Meloche Monnex (TD Insurance) Auto Insurance Reviews

Claim 1. Auto repair - authorized (and recommended repair shop) made multiple errors in repair. I had to go back 3 times, no support from TDMM. Claim 2. Auto repair - adjuster delayed, and then disappeared. 4 calls to customer service (45-75min hold time per call), over a 4week period, to find out adjuster left the company and no one else was assigned. By now, 1 year had expired and they would no longer fulfill the claim. Claim 3. Home Insurance. Concerns that TDMM may have changed my policy without approval. Called 4 times (with lengthy wait times) over 2 months to get more info - was told a manager would call me back with details. No call received. Finally, I called back a 5th time and got a supervisor on the phone. Claim still in process, Regardless of the outcome, will be leaving TDMM this fall. They exemplify the stereotypical insurance company with processes designed to decrease their financial obligations.

I had a claim that I called and cancelled as I found a more cost-effective alternative elsewhere. It was with utter shock I received an mail nearly 2 years later stating I owed over $700 in unpaid insurance. All my attempts to reason with TD fell on deaf ears. I provided documents showing I had active insurance elsewhere and even went as far as contacting my phone provider to get records of prior conversations I had. I wrote TD multiple times with no success. This has left me with rising deductibles with my current insurance. It truly is pathetic that companies will do anything to reap people of hard-earned income. I will do everything in my power to dissuade anyone thinking of doing business with TD to think twice, the experience is just not worth your hassle

I sent in an appraisal that they say they "needed". I followed up a week later and they said they have to review it and get back to me and that I shouldn't expect them to accept the full amount of my appraisal... So what is the point of getting an appraisal if they won't even honour it? On top of it all, my average wait time is 45 - 60 mins to get through to them. I will be spending my afternoon shopping for a better company, this company is a joke!

Had a claim in April with no deductible. Got a call in September that they want to collect 450$ deductible, asked why what happened they said that I must pay it like it or not. I asked the manager but I was told that I won't have a deductible and she didn't care and said if I don't pay it that they will send it to collections. That is the service you will get if you sign car/home insurance with them. STAY AWAY!

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?

Normal to wait 1.5 hours for a representative. TD is also in breach of following their own complaint handling process. Awaiting TD Customer Care to respond back after THREE MONTHS of waiting. Attempted numerous calls/emails to no avail. TD Ombudsman will not participate in escalation until TD Customer Care responds, so therefore TD is able to BLOCK the complaint process. I am going to continue to fight this horrendous insurance provide. Also, the TD MyAdvantage application, which they will sell you on to provide an up to 25% discount on auto rates is non-functional. Good luck trying to get it to work for you. Take my word for it: AVOID AT ALL COSTS. Go with another provider, even if it means paying slightly more.

I have auto and home insurance with TD. My husband called recently to add his car - he was placed on hold for over 1 hour. He had to end the call only to later be put back on hold for another 1 hour. I've reached out to TD online and they've not been helpful - just trite statements about "higher than normal call volumes." I do not think they value customers at all. I see that others have had similar experiences. I had to make an auto claim 5 years ago, and they were not helpful. They did not cover the full cost of a rental car after a car accident. I ended up paying $2000 out of pocket. This, along with my recent experiences with TD, makes me think it's time to consider other companies. I have another property insured by a different company and have been very happy with them. I will look into quotes with other companies when it's renewal time with TD and move on. If you are considering TD Insurance, I suggest you look into other options instead.

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.