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Meloche Monnex (TD Insurance) Auto Insurance Reviews

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(408 reviews)
Meloche Monnex (TD Insurance)
1.6 out of 5 stars:
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Mixed Experience

by Robb Powell on Jul 10, 2018
3.5 out of 5 stars

I agree with the comments about slow telephone service. But, my encounters have generally been positive over the past 15 years. Except...for their changing the terms of my house insurance without clear, unambiguous notice. Read your documents.

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Terrible

by Edmonton gal on Jul 6, 2018
1 out of 5 stars

Was in a no-fault claim. Car wrote off because they valued car incorrectly comparing to the wrong vehicle. After three days told to return rental per 'my' policy, even though other insurance covered it. No car for months, as a result, lost a job, missed mortgage payment, no access to the grocery store as live 35 minutes from town. 2 months isolated without transportation. TD would not advocate for me or cover me and this was after 30 years of paying into car insurance with no claims.

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Profits before people

by People Helping People on May 3, 2018
1.5 out of 5 stars

I just cancelled my insurance today after being with TD for 2 years. They charged me exactly $375.68 for 11 days of coverage when my monthly payments were only $267.84. I never made one claim, I have a clean driving record with no traffic tickets and my only downfall is living in Brampton. I found a cheaper rate with better coverage from Desjardins Insurance. TD has no loyalty and they are competitive only in your first year, so you're better off switching after your year is up. Talking to the service agents on the phone and asking how $375 for 11 days was hilarious... Insurance companies are a scam unless you make a claim or for those that choose to scam them first. If you have a clean record and find a better price somewhere else - be prepared to get stiff-armed by a company that is purely "profits before people".

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Did you know that on average Ontario drivers with good driving records pay $1,805/year in auto insurance? Is your insurance rate higher? Get a free car insurance quote and start saving today.

No advantage for MyAdvantage

by Reviewer on Apr 14, 2018
1.5 out of 5 stars

I have been with TD Insurance for over 30 years. The drive habit TD My Advantage requires is way beyond what normal rule-abiding drivers would do, even observing the speed limit 100% of the time and turning corners accelerate and decelerate carefully. What is more horrible is that you lose data for no apparent reason. I recently received an email from TD telling me I had not been using my app for a while. But we use the car about 2-3 trips every week! We have 2 drivers and each is required to drive 1000 KM before qualifying. At this rate of losing data, they can easily disqualify us, after we drive as if there was a sword over our heads, scared to be penalized. I have driven for 6 months and I did not know how many KMs I had driven until I was told the accumulated mileage was only 123 KM! What?! I had one trip that exceeded 123 KM alone! But what can you do? The app does NOT even give you the total mileage driven! You are basically putting blind faith on this app and hoping a fair recording. WRONG. I have seen nothing fair so far! The app won't even tell you how many accumulated mileage you have. You have to call in to check! So basically, it's their words vs no words. Then the data saved on my cell phone failed to upload (even though it shows clearly on my cellphone and we have not changed any setting). We had to reinstall the program losing yet another 6 days of mileage, still not sure downloading actually solved the problem! (Until we check in). Good Grief! To be fair, you do receive a 5% discount signing up for the My Advantage program. Expect little more than the 5% you get. Don't let the app discount notes fool you! You won't get it. The anxiety and unhappiness this program brings to our family are making us lose trust in the program and the TD Insurance company.

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A Good Experience

by shwangca on Jan 26, 2018
4.5 out of 5 stars

It has been a good experience with TD Meloche Monnex. The claim line was picked up quickly and the lady was sympathetic and helpful. She booked the body shop / appraisal right away, and arranged the car rental immediately.
When I wanted to switch to a different body shop, the appraiser came right away and all the paper work was provided to me and my mechanic with an hour. The appraiser is knowledgeable, friendly and really efficient.
Only it is a bit hard to reach the adjuster at the first couple of days. I presume it is the time needed for the adjuster to do the investigation. Once the conclusion is made, everything moves really fast.
I have been with this company for 18 years and I am satisfied with their service.

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Cancelling insurance

by Kelsea B. on Jul 18, 2017
1.5 out of 5 stars

We had insurance with this company for 2 years. We had no issues in our 2 years with them, they were awesome when we moved to BC....until we cancelled our policy to obtain insurance in BC.

