Meloche Monnex (TD Insurance) Auto Insurance Reviews

AVOID. AT ALL COSTS.....The absolute worst customer service experience I have ever encountered. Different answers to the same questions from different people. They do not care in the least about your interests. Next to impossible to communicate with. Extreme lack of knowledge pertaining to their industry. As you can see by their overall rating on many review sites, am I not alone in my judgement. You get the idea. Do yourself a favour and don't waste your valuable time on this company.

They are the worst I have been trying to cancel my car insurance over two years. They don't communicate via email so I have have to take time of work to wait hours to try and get someone on the phone who has authorization. Then when I speak to a number of people they tell me oh they are missing this form or that signature. Seriously they should not be allowed to sell insurance or work with the public. I am so angry and feel so mistreated by this company... THE WORST !!!

I’ll start off with what seems to be the common trend, and that is the wait times are extremely long. I’ve been waiting for 2 hours and 20 minutes so far, but typically I’ve waited for an hour. So this is a record. Is there anyone working? They need to hire more people if everyone is really busy. And like others have said, they should tell you what number you are in the queue and call you back when it’s your turn like phone companies do. However, the real reason why I am posting this is because of the unprofessional customer service I have had with the adjusters for my claim. I was in a car accident earlier this year. My adjuster called me and left me a voicemail at 1 pm while I was at work (they have a record of your profession by the way so why would she call me during the way when I’m working?). I tried calling her back and left several voicemails and tried calling the claims department to which said “she’s been trying to get a hold of you. She called you on Monday.” She called me Once. I kept calling for 3 Weeks and when I tried emailing her to ask what’s the current status of my claim, she said “I don’t have info on your policy. You have to contact customer service.” That was completely irrelevant! I was even referred to her supervisor, who was just as impossible to get a hold of. Fortunately, after many calls, during the fourth week after my accident, I got through to a girl in the claims department who was so much help and filed my paperwork, who, by the way, was talking to me from Nova Scotia while I was in Ontario. Towards the end of my claim, my first adjuster finally emailed me to send her my documents, after 4 weeks. Sadly, just as I thought the nightmare was over, something else came up. I had used a rental car after my accident for one month since my car was a write-off and it was included in my insurance policy. I returned the car after and thought everything was fine. Last month, I got a notification that over $1400 has been withdrawn from my Visa. It was taken from the car rental company. I immediately called them after work and get through to a lady in accounting service. She tells me that she had been trying to get a hold of my adjuster from the insurance company and her manager because They Did Not pay the Rental Car... She emailed them saying that if they didn’t pay, she was going to have to take it out from My account and I’d have to deal with the issue. My accident was in January, and I had the accident until the end of February, so for 4 Months, TD Meloche did not pay the rental car company, and now I have to deal with it and wait on the phone to get a money transfer. And by the way, I’m still waiting for my licence plate to get released from the car dump (I did not get to remove it). This is another issue that I get to deal with. I’ve been waiting for 3 hours now since I started writing this review. The only reason I’m still with TD Meloche is because of their low rates and their insurance packages.

TD insurance is the biggest liar in Toronto. Stay away from them if possible. They can constantly increase your quote and charge extra when activating/setting up your account. I have to stuck with them for a year, and won't stay with them afterward. PLEASE PAY ATTENTION TO YOUR BILL , ESPECIALLY FOR NEW CUSTOMERS USING TD ADVANTAGE APP. THEY WILL CHARGE EXTRA AND STEAL YOUR MONEY. We just relocated to Toronto a month ago, and shopped around for auto insurance. It seemed that TD insurance can provide us the reasonable rate so far since we had been staying with TD insurance for a few years outside Ontario and have a clean driving record. So we asked them to send a hard copy of the quote. When the mail arrived, the quote was around $150 higher than the one we quoted on the phone. So I called back, one of the agents told me that her co-worker made a mistake on our previous quote (lower rate). Excuse me! I said I thought your guys are professionals and asked to talk with her supervisor. The agent asked me to hold on, it turned out that she hanged out my phone. She was so rude that I tried to complain about what happened to me with their supervisor's phone line on their website. Nobody answered my phone and asked to leave a voice message. I did, there was no response from them since it has been almost a month. I kept shopping around because of TD insurance unreliability, their quote (the higher one) was still the reasonable one we can get, because we can get some group discount. For the sake of money, I went back and called them to activate our account early in the morning. Since unpleasant experience on quote, I double checked our premium, coverage (including download TD advantage App for 5% discount) before activating. So I preferred the payment by credit card, which is the only option for full payment. And I asked the agent repeated how much he will charge on credit card. The amount of payment was the exact number as the higher rate. So I gave him my husband's credit card information. It's done. And I asked him to send a temporary insurance file to us. Due to the post office being on strike, we need to get our car registration and switch licence plate in a week. I still didn't trust them, when my husband got off from work and called them in the evening to check how much they charge from credit card. Okay, it's the same amount as the quote. To our surprise, I got the official document of Auto insurance this afternoon, they charged us more than $100. So I was so confused that I called them to ask what is going on. It took a while for an agent to figure out the problem. They didn't give us a 5% discount when we downloaded TD advantage App. Jesus Christ! We agreed with using this App. They even sent us an email and asked us to download App with PIN. What's wrong with these people? If you don't provide us the discount, why did you ask us to download the App? They thought we didn't know the amount they charged extra. Unfortunately, I kept every record from them, it can be traceable. I read so many bad reviews about this App, I gave up on this App. I don't want to install it or have any issue with them. So be it.

