Meloche Monnex (TD Insurance) Auto Insurance Reviews

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 will NEVER get insurance from them again!! Every time I call, I’m waiting minimum an hour. I’ve had to call MANY times for a rental car that I was told “will be covered until the claim is done”, the rental company was calling every day asking if I was bringing it back. I was charged for another month of insurance and I don’t even have a vehicle anymore due to the accident. Not at all organized and very unprofessional. They need to get their act together.

I used to have my properties and cars insured but TD's customer service is so terrible I had to leave. You can't reach anyone! Just out of curiosity I waited on hold (with one of my phones) for their claims department and finally hung up after 4 hours on hold!!! You can't have an insurance company that won't talk to their customers. I tried calling the customer service dept and was told I needed to talk very nicely or they wouldn't deal with me. They also told me there was nothing Customer Service could do because claims was a different dept. They've got to be the worst insurance company out there!

Word of advice. Never use TD Meloche Monnox. Worst customer experience I’ve ever had. I was calling in regards to a small crack in my windshield caused by flying debris during a windstorm. I was originally on hold 20 minutes. I understood the windstorm caused fairly widespread damage which caused them to be very busy, so this was acceptable. The conversation went as expected, and a claim was about to be filed. My last question was “is this going to affect my premiums?”, which to me is a fairly normal question. He responded that he was unauthorized to answer that question. So here I go back to the 1800 number. This wait was over an hour to only find out that it is standard that my premiums will not be affected. A very black and white answer (that the previous person should have been able to answer). I was then transferred 3 more times to the wrong department who said there was no record of my claim being started. Finally, I was transferred back to the original department I was talking to who said that my claim was a click away from being filed. This whole debacle took well over 3 hours for a small crack in my windshield. Takeaway: Rather than having one person who can answer all your questions, they have fragmented their services into various departments that have little to no communication between one another. It seemed as if they didn't even have access to the same information. I felt as if I talked to 5 different companies rather than one. My advice would be to read other reviews and shop around before choosing an insurance company. I wish I had done this before selecting Meloche Monnex

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".

If I could give this company a worse rating than 1 star, I would. Today I waited on hold for a total of 3 hours to talk to someone. Initially, I waited for one hour, then the representative put me on hold again while trying to connect me to an agent and hung up on me. I called back and waited another 2 hours and I got frustrated and hung up. I called back again and finally got through to someone after 5 minutes. Usually, I wouldn't wait this long to talk to someone but I needed to cancel my policy before it renewed. The manager was apologetic and offered $25 gift card for the hassle. That was all they could offer. I suggested that they have a call back feature on their phone line if customers are on hold for more than 5 minutes. They said they would look into it. I've been a customer for a few years complaining about the same issue many times and they have never dealt with this issue. I would not recommend this company.

My vehicle was stolen in October. Was reported immediately. It was found in a different city a few days later. It took them over a month to have it brought back to the city it was stolen from so it could be inspected by our mechanic. We followed all the steps completed the report and my husband provided the written statement as requested since he had the vehicle when it was stolen. They have not approved the repairs so it has been sitting in the snow and has not been started since October (the keys were stolen). Now over 4 months later they are saying they need to do more investigation and need to meet with my husband to get a verbal statement. Like are you kidding me ?! Why wasn't this investigated 4 MONTHS AGO? I continue to pay for a vehicle just sitting there and my adjustor is always out of the office and yesterday waited on hold for 35 mins only to be hung up on. I'm so fed up. Would not recommend choosing this insurance and I will surely be switching after this is done .. if it ever gets done.

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.

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 am a 62 female with a perfect driving record. I signed up for the My Advantage app as I am a very careful driver. The app calculated that I would save 21% on my insurance. I got my renewal and instead of saving 21%, my premium went up 14%. When I contacted TD Insurance, they confirmed the discount was applied. I think the app is misleading to say the least and I am looking for another provider to move all my insurance needs.