We called to cancel. They never told us of any additional costs or final balances, I actually have a letter from them stating that there were no additional amounts owing. We left it and went on our way.

3 months down the road we get a letter from a collection agency saying our account has been assigned to them for an owing of $274.
They never once tried to get a hold of us by phone, by letter, by email.... anything to inform is of this money owing. To say we were blindsided is an understatement. We called numerous times and was refused answers on WHY we owe this amount. Asked the manager for a copy of a statement of what the owing was for. No one would do anything and told us to deal with the collection agency.

I would never use them again and I sure as heck wouldn't suggest them to anyone I know.

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If you have a good driving record in AB, you should pay around $110/month (women - $105/month and men - $113/month). Do you overpay? Get an Alberta car insurance quote to start saving.

Worst claim process ever

by Baffled on Apr 25, 2017
1 out of 5 stars

The vehicle was recovered by Calgary police when they arrested the perp driving the vehicle and charged with theft under 5,000. The vehicle was impounded where it seemed to have been forgotten by the insurance company.

It took a year of constant calls and emails to the insurance adjustors. Adjustor finally paid 3,100 for the vehicle even though I had bought that vehicle for $4500 just weeks prior to theft and had provided pictures showing the condition of the vehicle. Their first offer was $2600. During the one year to settle this claim they paid $15,000 in storage and towing. If this was my only vehicle, how would I have gotten to work or lived?

Unfortunately this review won't accept zero stars therefore I had to rate them a one.

Interestingly the Insurance Ombudsman indicated that they were trying to push the claim past one year so they would not have to pay it.

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(lackof) TD Problem Resolution

by DissatisfiedTDClient on Mar 2, 2017
1 out of 5 stars

My accident occurred on December 2nd, 2016. There were issues with my vehicle once repairs were complete at the beginning of January. I have made several attempts to contact my claims adjuster, along with his colleague since January 5th, 2017. I have not received any responses from either individual.

Then, I receive a generic 'Closing Notice' in the mail dated January 30, 2017.

I attempted to present my problem to a manager on two separate occasions (February 24th and February 28th). In both instances, Claims Advisors assured me that a supervisor/manager will be in contact with me within 48 hours. No one has contacted me in either instance following the 48 hours.

I contacted the automobile claims department once again and spoke with a Senior Claims Advisor. She looked into my file and advised that the manager assigned to my claim, could no longer be reached.

My problem remains unresolved.

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Inhumane and bad experience

by Upset and frustrated on Feb 22, 2017
1 out of 5 stars

My ex-husband and I separated and I called TD telling them my new address and that if he made any changes to the auto insurance, to let me know. I was driving the car at the time. I found that my ex husband called and cancelled the policy over the phone and the cancellation letter was sent to his friend's address which was not on file. I called TD by chance and they apologized that they have in fact gone ahead and cancelled it because my ex husband said he sold the car. I had to send them the car registration with my name and tell them again that I had the car. They said that they would have covered me in the event of an accident if I had been driving without knowledge of my cancelled policy but they won't cover me now since I'm aware. I told them to mail me the cancellation letter but they haven't done so over a month. They can't tell me who they mailed it to and any details of conversation they had with my ex-husband even though they established that he was lying and endangered me and our 1year old child because of driving without insurance. Such a headache dealing with them. They don't answer my calls anymore. I m not going back to them.

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Bad driving record? Your insurance rates can be double the standard insurance rate. Let us help you get the better auto insurance rate without breaking the bank.

best insurance company

by helen C on Jan 16, 2017
5 out of 5 stars

From customer service to claims and adjusting they are very friendly and helpful. I have been with them for over 12 years and I must say that they are the most caring insurance company. If you are in a car accident, they make sure you are OK right away. Your well-being is their first concern. The premiums are the lowest I have been quoted. Their service is the best. They listen to you and answer all your questions. They had a rental vehicle ready for me and offered to drop it off at my home if I wanted. When someone drove into my van, after giving the report to the police officer and reporting the incident to the insurance service agent, I started crying uncontrollably. I guess I was in shock. The insurance agent got me to relax and had an emergency personnel come help me right away. I will stay with Meloche Monnex for a very long time. You do need a post-secondary education to be insured a with them but it is worth it. My daughter is also insured with them for over 8 years now and loves them as well. Meloche Monnex is the best.

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