I got a quote on the phone from Tony at the Halifax office. He was able to find my previous information quickly and provided me with excellent information on the type of policy I would need. When I called back to instate the actual policy, the new agent, Jason was unable to find my information and said that the policy I was offered by Tony was not even a valid policy. He insulted his coworker, Tony, and seemed really immature to deal with. I ended up telling Jason that I had no confidence in his abilities and that I should take my business elsewhere. He responded angrily that it was a good idea. Needless to say that I am taking my business somewhere else.

This company does not have enough agents on the telephone. Wait sometimes for several hours to talk to someone. (I waited 2.5 hours once then gave up)

I just cancelled my insurance today after being with TD for 2 years. They charged me exactly $375.68 for 11 days of coverage when my monthly payments were only $267.84. I never made one claim, I have a clean driving record with no traffic tickets and my only downfall is living in Brampton. I found a cheaper rate with better coverage from Desjardins Insurance. TD has no loyalty and they are competitive only in your first year, so you're better off switching after your year is up. Talking to the service agents on the phone and asking how $375 for 11 days was hilarious... Insurance companies are a scam unless you make a claim or for those that choose to scam them first. If you have a clean record and find a better price somewhere else - be prepared to get stiff-armed by a company that is purely "profits before people".

I am baffled as to how this company stays in business. They are very antiquated with few online services, seeming to rely mainly on letters for communication. They claimed to have called as well, but either a representative put in the wrong number or that's false. Anyway, we were notified via letter that we didn't have all of the proper documentation for our insurance (this is 6 months into our policy) to satisfy regulations. Baffled, we contacted the customer service e-mail to fix the error. The insurance was canceled anyway, the company saying we had until the 2nd to fix the issue and time had passed. I have the physical letter that clearly said until the 12th. Canceled anyway, and I was berated on the phone by a representative that said they had tried to contact me several times and it was therefore our fault. We paid in full, have no accidents, no claims, a clean driving record, and Ontario driver's licenses. Yet they still canceled out of the blue and refused to salvage our account. They also made no attempt to refund until I complained. I don't know how they manage to stay in business when they treat customers like that, and miss out on $800 they have to refund (hopefully - I am still waiting). Avoid this company like the plague. While they offer discounts, their services are terrible, and now we're stuck with this record saying we were non-compliant as we shop for other insurance, even though we had perfect insurance records before. It's ridiculous and the strangest, most awful experience I've had with an insurance company. It's like they outright didn't want our business.

I was trying to get a quote for insurance and I was waiting for 10 minutes. I thought because I had previously used TD that it would be easier, but after waiting the agent informed me that I had not paid 20.00 and there would be interest on that from the last year. When I asked why or how much the new quote is they hung up on me! Obviously they are out sourcing this call centre somewhere people feel uncomfortable selling their scam insurance. I expect better from a Canadian company.

Must agree with everyone's comments so far. I have never seen such terrible customer service. Their agents make up information that they do not have answers to, and you get different information from different people. Have a claim in about stolen car, and they just will not reply to my emails or calls. The adjuster called back once and just never tried again even though I left numerous messages. They have the lowest rates I have experienced, but the price reflects the service you get, unfortunately. Very disappointed.