Meloche Monnex (TD Insurance) Auto Insurance Reviews

A 4-cylinder car being intentionally rated as a 6-cylinder car. Letters with ownership sent to their office were never responded. Agents were either playing dumb or giving me run-around for the past 9 years. Request for refund of overcharged premium was also ignored. I urge all existing clients to compare quotes with other insurance companies. You will find a better deal somewhere else!

My car was involved in a not at fault accident on a Saturday around mid October so I called TD on the Monday to report it.........No one got back to me till Thursday (no biggie) but, this adjuster was simply terrible. After he initiated first contact, that was it. I was the one that had to chase him around and call and leave messages like 4 times a day to get any sort of update. He wouldn't call me and tell me what was going on. My car ended up being a total loss and was written off and scheduled for their salvage company to come pic it up. Again I had to call to find this out. It was actually the salvage company that contacted me to tell me they were coming to get my car (I was like huh???), no word from my adjuster. Then he goes on holiday but leaves to forwarding number. so for 2 weeks I was getting transferred around and getting "you have to talk to your adjuster" at the end of it all. I was able to get a rental around Halloween time however.Then I call in again to settle everything and by chance I talk to an adjuster who was nothing short of spectacular. What I have been trying to get done with my useless adjuster for a couple of weeks she was able to complete in a few minutes. My checks where issued out (I got 2, towing and car write off). I had to return the rental however on November 9th. Now enters a new phase of the war. All of this was settle with the wonderful random adjuster on November 5th, now my useless adjuster comes back from holiday. I could go on and on but long story short. Today is November 23 and even tho my write off check was issued on the 5th (18 days prior) I still have not received it and I get a different story every time. Most frequently they tell me that its still in the mail........I got the towing check on the 9th. How can two cheques issued the same day be so far delayed. In total since all this started I have been without a car for about a month. On top of it all the customer service was horrendous, I lack the capability to literate into words how bad this experience has been ......And here I thought this is the exactly reason we pay insurance. To be insured when these situations arise......Thank you TD. I don't care how much more expensive my next insurer is, as long as they are in no way connected to TD I will be happy

I was with TD auto insurance more than 4 years, never made claim, never had payment issues . and my renewal they added 90$ without any explanation, I switched to Co operators, and found cheaper than even what my original premium. Also heard from other friends that they are increasing the premiums of all their customers.
I am sure they are losing many customers.

I'm going to give you the facts...with TD I paid $550/month and that was with minimal coverage, being a relatively new driver (4 years). PC financial quoted $334/month and Belair quoted $210/month. TD upped my premium due to an at fault accident, however when calling Belair, they informed me that the accident was not on my record, apparently the other car never completed filing the claim. TD obviously has this information but has only increased my premium. In addition, the Manager from TD I spoke with was very rude and refused to cancel my policy even when I agreed to pay the cancellation fee. I am going to call again tomorrow because every rep or manager has something different to say. We shall see.

We are with TD Meloche Monnex for last 4 years. We never had a claim, never got a ticket, luckily never had an accident. We also had house insurance with them from last year. As per our last conversation our insurance rate suppose to decrease for this year. But We are surprised to see that out rate increase 10/mo for next one yr. When I called they dont have any logical explanation. Even the ladies on the phone are telling that this is the minimum amount and there are no logical explanation why its gone up. I called 3 times and every lady on the other end has no explanation other than repeating this is the minimum amount. This is how they are treating their loyal customer!!

I canceled the insurance, I want to know how do they calculated the penalty fee, because they charge a lot, but she said this is internal, she can't tell me how they calculated. They trick customer.

I can't imagine a worst customer service in my life. Claiming there is just a disastress experience. The last claim I made, I decided to pay the repair of my car from my own pocket and not waiting for their lack of sympathy to the customers like me after at least fifteen years of regular fidelity. Stay away !!

We have had TC Meloche Monex for years. They have always been there to take care of what ever needs we have had in the past..and there has been some big ones. I have no ill will towards the agents that helped us in our time of need. However, we have issue with the flip side of the coin. The Billing Department and automatic withdrawals.

We got a registered letter in the mail out of the blue from TD demanding the balance of our insurance premium be paid within 2 weeks. Confused, I called them immediately. I was told that my premium had not been paid for the month and had returned NFS (non sufficient funds) *a side note..all of our banking, house, cars, insurance is through TD.* I went online to check my account to see where the discrepancy was. Apparently, I had the NFS and was completely unaware of it..you see..they usually take out the payment the same day as my house note ..and Home Owners insurance....but this time they did not...they waited past the weekend and Monday was a holiday a total of 5 day past the normal withdrawal day. My fault I should have looked..but I was comfortable with the fact they had taken all the payments out the same day all of the time. However, no worries...the day of the withdrawal attempt I had deposited over $500 into the account...that should have covered it ...the following day I deposited another $1200 into the account. So somewhere between the holiday and 24 hours after..I had deposited over $1700 into the account, but the withdrawal seemed to have missed all of this.

I told the customer service this and said that I had the deposit transaction number for that day and the following day. I asked them why the withdrawal had not come out on the day that it had always come out? They said it was a holiday. I then asked what day was the holiday? They said Easter Monday. I said, but you should have withdrew on the Thursday prior before Good Friday, along with the other withdrawals? No answer. I understand that it is my fault for assuming the bill had been paid and I bought a ton of groceries for a big dinner which caused the NFS..but I bought groceries under the assumption all of the payments had been made, and knowing I was going to deposit $1700 the next banking day. So I asked how did we get to the point where I must pay the entire premium or get terminated?....I was told I had an NFS a year ago! If I remember correctly that NFS was also under similar circumstances, where they attempted withdrawal three days before the normal date because of a long weekend. So because I have had two NFS in 14 years, I am being threatened with termination if I don't come up with nearly $700 of dollars in 2 weeks.

I intend to pay them the money they ask for as I feel that is money owed agreed upon because of the contractual agreement. I keep my word. But TD will realize that when I pay the premium, I owe them nothing for the remainder of the contract. I will terminate the contract at that point, along with my home owners insurance as well. I will then seek a new bank to take over my home and auto loans as well.

I realize that my investments within TD is minute in the scheme of things. However because of this policy they have coupled with their haphazard withdrawal procedures, it makes for a disaster waiting to happen...and they win every time. So I will be saying goodbye to TD because of this, and taking the interest they could have earned from our home, cars and loans far into the future with me. It is unfortunate, because I liked TD, but if they can't treat their long term clients with respect and understanding, then it's time to part ways.

After 10 years with TD Meloche Monnex I decided to get other quotes. I was very surprised that I could save $800 per year on auto because I thought I was getting a good rate from them due to my post secondary affiliation discount. I canceled my insurance with them and was told they owed me about $500 and would get it in a week and I also owed them a small amount for my home ins. They kept their promise of taking the money owed but not the money they owe me. Instead of 1 week I have to wait 4 weeks. I called and of course they say there is nothing they can do. Funny how insurance companies and banks are extremely efficient at taking $$ but not at giving it back.