Meloche Monnex (TD Insurance) Auto Insurance Reviews

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".

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.

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.

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.

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.

So TD Insurance after ripping us off for more than 12 years, and increasing their premium, their last tactic if you want to add another car to your policy, you need to provide a registration before they give you insurance.
How stupid is that I don't know, I guess TD insurance want to walk away from every client who lives in the North East, or Airdrie, because all the hail storm that happening in this area.
Advice for everyone if you are with any of the TD insurance companies, call another insurance provider, and you will be amazed how much you will be saving.
If you have any bad experience with TD Insurance, please share so we all know we need to expose them, personally, I was able to find out few unbelievable stories who bad they are, rejecting hail damage claim, and so on.
Took me 15 years to figure out TD Insurance is suck.

I have had one of the worst customer service experiences I have ever encountered while trying to do a simple hail claim with TD. I was parked at the Calgary airport over the Aug long weekend, and while I was away, we got a hail storm. When I returned to find my poor car dinged up from hail, I called to make a claim (the first time I've ever done so in my life).

I didn't hear anything back for the first couple of weeks, so I called them back and got a name of my adjuster. I called AND emailed this person. Still didn't hear back, so I called the claims line again only to be told they had changed my adviser to someone else. I called and emailed this person, and after another week I did hear back, and was scheduled in for an assessment on Sept 9 (everyone else I knew with hail damage had their cars fixed, or pay-outs made before I even got to speak with someone!).

The estimate place said someone from TD would be in touch in the next few days to go over the estimate and claim with me. Another week went by and I hadn't heard anything, so I called and emailed the adjuster who had made the appointment. When again I didn't hear back, I had decided that I wanted to speak with a manager. I called the claims line, and they told me that AGAIN I had been re-assigned to a different adjuster (that's 3 now if you're counting).

I said I wanted to talk to a manager. They are not in the same building as the adjusters, so the person on the phone didn't think they could help, but I asked them to transfer me to the receptionist at the correct office and I would ask them to physically go find someone that would actually talk to me and tell me what was going on. I finally got a manager, Moe, who apologized, and offered to take over my case and get it sorted out.

While I was on the phone with him, this 3rd adjuster person called me (we are now well over a month since I made the claim, and that was the FIRST call I received from anyone at TD). Moe was moderately helpful and at least gave me some information on how to move forward. I then emailed him today to follow up on my decisions for the claim (this time the delay was on me as I wanted to research and ensure I was making the best decision), and soon after received a phone call from someone else who said Moe had asked to take over my account (person #5 now).

I HATE to think what this would have been like if I had been in a serious accident and not just hail damage. I really hope someone from TD actually reads this and does something about the horrible service that I have to assume other people are also receiving. I have been a TD customer of some sort since I was 10 years old, and am truly shocked and appalled at how bad this experience of submitting a simple hail claim has been. I am a manager for a company that promotes good customer service, and if any of our customers went through what I have been going through this past couple of months, there would be a lot of people looking for new jobs...

On the positive side, as I don't like to write negative reviews, the people on the customer service side who take your money, are quite helpful and lovely to deal with... go figure.

As insurance companies work mostly over he phone, the lack of transparency, follow up, communications and integrity is sorely lacking at Meloche Monnex. I was a customer for over two years and paid $120 monthly, I was told that I had the comprehensive coverage yet this month for He first time I called about two small items, my windshield that has stone chips from the highway and a scratch from someone vandalizing my car by keying the side of the body. After numerous transfers, voicemails, promises of managers calling back and wrong as well as conflicting information being provided every time I call- I decided to cancel my insurance policy with TD. They do not care about the customer at all. They did not acknowledge their error whatsoever. They stuck to the script and each person would repeat that I was sent insurance policy by mail and henceforth it was my fault all along. It doesn't matter to them that they have made a mistake and that they should at the very least apologize and try to retain the customer. They have completely alienated and upset me because they are thieves. TD should be sued for their business practices.

My ex-wife and I shared a Home-Auto Insurance. So when we separated and changed our addresses I called and they told me I had to cancel my policy, and that my wife had to call to approve it. She did but they just cancelled the auto portion of my insurance. They didn't cancel the home insurance and of course they continued charging me for it.

They never mentioned that I was subject to cancellation fees and the last operator I chat with told me that I would be penalized with a small portion because of cancellation fees. That small portion represents a 70% of my monthly payment. How in the world a 70% is a small portion???

Moreover, they will refund an extra payment they charged me in 2-3 business weeks? So they screwed me up in every way they could.

Stay away from this robbers!!!!