Meloche Monnex (TD Insurance) Auto Insurance Reviews

We had the misfortune to have our car struck by an elderly driver who drove through a red light. Our car was deemed too damaged to be repaired, and was written off. We were forced to accept a settlement for 2/3 the demonstrated replacement value of the car. Now, two months later, we are still struggling to compell TD to stop pulling money from our account for insurance for the damaged car we no longer own. TD bought the wreck from us... it's their car now. TD's agents say there is nothing they can do to stop the withdrawals. The struggle continues.

They took twice a month my money and I am calling for the second week every day and no one answered. Avoid them

I tried to rate this zero stars rather than one star. But one star appears to be the lowest possibility. Our car lease expired in July 2018. We called TD Meloche Monnex to cancel our insurance before returning the car. One year later, we received a renewal notice from TD; we called them again and reminded them that this had been cancelled one year before; they said to provide proof that the lease had expired. We provided them with the lease showing the expiry date and even the inspection report when the car was returned; they indicated that they needed some mythical "end of lease" agreement, which is not a thing. Amazingly, we have again (two years later!!) just received another renewal notice - they have now continued to charge us insurance for this car for two years since our lease expired, and they still won't cancel the insurance without the mythical "end of lease" agreement!! Have just spent 2.5 hours on the phone; their agents are very polite and empathetic but their underwriting group appears to have the mandate to squeeze customers for everything they can. We used this company for 15 years. We are now cancelling all of our home and auto policies with them; we will never, ever, ever use them again. On principle, we are taking the matter above to small claims court. I would strongly advise against insurance with this company - just not worth it.

Their customer service is terrible, it's so hard to get anyone on the phone. Updating your insurance takes 30+ days on their app/website. They've multi-charged us a few times and the only way to fix it, IF you catch it, is they'll charge slightly less per month for the rest of the year to make up the difference. Horrible. The one claim I've had in 30 years, they dropped the ball massively, didn't pay the damages for like 6 months. It took forever and so many calls to finally resolve. The last straw for me was that they'd stopped mailing updated insurance papers every year, so I was walking around with a 3-year-old insurance paper in my wallet and no way to get updated ones (unless I want to sit on hold for hours). I couldn't rent a van because their app was also down and I had no proof of insurance. Thank god I wasn't pulled over by the cops. I struggle to imagine any way they could be more negligent.

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 had a claim that I called and cancelled as I found a more cost-effective alternative elsewhere. It was with utter shock I received an mail nearly 2 years later stating I owed over $700 in unpaid insurance. All my attempts to reason with TD fell on deaf ears. I provided documents showing I had active insurance elsewhere and even went as far as contacting my phone provider to get records of prior conversations I had. I wrote TD multiple times with no success. This has left me with rising deductibles with my current insurance. It truly is pathetic that companies will do anything to reap people of hard-earned income. I will do everything in my power to dissuade anyone thinking of doing business with TD to think twice, the experience is just not worth your hassle

Had a claim in April with no deductible. Got a call in September that they want to collect 450$ deductible, asked why what happened they said that I must pay it like it or not. I asked the manager but I was told that I won't have a deductible and she didn't care and said if I don't pay it that they will send it to collections. That is the service you will get if you sign car/home insurance with them. STAY AWAY!

I have auto and home insurance with TD. My husband called recently to add his car - he was placed on hold for over 1 hour. He had to end the call only to later be put back on hold for another 1 hour. I've reached out to TD online and they've not been helpful - just trite statements about "higher than normal call volumes." I do not think they value customers at all. I see that others have had similar experiences. I had to make an auto claim 5 years ago, and they were not helpful. They did not cover the full cost of a rental car after a car accident. I ended up paying $2000 out of pocket. This, along with my recent experiences with TD, makes me think it's time to consider other companies. I have another property insured by a different company and have been very happy with them. I will look into quotes with other companies when it's renewal time with TD and move on. If you are considering TD Insurance, I suggest you look into other options instead.

After my car accident TD provided excellent customer service, I was very impressed. However, after my claim was closed and I learned I needed to replace the car seat in my car and that TD would pay for it, it was painful trying to get a hold of my representative. She would either not answer my emails or take forever to get back to me. Customers shouldn’t have to chase down their representatives and hound them for answers via email and/or phone. My experience started great and ended with disappointment. Still, haven’t received payment for the new car seat either!