Meloche Monnex (TD Insurance) Auto Insurance Reviews

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.

I was told that using my truck in any way makes my insurance null and void as that means that I need commercial insurance. So, when I had an accident and I was NOT AT work or doing any work at all then I was told that they found out I use my truck to move furniture for my business back and forth from my storage. When the accident happened they DID NOT PAY OUT ANYTHING and told the other person to SUE ME! Most terrible company ever! After they cancelled me they told me to get insurance elsewhere and then still continued to take money out of my account!!! What kind of scam is this... I paid collision insurance for years and they don't want to pay... Then they told me if I want to stop the 150 dollars coming out of my account then I have to send an email with my new insurance pink slips and then when I did they told me I had to cancel it by sending the pink slips as this disorganized group don't know how to open an email. Do not insure a truck with this company!

I've had my house and auto insurance with them for 25 years maybe more. In all that time I've had one auto claim some 11 years ago and no home claims. I was not at fault but my car was totalled. The claim was settled satisfactorily with speed and politeness. Nor did my rates go up beyond the usual creepage. A recent matter, not even involving a claim, has made me decide to leave this company. I had to purchase a car out of the province of my residence when my old one was beyond reasonable repair costs. First, they told me the maritime branch could still insure me but with a 60 % premium. I was willing to pay because it would only be for a few months. Then they came back and said they could not insure me and that I would have to be insured by their Ontario branch. That auto insurance was 85% more than I had been paying. Because they do not consider the Ontario and Maritme branches the same company and my home was insured with the Maritime branch my house insurance also went up 18%. I was not pleased but again considered it a temporary matter until I had my plates changed back in several months. I decided I would change insurance companies if they did not return me to close to the previous status quo to both house and auto. I asked them to send the policies to a temporary mailing address for me to review. But they got the address wrong. So I had to phone them to correct that and make sure future mailings went to my home address. Tried a couple of times but I could not wait more than 15 minutes to get a person. Then one day I got to a person within minutes... By not listening, just like the individual who did not get the address right, she turned what should have been a simple matter into something very complicated. She kept cutting me off and would not let me speak my mind. She had the gall to threaten to hang up if I did not calm down when she was the one escalating matters. I should have said, "You know what? It doesn't matter. I'll be changing insurance companies in the next few months," and then hung up. They'll be losing a good client. Never any problems with payment and only one claim in 25 years. She was the straw in a series of events. I do not want to be insured by a company that employs someone like her. She's a bully with psychological issues; the need to be right and a lack of genuine empathy. (I have a Ph.D. in psychology and worked in a psychiatric facility). They also lost my father a few years back. He never made any claims. But they were making mistakes with billing and he got tired of calling them up after they kept making the same mistakes over and over again.

First of all...stay far away from this company! We had a small accident a few weeks ago that caused minor surface damage to the rear of our vehicle. We got our own repair estimate for $2500. We took it to their guys so that we could file our claim. We waited over THREE WEEKS for them to get back to us after numerous follow-ups, only to find out work hadn't even started on our vehicle. The repair shop blamed the insurance company for not sending paperwork, and TD Meloche blamed the repair shop for being backed-up with work. We, finally, escalated it to a manager. Got a call back the next day to tell us that the vehicle was considered a write-off. We're still waiting to find out our settlement offer, apparently, there is no one we can speak to on it, and we just have to keep waiting for some indefinite time. We bought our vehicle just three years ago for $11K. And they're writing it off for approx. $3k of damage? Why even have insurance if they can just choose to write it off for whatever they want and not repair it when you file a claim. This has been a complete nightmare I wouldn't wish to anyone. Oh...and we had no rental vehicle coverage on our policy, so all this time have been down a vehicle which I understand was our choice not to take it. But you also don't expect an insurance company to take three weeks just to START processing your claim. I tried to ask for a rental vehicle at this point but of course, the answer was no.

1. When I replied to the email that I got the Insurance confirmation from asking to change something, I never got any reply! The confirmation was only a table including the basic information only in their own terminology and did not have any clarification of anything in detail on top of that it had wrong information about the lessee! 2. When I later called and asked to send me a copy of the terms and conditions or the contract that I am signing in order to commit financially, I was told that the system doesn’t do that and that I have to accept everything we talked about verbally and I should not see what is excluded in the contract and on top of that if I cancel, mid-term or even when the mail comes to see the contract, I will be paying one month cancellation fee and the agents didn’t care about anything and he said he’ll be happy helping me cancel right now before the policy starts. I have asked for a manager and the manager just simply repeated what he said and then told me this is the rule here, it’s only a verbal quotation, this is how things work in this company! This is neither ethical nor professional. I am very disappointed with a big company like this behaving in such a bad scammy way!!

I never have claim, and did not move, however, they increase the premium every year. They recommended an app called myAdvantage said if I use it, then get some discount. I used it for a couple of days, then get an email said they did not receive the data. two days later, I was removed from the program, with a premium modification of $18/month. I called them, they said, I did not activate the app, and can not register any more. The fact is, I used the app, and upload the data. Their email confirmed that they can not receive my data!

My monthly insurance was $247 i was into 8th day of the month. I found a better insurance price which is $146 with exact same coverage somewhere else. So i decided to cancel, it was 8th day into the month and yet they still charged me $247 + another $13 just to put gravy on it.
Another thing i always have 2 cars insured. So i sold one of my cars waited for a month bought another. Called for insurance it went up by $15 dollar. I asked y they said cuz the car is newer even though it doesn't matter cuz its a third party coverage anyhow i let it go. Month latter didn't like the car so sold it and bought another one. Called again this time it went up by $4 asked y they said cuz its an older car. Anyhow to top it all off. Td isn't the greatest they don't care what kinda of economy situation we are in. They just want their pocket full.