Meloche Monnex (TD Insurance) Auto Insurance Reviews

2.5 hours and waiting ... is there only one person answering the phones over there? While I am on hold I am getting quotes from other providers so that when they finally answer, I can just say cancel my multiple car and home policies - thanks for valuing my time.

After being with TD for 7 years and having multiple cars and home insurance policies with them, they increased my insurance premiums 28% from the first year with no changes (i.e. no accidents, tickets etc).

I had been a loyal auto insurance and home insurance customer for 10+ years. I had a recent incident where I got a ticket but otherwise a clean record. TD called to let me know they have declined me for renewal. They said it was a major ticket and they cannot insure me any longer. They wouldn't even discuss the issue. Oh and this is almost a year post the ticket I received and just 2 months before my insurance expires.

I am a client at TD Meloche Monex for more than 10 years now. It started with my first car when I was 17, got a good price because of their partnership with different Universities and Professional organizations, etc... I also got my home insurance with them now. HOWEVER, it is now impossible to speak to someone. Client service is awful. I don't think they have anyone listening to the phone anymore...They want us to do everything through the App or Website, but sometimes, you just have to speak to someone in order to explain a specific scenario... They should get 0-star review. I had one claim once. I got hit by someone. To be fair, I was happy with the process. For my claim, I was able to speak to someone quickly. The whole investigation process was fast and they sent me to a good car body shop (in eastern Montreal), so I can't say I had a bad experience with the claim. But again, for all other stuff (e.g. explanation on price, modification to policies), getting someone on the phone is a journey! Anyway, this year they increase my insurance rate for about 30% for no reason. Of course, impossible to talk to someone for an explanation... you need to wait for days on the phone... Now the rate is not competitive anymore, I am paying more than what I would from other insurance companies for similar coverage. I decided to move on with a better insurance company.

So, when a company reports increased earnings and increased the profit of almost 10% for 2018 and can't even have enough people to answer the phone it makes me wonder what kind of service I'd get if I ever had to make a claim. When I consider the percentage of my take-home pay I have to give this company to insure my motorcycles, cars and house I feel robbed when I am put on hold for over 2 hours to simply add a car to my policy. Yes, call one today 1.5 hours then I had to move on to other things. My second attempt now and I am at 52 minutes. Their prices seem fair and the calls go well when you get them, but I have noticed hold times getting longer every time I call. As customers, we have a legal right to access insurance agents and the products we pay for. Look at the number of complaints about hold times, tell me how that isn't restricting our access! I will be calling around for comparable rates with better service.

We have had our auto and home insurance with this company for 25 years. I just called to add our teenage son (new driver) to our plan. I was expecting our premium to go up but was surprised to learn that they will not insure new drivers under any circumstances. I will be cancelling our policies immediately, due to this elitist and discriminatory policy.

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.

I was with Meloche Monnex for 35 years without incident! I had a bad year after my father's death and wound up with 4 tickets. Meloche sent me a letter cancelling my insurance and only giving me a few days to make alternate arrangements. When I asked for an extension, they declined. After treating me so badly they had the audacity to ask me to return to them when my tickets cleared. I would not ever recommend this company to anybody and would never again use them myself. I had 2 vehicles insured plus my home insurance. I pulled all my insurance and went elsewhere. It turns out Meloche is not very honest. They claim to be cheap and I found much better deals elsewhere even with tickets.

Horrible experience with TD auto insurance and home insurance. First of all, the sales rep were lying to the customers and trying to sell customers the service they don't need and walk you into a trap. You end up having a service that is not what you wanted and never needed. They are not there to help but to create more troubles for the consumers.