Meloche Monnex (TD Insurance) Auto Insurance Reviews

I wanted my name off my ex-husband's insurance (yes I wanted independence) and was placed on hold for 47mins the first time I called. They told me I was not a named insured and was not listed as a driver. My ex-husband was mad because he told me that he tried to take my name off but they wouldn't because we both had to sign papers stating the vehicle isn't mine and yet I'm the one using it. Doesn't make sense! My ex-husband still tells me I'm in the policy so I call again and here I am on hold for another 46mins and counting. Why is it so hard to get a hold of a customer service rep or an advisor for TD Meloche? As a single new mom to an infant, and breastfeeding, you'd all know my time is so limited that to just get my name off, one would think this should be so easy!

Nothing was harder in life than getting a hold of my adjuster. Resolving my fairly simple claim took 3 months. Not only did she never pick up, reply to her voicemails and read her emails, but she would also take weeks at a time to follow up. And, when she would be completely oblivious to how much I've been struggling to try to get her attention and taking Ubers every day from work. When she went on vacation and there was no replacement for her to take care of my claim. Her manager never ever picks up or replies to his voicemails either. Before she left for vacation she didn't tell me that I had the option of not writing off my car which is not fair and pressured me to sign a write off form in 3 hours as she's on vacation the next day for a month. I could have lost a brand new car because of an unfair estimate and she acted completely non-challenge about that. Whenever I'd call other adjusters, while she's away, they give me completely different answers to the same questions. When I called Service they forgot to tell me I'd lose collision coverage even though I asked and asked. This resulted in my having to pay off my loan after I've also had to pay out of pocket to fix the car as a result of them not explaining to me that I wouldn't be getting the cheque and instead the cheque goes directly to my lienholder. Took me maybe 5 phone calls to change my address on file. After, they finally started giving me answers they had the audacity to ask for a letter from my bank, that the bank said was highly unusual. This is also after they already confirmed, they were mailing out the cheque ... This experience was so horribly inexplicably bad that it could drive someone to insanity and alcoholism. Stay away from these people.

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.

So after 40 minutes on the waiting line, I got transferred to a third party vendor that captured my info and told me that somebody from TD insurance will contact me tomorrow after 11 am. I had by accident hung up and had to call again (another 40 minutes of waiting time). This time the new agent told me it takes 1-2 business days to be contacted. Nice, inconsistent message to the customers.

This company is extremely hard to get on the phone! You must stay on the phone for periods of over 30 minutes or so while they continue to shout advertisements for their products at you. Because of this, I have decided not to do any more business with TD!
The ONLY good thing is they are not that expensive.

The company said they could only process one transaction per day, and considered the cancellation of an auto renewal 2 months in the future my "one transaction". This is causing a huge headache for picking up my new car and transferring the insurance. Echoing other sentiments on this feed, customer service representatives are no well equipped and can't answer simple questions including "what is the cancellation fee" without a 20-minute hold and conversation with another department. Even if they are a few dollars less than the competition, I strongly advise against this company.