Meloche Monnex (TD Insurance) Auto Insurance Reviews

This vehicle is a 2015 Subaru Forester XT pearl blue colour with only 9,300KM (approx. 5,600 miles) on it and it is in excellent condition other than the improperly done repair work.

The damage to the rear bumper cover caused by a hit and run, while the car was parked, was very minor but it required a replacement bumper cover due to the black textured portion being scuffed which, if that hadn't occurred, would not have needed a new bumper cover.

Took it to the "preferred shop" which painted the bumper cover the wrong shade of colour, it was too dark which was very noticeable and devalued the vehicle further and much greater than the accident damage cause. The vehicle was sent back to fix the problem but came back with the problem extended to both side's rear quarter panels by spraying them the colour of the improperly coloured rear bumper cover and there was overspray on the driver's side front and rear doors and the paint had orange peel. The vehicle was sent back to a different location of the "preferred" body shop which did a better paint job, no orange peel and the overspray problem was almost completely eliminated (there's still a little left) but the improper colour was extended even further along the sides of the rear of the car and, because of improper masking there's a line of paint forming a continuous line along the black portion of the bumper cover. Also, there's a stainless steel protection plate along the top of the rear bumper cover that was improperly installed, it has 3 places along the edge where it is puckered and not stuck to the bumper cover. As well, the rear mud flap on the passenger side is not tight against the rear side of the car at the wheel well. The bumper cover is not quite plumb with the tail lights, it is protruding a bit out on the passenger side under the tail light trim whereas on the other side it is slightly in under the tail light trim. That was the 3rd attempt to remediate the problem caused by the first repair attempt now they want to try a 4th time at a totally different body shop. We met the insurance company rep and the body shop owner and had a discussion but my wife and I have no confidence that the improperly painted repair will be remedied back to the OEM colour it should be. There's no guarantee that the paint colour of the repair will ever be done correctly, and there may be other problems such as described in the 3rd repair attempt or more than that. There's a lot more to this than what I've written but I can't deal with writing more about it. We are now dealing with the insurance company's customer service department but, considering what has occurred, we are not hopeful of a satisfactory resolution.

There are only so many words I can use to describe my experience with TD Meloche. Slow, unresponsive and unhelpful. The folks in the claims department will never take your calls and never return your calls. I don't understand how their performance is measured because they never seem to do anything. Go else where, if your car gets totaled, you will be left stranded for months.

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.

I was switching vehicles and called TD to get my insurance switched to my new car. I waited on hold for over 1 hour and 15 minutes. Unacceptable. After I got through to someone, I expressed how important this call was, as I was picking up my new car the next day and needed the insurance papers faxed to my dealership in order to pick up my car. The rep was extremely unhelpful, and did not finish my requests. This resulted in me not being able to get my car when it was supposed to be picked up. I am extremely disappointed and will be switching my insurance with a new company because the service you provided was extremely unprofessional, and unacceptable.

When I came to Canada I had great trouble finding car insurance that was affordable. I was quoted in excess of $3000 per year from many companies …for a second hand car that cost $2500. Finally I got in touch with Meloche Mennox, who happily accepted my 20 years non-claims history from my home country insurance company. Fast forward three years and my car is totalled on HWY 1…not at fault, black ice, walloped by another vehicle also hitting black ice. When I start the processing's I'm told they're sending me a claims form. I wait. And wait. The rental car I was given for 1 week get's returned. It's January and I'm still waiting. Another couple of weeks go by and nothing arrives. I call them and they say it was sent. I wait a few more days. I get angry. I call again. Then they finally communicate and say (matter of factly) it was sent via email. Email? To the wrong address. Anyway, I complete the form (which I had to print out anyway and it gets sent to them. I noticed when the claim is accepted and I get my insurance paid out - after about 8 weeks, the MM had also taken an insurance payment out of my account - after the date they'd accepted the claim and declared it a write-off.

Despite 7 months of calls to try and retrieve this over-payment, and despite every person I spoke with agreeing that this was their mistake - I got nothing. Only empty promises ...and lies upon lies. A paltry sum paid to me for years of loyalty and no claims. Go figure.

