Meloche Monnex (TD Insurance) Auto Insurance Reviews

Our daughter has had Meloche Monnex auto and car insurance for over 14 years. Last week her car was rear-ended by a snow removal dump truck and the car was totalled, according to the insurance adjuster. Luckily, she had minor injuries and whiplash, but was transported by ambulance to the hospital from the accident on the advice of the police. As she was not there when the car was removed and the police were finished, she was not able to get a copy of the police report at the time and must wait 10-14 days for it. Meloche will pay for a rental car only for 1 week, and that means she has no transportation. They expect her to drive ~40 miles to their office to pick up papers and the miniscule check they are providing for the loss of her car. They are paying only about 45% of the book value and have not provided any proof tat the damage is actually more extensive than the value of the car. Absolutely the worst customer service I have ever heard of. Do not, under any circumstances, get a policy with this firm. I have made it my crusade to make sure everyone I know is aware of their treatment. Won't help our daughter with the expense of her new car, but maybe someone else. We never know just how good or bad our insurance providers are until we need to claim. This firm is really rock bottom on the list. keep away!

1 - Increase home insurance rates by 70%; I never had a claim in 15 years I was insured with them. I gave them a boot.
2 - My wife called them to report an individual that was writing her vehicle information to avoid a scam. They recorded as an at fault incident - with no recourse. Waiting to give them a big boot .
3 - My car; I gave them a booth.

My recommendation to this company is to hire real professionals to manage risks and stop looking for stupid excuses to hike prices and blatantly disrespecting customers.

Submitted an auto claim recently and they did absolutely everything in their power to not tell me what options and benefits I am entitled to. Adjuster didn't bother asking if we were all right, only replied yes no or i dont know to questions I asked and even went so far as to tell me not to bother submitting photos. Pretty sure all insurance companies are not much different but will be leaving TD asap.

After a 25 year clean driving record and over 10 years with this company I made the mistake of calling them to say that is backed into a post and wanted to know what my deductible would be and how it would affect my premiums. They could tell me only what my deductible was. They couldn't tell me how it would affect my premiums because that isn't calculated until renewal???? I say fine, I'll leave it and pay for the repairs myself. That's when she said that it would still show up on my record as an at fault accident. I went up the monkey chain a couple of levels and got the same canned reply. One supervisor thought that maybe the premiums wouldn't go up that much if I didn't complete the claim. This outfit is a ripoff. They suck you in with big alumni discounts and then jack up their prices yearly. Don't ever use them.

I was previously a Meloche Monnex customer for several years up until 2012, due to the "discount" offered by my university for the group policy. At the time, I thought it was a great thing, but the adage of "you get what you pay for is true". I submitted two claims through them where they decided I was "at fault" - one a driver who by his own admission was asleep at the wheel reversed his car into mine (so, I rear-ended him, apparently) and the second, where I was rear-ended by a taxi driver, and I apparently "backed my car into the taxi" while I was parked at the curb. With this second claim, the insurance adjustor, the taxi driver, and the witness were all of the same ethnicity, so naturally they would all share the same story.
Due to my experience I can say with confidence that TD practices and endorses discrimination and abuse of their position. Go anywhere else and you will have a better experience.

Basically a good company if you never get a claim

One you have a claim as I did for a stolen vehicle I got ripped off.

My truck on Christmas, 3 months later I got it back from insurance after months of trying to get a hold of people and people hanging up on me.

Bought my truck for $9000, got $3600 back from insurance all because my door handle was ripped off and ignition busted so therefore in their books its a write off

NEVER GET INSURANCE FROM TD!!!!

You get what you pay for

Was in a parked car with engine turned off. Other party smashed into the vehicle. Was apologetic and even wrote a sorry letter. Yet the insurance company took over one year to decide that it was 50 percent my fault for sitting in a vehicle without the engine on and legally parked and getting hit by someone to acknowledged responsibility. Would not pay for my deductible. Had to take them to small claims court for them to pay.

Cancelled my home, and three vehicle insurance at the next renewal and paid only a few bucks more for an insurance company with a reputation of paying when they need to.

If you are filing a claim with them read your rights on the FSCO website because they depend on your ignorance to deny you.

I have what I thought was a simple claim man backed into me in a parking lot, my car was off no issue right? Wrong this led to a claims proses that took almost two years to come to conclusion and led to them arbitrarily deciding that it was to be a 50/50 claim. I called them almost weekly looking for updates. My first adjuster called me only once and then went on maternity leave. The second adjuster I didn't even know existed until my third adjuster called to let me know she was handling it from now on. It went even more down hill from there, she was rude and quite short when on the phone. I received multiple promises of a "team leader" calling me one "the next 24 hours" which never happened. And after more then a year I get a call out the blue albeit only after I contacted the TD ombudsman letting me know they had to settle for only a 50/50 claim. I then told my adjuster this was 100% unacceptable and that if this accident went against my record I would leave TD meloche, her response was "that's fair" in a careless tone as if my buisness was worthless. So to sum it up: Never ever do business with TD Meloche they don't care about you at all!

I had an accident, in which I was not responsible. However, due to lack of support from TD insurance, I lost the case. They never sent any one to accident's location. The accident was in private parking, and police did not get involved. They just wasted time to lose the case. My adjustor never picked up the phone, and never called back even though I left messages so many times. It is not a fair situation for customers to be part of their dirty game.