Meloche Monnex (TD Insurance) Auto Insurance Reviews

I've had my car insured with TD Insurance Meloche Monnex for 3 years and I'm just renewing for the 4th year. My premiums have been increasing by almost 10% per year. After the 2nd year they convinced me to download the TD My Advantage App on my cellphone which tracks my driving qualities and gives a score which can result in a discount of up to 25% on my premium. At the end of the 3rd year I had a score of 92 and a projected discount of 24%. When my policy renewal arrived in the mail, my premium increased by 8%. I called them and argued with the agent as well as his supervisor about where is my 24% discount. They said that the discount was already applied. They're saying that my premium increased by 42% and with the 24% discount I end up with an 8% increase.
This is all baloney. None of these calculations are provided on paper. If they were serious, all this would be shown on the policy renewal. It's a fraud.

I’ll be 45 in less than a month; I got my licence when I was 17; I’ve never been in an accident, and have a spotless record; not even a traffic ticket in almost 30 years of driving. For most of my life, I was part of a family bundle, got a good discount on my rate, and was very happy paying about $90 a month. Well, all of THAT changed when everyone but my sister (who doesn’t drive and obviously who wasn’t part of the family bundle) decided to move out of the province. And how!!
It just so happened that I was in the process of purchasing a used vehicle at the same time my family was preparing to move. So, instead of being able to shop around, I decided that the best and quickest way for me to obtain the vehicle was to just purchase a new policy (which I was going to have to do anyway) with the same insurance company.
So, after 57 minutes and 33 seconds (as per the time my phone shows how long it took), and a whole rigamarole of questions, as well as a few glowing remarks about how impeccable my driving record was (while continually trying to sell me on a stupid app. which actually tracks your driving, speed, etc.,), out pops the number of more than $3,800 per year!! I was actually stunned and flabbergasted by the number! How is it possible that I go from paying merely $90 a month on some family plan/bundle to paying almost 4 times that amount?!?! It’s sickening!
But what could I do? I wanted the vehicle as soon as possible (because it was a very nice vehicle!), and the dealership, I’m sure, wanted it off its lot as soon as possible, to make room for more inventory. So, I just had to pull the trigger at that point, and after almost an hour on the phone. So, instead of being excited to actually get my new ride, I was furious and shocked over the price of insurance, which had somehow ruined the great experience of owning an extremely nice new (used) vehicle!!
However, even though I’m going to have to pay this month’s fee, you better
BUH-LIIIEEEVE I’ll be switching insurance companies as soon as I’ve shown proof of insurance and secured the vehicle! Like, $3,800 a year with a spotless record for almost 30 years is highway robbery! And yes, that pun was intended!
So far I’ve been quoted $1,900 per year and $249.33 per month with other companies. I also realize that these are just quotes and that there are a lot more moving pieces involved with getting a more accurate rate, but I’m certain that I’ll be able to find a rate much better than $3,000 per year somewhere else. Therefore, my recommendation is to stay away from this insurance company unless you too want to be the fuel of rage!

I have been with them since 2000. No tickets no in-fault claims. My insurance went up 40-50%. Now they started instalment charges of 1.3% for car & 3% for house.
I called for changing policy from an existing car to a new car. Waited for 15 minutes to have someone on the phone. I was on the phone on Friday afternoon for more than 2 hours(2:14:14). The agent had no clue of what was she doing, changed my premium $ 3 times & each time came up with a higher amount & said she made a mistake. I tried to stay calm. Finally, I said do you know what are you doing? At this point, she said, " I will get a manager for you.".
I am looking for another insurance company.

They are quick to raise rates with no claims but impossible to get a hold of on the phone. Waiting in queue for an hour now.

After two decades with TD MM and without any tickets or claims, they raised my auto insurance by $1,000. They believed that there had been a mistake, explained that they would re-underwrite the policy and call me back within a week. Having not heard from them I called them twice without resolution (each time you call is approximately one hour of wait time on the phone. I re-priced the policy and found equivalent coverage for $1,000 less (the price of my previous policy with TD MM) and called to cancel my policy (as well as my homeowner's policy). TD MM wanted to charge a fee of $12 to cancel my $85 to cancel my homeowner's policy. So after 20 years of insurance coverage with TD MM, an unexplained increase of $1,000 to my auto policy, unfulfilled promises to return a call with an explanation, over four hours of waiting on the phone, they believe it appropriate to charge nearly $100 in fees to terminate uncompetitive policies. Surely, there are better alternatives to TD MM.

They increase premiums every year unreasonably. This year they have added an installment fee of $48 if you don't pay the annual fee at once. They don't give you any credit even if you are an essential worker, who has to go to work. Only the people at home get the advantage of keeping the car parked.
In fact, this year traffic on roads is less. But they have increased the premium by 20% without any claim, ticket or an accident from my end.

I have been trying for months to get in touch with someone, they never pick up the phone. My insurance webpage is also another failure. There is not a simple way to communicate with them. One of my insurance will expire next week and I haven’t received my renewal package yet. My home insurance and other car insurance got a premium increase - no claims done what so ever!

Every time I called their customer service line I had to wait over two hours and twice in the middle of speaking with an agent I got disconnected. They have a very poor customer service and to top it off they are much more expensive than competitors. I was their customer for over 20 years and every year I noticed they increased my premiums without any accident claims. Once I called to add a new casual second driver (my daughter) to under my insurance they said my insurance would go up by $1400. That’s when I decided to shop around. I’m glad that I did cause my insurance actually went down with the competitors. Don’t waste your time or money with them.

I have been a long time TD insurance customer and these guys have relished in my laziness to compare...They have been pillaging my funds for years. I finally got sick of poor service and increased fees, year and year. I have pulled everything from them and saved over $1,600 a year. I have been a claims-free client as well... Take the time and shop, stay away from TD!! Insult to injury they were giving me a discount...

They have been fooling me to use the app and now they're saying they don't see the data so can't apply the discount, I wish I didn't renew it. I would have got better rates. No tickets/no accidents, 22% of the app gone.