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!

The second day of waiting on hold for over 2 hours! I have 3 young kids and cannot dedicate this amount of time to try and speak to someone about a simple coverage question. I will be changing companies as soon as possible. I recommend to take your insurance search elsewhere.

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.

Spoke with 2 agents. Spent 2 hours with 1st agent setting up the new purchase, and the agent confirmed policy was in place, and provide temporary card through email. Then the agent said she was having some computer trouble and would have to call me back the same day. Never heard from her!! After 1 week, I logged into my account, and to my horror, all the addition that happened ago was all deleted. i.e. no more coverage for my new vehicle. Called 2nd agent after 1 week, and was told that she was not sure why everything was deleted. Then, went through all the questions etc. again. Waste of time. After my vehicle was done, I wanted to update my property insurance but was told by the 2nd agent they are closed, and she PROMISED she would call me back the next day around noon. Next day, I did not get a call from her until almost 5:30 pm, which I was not able to take the call due to the evening commitment. Her reason was she was tied up the whole day. All agents are irresponsible and unreliable! Looking to change insurance company now. Their staff needs proper training!

We have had our auto and home insurance with this company for 25 years. I just called to add our teenage son (new driver) to our plan. I was expecting our premium to go up but was surprised to learn that they will not insure new drivers under any circumstances. I will be cancelling our policies immediately, due to this elitist and discriminatory policy.

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.

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.

1. When I replied to the email that I got the Insurance confirmation from asking to change something, I never got any reply! The confirmation was only a table including the basic information only in their own terminology and did not have any clarification of anything in detail on top of that it had wrong information about the lessee! 2. When I later called and asked to send me a copy of the terms and conditions or the contract that I am signing in order to commit financially, I was told that the system doesn’t do that and that I have to accept everything we talked about verbally and I should not see what is excluded in the contract and on top of that if I cancel, mid-term or even when the mail comes to see the contract, I will be paying one month cancellation fee and the agents didn’t care about anything and he said he’ll be happy helping me cancel right now before the policy starts. I have asked for a manager and the manager just simply repeated what he said and then told me this is the rule here, it’s only a verbal quotation, this is how things work in this company! This is neither ethical nor professional. I am very disappointed with a big company like this behaving in such a bad scammy way!!

I have had no claims no tickets I even went along with their TD my Advantage app, and scored great on it. When my renewal for the first year came up, even though I had enough KM and enough length of time using the app, the discount wasn't applied as they changed the conditions of when to qualify. I continued to use the app for a full year after, surprise: I now qualify for the discount. With my great driving scores and having no accidents or tickets (nothing), they have decided that the risk has increased for an unknown reason and they basically increased my premium so that after the discount I ended up at the same previous insurance premium. Now I am stuck with the app because if I cancel the app, I will have a much higher premium than what I always had in the previous years. I realized how stupid I was when I believed their lies. Don't install the app, it's a trap and you won't be able to get out of it.

I had 2 cars insured by this company, one of them is 1997, and when I insured them, they said everything covered but now my car got stolen, they said they can’t do anything about it. Because it doesn’t cover an old car, I had to get additional extra coverage for the old car. ( The thing is I had to tell them to give me extra coverage, not knowing if things like that existed.) It is stupid that they don’t let you know that. When things like this happen, you don’t know what to do about it. For this company, make sure what is covered and what is not