Meloche Monnex (TD Insurance) Auto Insurance Reviews

Let me start by saying that I waited 30 minutes to actually talk to a customer representative (who doesn't have call back service these days). The TD representative I spoke to was impatient, rude and didn't make a modicum of effort to help me out with an issue so minor that it required her to pretend to be polite for 5 minutes. Maybe she had a bad client before me but please don't spread your filth to your other clients. This isn't the first time I have received bad customer service from them. I have no trust TD Meloche Monex because who's to say i will receive any better service when I actually require to make a claim. They are very persistent in taking your money and its a one way street with no benefits. My suggestion would be to look elsewhere for an insurance provider !!

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

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!

It used to be fine, but now I'm stuck not being able to make changes to my existing auto and home policies. I keep dialling and waiting for 30-90 min, but no one picks up the phone. I went online and filled a request, and it was promised to be processed within 2 business days, but it has been a week, and still, nothing happened. My next step will be to file a complaint and reach out to the ombudsman. If that doesn't help, I will attempt to sue in small claims. Obviously, I am going to cancel my policies with TD Meloche Monnex at this point.

Nothing was harder in life than getting a hold of my adjuster. Resolving my fairly simple claim took 3 months. Not only did she never pick up, reply to her voicemails and read her emails, but she would also take weeks at a time to follow up. And, when she would be completely oblivious to how much I've been struggling to try to get her attention and taking Ubers every day from work. When she went on vacation and there was no replacement for her to take care of my claim. Her manager never ever picks up or replies to his voicemails either. Before she left for vacation she didn't tell me that I had the option of not writing off my car which is not fair and pressured me to sign a write off form in 3 hours as she's on vacation the next day for a month. I could have lost a brand new car because of an unfair estimate and she acted completely non-challenge about that. Whenever I'd call other adjusters, while she's away, they give me completely different answers to the same questions. When I called Service they forgot to tell me I'd lose collision coverage even though I asked and asked. This resulted in my having to pay off my loan after I've also had to pay out of pocket to fix the car as a result of them not explaining to me that I wouldn't be getting the cheque and instead the cheque goes directly to my lienholder. Took me maybe 5 phone calls to change my address on file. After, they finally started giving me answers they had the audacity to ask for a letter from my bank, that the bank said was highly unusual. This is also after they already confirmed, they were mailing out the cheque ... This experience was so horribly inexplicably bad that it could drive someone to insanity and alcoholism. Stay away from these people.

First of all...stay far away from this company! We had a small accident a few weeks ago that caused minor surface damage to the rear of our vehicle. We got our own repair estimate for $2500. We took it to their guys so that we could file our claim. We waited over THREE WEEKS for them to get back to us after numerous follow-ups, only to find out work hadn't even started on our vehicle. The repair shop blamed the insurance company for not sending paperwork, and TD Meloche blamed the repair shop for being backed-up with work. We, finally, escalated it to a manager. Got a call back the next day to tell us that the vehicle was considered a write-off. We're still waiting to find out our settlement offer, apparently, there is no one we can speak to on it, and we just have to keep waiting for some indefinite time. We bought our vehicle just three years ago for $11K. And they're writing it off for approx. $3k of damage? Why even have insurance if they can just choose to write it off for whatever they want and not repair it when you file a claim. This has been a complete nightmare I wouldn't wish to anyone. Oh...and we had no rental vehicle coverage on our policy, so all this time have been down a vehicle which I understand was our choice not to take it. But you also don't expect an insurance company to take three weeks just to START processing your claim. I tried to ask for a rental vehicle at this point but of course, the answer was no.

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.