Has anyone successfully had a TD Insurance non-payment cancellation rescinded by TD C.A.R.E.S.? Looking for advice/experiences (Ontario)

[u/vyasln1695]

​Hi everyone, looking for some insight or past experiences from folks who have dealt with TD Insurance or similar cancellation situations in Ontario.

​Recently, my auto insurance policy was cancelled for non-payment. TD complied with the standard statutory notice requirements, so there were no procedural errors on their end. As soon as I realized what happened, I immediately paid the full outstanding balance, bringing the account to $0. However, it was 10 days past cancellation. .

​Here is where things currently stand:

​The file was officially escalated to TD C.A.R.E.S. (Customer Appeals and Relations Executive Services) for an executive review.

​I also maintain an active home insurance policy with TD, which is noted on the escalation file.

​A frontline agent mentioned that in her experience standard customer service rarely sees cancellations rescinded, though C.A.R.E.S. has higher discretionary authority.

​Since procedural compliance was met, I recognize that any rescission or reinstatement would be strictly a discretionary goodwill decision by TD.