TD Insurance agent stating that my pre-authorized payment was declined. Once made aware of my mistake over the phone with the agent, I immediately paid the declined payment and the surcharge as I take full responsibility for the declined payment. TD then advised me that my new premium would increase from $2500 per year to $3900 per year. I was shocked as I believe TD did not make a reasonable effort to communicate with me until when I received a phone call in January. It was discovered that TD repeatedly sent letters to an incomplete address (missing apartment number - even thought a copy of my license clearly shows my appt number). I realize that the declined payment was my fault. I feel however TD Insurance could have called or e-mailed me advising me of the issue so that I could have pro-actively fixed it. While I believe it is my sole responsibility for the declined payment in which I immediately rectified the situation upon contact by phone, I do not believe it is my sole responsibility for TD not being able to reach me as: 1- Upon setting up the account, I can only assume the TD agent have a checklist and could have confirmed the address to ask if there was an apartment number. 2-TD had a copy of my driver’s license which clearly shows my apartment number. Why is fair that it is only my fault when you send me info by email to verify, but not a TD representative to verify all send information by the client? 3-After receiving notice of mail being return to TD, why did TD not call or email? Why only after cancellation? 4-If TD can call and collect payment after cancellation, why could they not call the same number to advise of the issue? 5-If TD can send a secure email on February 16th, 2024, why could they not email me to advise of the issue? **** ***** *** ****** ** * ***** **** ** ****** *** ********