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.

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

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.

DO NOT TRUST THIS COMPANY. I got rear-ended and the adjuster said I was at fault. Are you kidding me?! My car is fairly old but has low mileage on it and they said it's a total loss because they "can't find the parts for it" and only offered 6k for the car. IT'S A SCAM.

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!!!!

I had a car accident and followed through with my claim, two weeks later, I have recieved calls for car financing and mail for the same in droves. I have never had this much mail (three inserts per day) nor ever had unsolicited calls. What's up with that?