Meloche Monnex (TD Insurance) Auto Insurance Reviews

Was in a no-fault claim. Car wrote off because they valued car incorrectly comparing to the wrong vehicle. After three days told to return rental per 'my' policy, even though other insurance covered it. No car for months, as a result, lost a job, missed mortgage payment, no access to the grocery store as live 35 minutes from town. 2 months isolated without transportation. TD would not advocate for me or cover me and this was after 30 years of paying into car insurance with no claims.

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.

Their initial response to a claim is helpful and efficient. They will pay invoices from their business partners, such as body shops, quickly and without question, even when, as in one case, the invoice was fraudulent. Their handling of repair claims is satisfactory as far as the policyholder is concerned. The picture changes when they have to make a payment to the policyholder, and it can take months of haggling and even legal threats to reach an acceptable settlement. They drag out their responses, presumably with the intention of wearing down the policyholder, and their staff give the impression that they there to defend the company rather than help the client. Their process for assessing the replacement value of a stolen or totalled car is bizarre. It would be irresponsible to recommend them to anyone.

They treat you well up front. Do not believe it. We don't mind paying higher premiums believing perhaps the company can be trusted. Wrong! When it comes to claims Beware! Do not allow them to just repair without knowing what the cost will be within reason. They will screw you out of a new vehicle though you have paid for the 5 year replacement insurance. Do Not Trust them!!!!

The vehicle was recovered by Calgary police when they arrested the perp driving the vehicle and charged with theft under 5,000. The vehicle was impounded where it seemed to have been forgotten by the insurance company.

It took a year of constant calls and emails to the insurance adjustors. Adjustor finally paid 3,100 for the vehicle even though I had bought that vehicle for $4500 just weeks prior to theft and had provided pictures showing the condition of the vehicle. Their first offer was $2600. During the one year to settle this claim they paid $15,000 in storage and towing. If this was my only vehicle, how would I have gotten to work or lived?

Unfortunately this review won't accept zero stars therefore I had to rate them a one.

Interestingly the Insurance Ombudsman indicated that they were trying to push the claim past one year so they would not have to pay it.

This company will do whatever they can to deny your claim. Also, investigator will want to interview you in your home. What a joke. Avoid this insurance company at all costs.

My accident occurred on December 2nd, 2016. There were issues with my vehicle once repairs were complete at the beginning of January. I have made several attempts to contact my claims adjuster, along with his colleague since January 5th, 2017. I have not received any responses from either individual.

Then, I receive a generic 'Closing Notice' in the mail dated January 30, 2017.

I attempted to present my problem to a manager on two separate occasions (February 24th and February 28th). In both instances, Claims Advisors assured me that a supervisor/manager will be in contact with me within 48 hours. No one has contacted me in either instance following the 48 hours.

I contacted the automobile claims department once again and spoke with a Senior Claims Advisor. She looked into my file and advised that the manager assigned to my claim, could no longer be reached.

My problem remains unresolved.

I have had one of the worst customer service experiences I have ever encountered while trying to do a simple hail claim with TD. I was parked at the Calgary airport over the Aug long weekend, and while I was away, we got a hail storm. When I returned to find my poor car dinged up from hail, I called to make a claim (the first time I've ever done so in my life).

I didn't hear anything back for the first couple of weeks, so I called them back and got a name of my adjuster. I called AND emailed this person. Still didn't hear back, so I called the claims line again only to be told they had changed my adviser to someone else. I called and emailed this person, and after another week I did hear back, and was scheduled in for an assessment on Sept 9 (everyone else I knew with hail damage had their cars fixed, or pay-outs made before I even got to speak with someone!).

The estimate place said someone from TD would be in touch in the next few days to go over the estimate and claim with me. Another week went by and I hadn't heard anything, so I called and emailed the adjuster who had made the appointment. When again I didn't hear back, I had decided that I wanted to speak with a manager. I called the claims line, and they told me that AGAIN I had been re-assigned to a different adjuster (that's 3 now if you're counting).

I said I wanted to talk to a manager. They are not in the same building as the adjusters, so the person on the phone didn't think they could help, but I asked them to transfer me to the receptionist at the correct office and I would ask them to physically go find someone that would actually talk to me and tell me what was going on. I finally got a manager, Moe, who apologized, and offered to take over my case and get it sorted out.

While I was on the phone with him, this 3rd adjuster person called me (we are now well over a month since I made the claim, and that was the FIRST call I received from anyone at TD). Moe was moderately helpful and at least gave me some information on how to move forward. I then emailed him today to follow up on my decisions for the claim (this time the delay was on me as I wanted to research and ensure I was making the best decision), and soon after received a phone call from someone else who said Moe had asked to take over my account (person #5 now).

I HATE to think what this would have been like if I had been in a serious accident and not just hail damage. I really hope someone from TD actually reads this and does something about the horrible service that I have to assume other people are also receiving. I have been a TD customer of some sort since I was 10 years old, and am truly shocked and appalled at how bad this experience of submitting a simple hail claim has been. I am a manager for a company that promotes good customer service, and if any of our customers went through what I have been going through this past couple of months, there would be a lot of people looking for new jobs...

On the positive side, as I don't like to write negative reviews, the people on the customer service side who take your money, are quite helpful and lovely to deal with... go figure.

As insurance companies work mostly over he phone, the lack of transparency, follow up, communications and integrity is sorely lacking at Meloche Monnex. I was a customer for over two years and paid $120 monthly, I was told that I had the comprehensive coverage yet this month for He first time I called about two small items, my windshield that has stone chips from the highway and a scratch from someone vandalizing my car by keying the side of the body. After numerous transfers, voicemails, promises of managers calling back and wrong as well as conflicting information being provided every time I call- I decided to cancel my insurance policy with TD. They do not care about the customer at all. They did not acknowledge their error whatsoever. They stuck to the script and each person would repeat that I was sent insurance policy by mail and henceforth it was my fault all along. It doesn't matter to them that they have made a mistake and that they should at the very least apologize and try to retain the customer. They have completely alienated and upset me because they are thieves. TD should be sued for their business practices.