I was forced to leave TD because I called them 3 times in 5 years, and even as a now "high risk" client, my home insurance barely went up elsewhere (will be lower after I am enough years claim free) and my car insurance went down big time. This was with the APEGA discount too, which I used to think was awesome, but it turns out that only applies if you are a 21 year old not wanting to get bent over for car insurance.
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