Fast forward a year. I also had my house insured by them and my mortgage from them. They hounded me relentlessly to buy more insurance. Every night for months I've get a call at 9pm. I told them about my car insurance fiasco - every single night. When my mortgage and house insurance was due for renewal - I took action with my dollars. Never trust them. Remember how they also refused to pay out after the flood disaster?

By the way …I'm writing this 10 years later. Never forget!!

Had insurance with TD Meloche Monnex for 4 years at the time of my no fault accident. Accident happened in September 2014, visited their third party four times for assesment and their result for all four times turned out to be the same. Other doctors have different information from what they have all the time. One example, my wrist was damaged in the accident, td third party claim it's soft tissue injuries, other doctors said something else other than soft tissue is wrong with it. Ultrasound now shows inflammation.

I always wonder why people complain that their insurance company treating them like criminals at the time of a claim, and now I understand. I over heard the doctors conversation, TD third party saying that "these patients don't understand that what information we give the insurance company, that's what they go by, we get paid anyways". The next time I write about this issue, I will be putting the name of the company. I had no problems with TD before my accident, now I can't even successfully complete my classes in university and get over 60%. Sometimes I can't even get off my bed, I can't sit for more than 25 min, I can't bend, can't lift anything, having pinches in my back and legs and arms getting num but yet I have soft tissue injuries. I cry everyday because of many reasons, I don't know what my life will be like as of now. This is my second winter from the time of the accident and my pain just seem to be getting worst. TD neny all my claims until I see their third party even though they get proof from professionals. TD would put everything thru if was dead with no question ask. Sometimes I really wonder if these ppl are actually human.

I never thought I would see TD like this, but they are just like any other insurance company and they get bigger and bigger everyday because of us, their customers. But why do they treat us the way they do? They are only defending money they don't give a shit about our wellbeing.

My car was involved in a not at fault accident on a Saturday around mid October so I called TD on the Monday to report it.........No one got back to me till Thursday (no biggie) but, this adjuster was simply terrible. After he initiated first contact, that was it. I was the one that had to chase him around and call and leave messages like 4 times a day to get any sort of update. He wouldn't call me and tell me what was going on. My car ended up being a total loss and was written off and scheduled for their salvage company to come pic it up. Again I had to call to find this out. It was actually the salvage company that contacted me to tell me they were coming to get my car (I was like huh???), no word from my adjuster. Then he goes on holiday but leaves to forwarding number. so for 2 weeks I was getting transferred around and getting "you have to talk to your adjuster" at the end of it all. I was able to get a rental around Halloween time however.Then I call in again to settle everything and by chance I talk to an adjuster who was nothing short of spectacular. What I have been trying to get done with my useless adjuster for a couple of weeks she was able to complete in a few minutes. My checks where issued out (I got 2, towing and car write off). I had to return the rental however on November 9th. Now enters a new phase of the war. All of this was settle with the wonderful random adjuster on November 5th, now my useless adjuster comes back from holiday. I could go on and on but long story short. Today is November 23 and even tho my write off check was issued on the 5th (18 days prior) I still have not received it and I get a different story every time. Most frequently they tell me that its still in the mail........I got the towing check on the 9th. How can two cheques issued the same day be so far delayed. In total since all this started I have been without a car for about a month. On top of it all the customer service was horrendous, I lack the capability to literate into words how bad this experience has been ......And here I thought this is the exactly reason we pay insurance. To be insured when these situations arise......Thank you TD. I don't care how much more expensive my next insurer is, as long as they are in no way connected to TD I will be happy

was at not fault accident, police didnt give ticket, but TD marked it as at fault accident. 10 times i kept calling their claims dept, all they wud do keep transferring me from one person to other..customer service extremely rude. Its just a blind hole where we keep giving money and get no return..HATE THEM..

The company uses low level adjusters who are based in Ontario. Their only interest seems to be closing files as quickly as possible rather than investigating cases. In my experience these adjusters have no interest in protecting you as a customer even though that's what you are paying for. Do you really want an accident in Alberta to be decided by an adjuster on the other side of the country? Stay away!

I can't imagine a worst customer service in my life. Claiming there is just a disastress experience. The last claim I made, I decided to pay the repair of my car from my own pocket and not waiting for their lack of sympathy to the customers like me after at least fifteen years of regular fidelity. Stay away !!