Meloche Monnex (TD Insurance) Auto Insurance Reviews

I was told that using my truck in any way makes my insurance null and void as that means that I need commercial insurance. So, when I had an accident and I was NOT AT work or doing any work at all then I was told that they found out I use my truck to move furniture for my business back and forth from my storage. When the accident happened they DID NOT PAY OUT ANYTHING and told the other person to SUE ME! Most terrible company ever! After they cancelled me they told me to get insurance elsewhere and then still continued to take money out of my account!!! What kind of scam is this... I paid collision insurance for years and they don't want to pay... Then they told me if I want to stop the 150 dollars coming out of my account then I have to send an email with my new insurance pink slips and then when I did they told me I had to cancel it by sending the pink slips as this disorganized group don't know how to open an email. Do not insure a truck with this company!

Like others, I have been on hold with TDMM for well over an hour listening to the same three-second loop of music. Their customer service in that department is lacking. Recently though, I have gotten to speak to someone with much shorter wait times. Currently dealing with an adjuster for a not-at-fault claim. She will not return my calls or respond to my emails (three voicemails and three emails requesting a call over the course of this claim, zero responses). Then, she had the audacity to send me an email with a form letter component saying they strive for "legendary customer service" and to let them know if I have any questions. I have questions, she just won't answer them.

Never had a claim before. Did not know what's it like to be in pain, if your insurance company, don't answer your call, leaving 100 voice mail. Even supervisor doesn't exist. The best answer was - if I did not go to work I wouldn't have an accident, so people please don't drive a car, don't go to work, period. Are you for real an adjuster or joker, or whatever they just hired you to bully people?

After my car accident TD provided excellent customer service, I was very impressed. However, after my claim was closed and I learned I needed to replace the car seat in my car and that TD would pay for it, it was painful trying to get a hold of my representative. She would either not answer my emails or take forever to get back to me. Customers shouldn’t have to chase down their representatives and hound them for answers via email and/or phone. My experience started great and ended with disappointment. Still, haven’t received payment for the new car seat either!

Must agree with everyone's comments so far. I have never seen such terrible customer service. Their agents make up information that they do not have answers to, and you get different information from different people. Have a claim in about stolen car, and they just will not reply to my emails or calls. The adjuster called back once and just never tried again even though I left numerous messages. They have the lowest rates I have experienced, but the price reflects the service you get, unfortunately. Very disappointed.

I’ve been with TD Meloche Monnex for almost twenty years and I’ve never made a claim or had a claim against me. Recently, my parked car was hit by a drunken driver; thankfully, two local people dragged him out of the truck and held him until the police arrived. I had a letter from TD saying that I had zero deductible and so they’d be happy to pay for the repairs. They were super friendly in the beginning but then I was told my 1998 car wasn’t worth fixing and they’d give me $1000. I reminded them of the letter and I was told “that was then, this is now” and that it was a matter of wording. I’m still in the process of talking to other people but I’m told they will say the same thing - even before I’ve had a chance to talk to them. Earlier, I left for the winter and on my return, I replaced my insurance. “Do you want the windshield coverage to continue?” I’ve never had this coverage. I was told the agent must have hit the wrong key; there was no mention of a refund. Like others, I’ve also been told I can get much cheaper coverage elsewhere, even though I’m supposed to have a cheaper rate because of being in a group. My advice is to go elsewhere.