Meloche Monnex (TD Insurance) Auto Insurance Reviews

After a 25 year clean driving record and over 10 years with this company I made the mistake of calling them to say that is backed into a post and wanted to know what my deductible would be and how it would affect my premiums. They could tell me only what my deductible was. They couldn't tell me how it would affect my premiums because that isn't calculated until renewal???? I say fine, I'll leave it and pay for the repairs myself. That's when she said that it would still show up on my record as an at fault accident. I went up the monkey chain a couple of levels and got the same canned reply. One supervisor thought that maybe the premiums wouldn't go up that much if I didn't complete the claim. This outfit is a ripoff. They suck you in with big alumni discounts and then jack up their prices yearly. Don't ever use them.

TD Meloche Monnex simply didn't take out my June premiums (via PAD), so I call and ask why (and try to pay of course), they said it was an error in their payment processor and that I would have to mail them a certified cheque or pay with a visa. I chose the visa method because it was simply easier. My insurance was $141 a month (also the amount owing) and they ended up taking $937 (in three separate payments) off my credit card. I was furious. Called back several times and got the run around (one call was 2hrs and 32mins no joke!). They said the money would be returned to my Visa in 3 days and when it got refunded to await a call from them with instructions on how to repay (weird?). 14 days later the money appears on my Visa. 14 days. I call in to square up my policy as I'm worried about possible cancellation they say don't worry we will take it out again. The day of my PAD (July) comes and goes and they don't take it out again! I've now made about 12 calls to them and decide its time to create a paper trail. I sent them a fax detailing what has happened, who I spoke with, the dates, everything. I still get no call back! HOWEVER... they send me a $25 Tim Hortons gift card via mail with an apology. Next day I get a registered letter saying my policy has been cancelled due to non-payment... say what?

I'm freaking out. I've done nothing wrong. I call in for an explanation, they say don't worry your policy is fine and to disregard the letter. I get another registered letter saying my renewal has been cancelled as my policy was terminated. I call back and they say I haven't had insurance since July 1st and to NOT DRIVE. I miss a few days of work cause of this, my financing company politely informs me that if my car isn't insured I must surrender the plates or face repossession. I call TD Meloche Monnex back and literally say "how much money do you want right now to fix this? I've done everything you've asked me to do..." They say there is nothing they can do and my policy has been cancelled due to non-payment. What!?

I call another company for a quote so that my car doesn't get repo'd and so I can go to work and live life (even though I've done everything TD asked). The new company says that they will gladly insure me (I've never been ticketed or even pulled over in 9 years of driving), however my abstract shows a cancellation from TD due to non payment. I call TD back they say I have to just "deal with it and to call another company..." (are you kidding me?)

This incorrect black mark on my abstract makes my new premium about $282 a month (from $141 a month) I am furious. I call a lawyer for advice, she sends a letter to cease and desist the incorrect report to my abstract and advises me to contact the Financial Services Commission of Ontario's official complaint officer listing for Meloche Monnex who is listed as: Sid Nightingale (at https://www5.fsco.gov.on.ca/Licensing/ComplaintsOfficerListing/eng/lede…)

If anyone else is having the same problems I highly suggest you follow the same action I took. The next day I visited a broker to help (and face this new false reality of being a high-risk driver, even though I've never even been pulled over) and he said the black mark on my abstract was "magically" removed overnight. Someone from TD was scheduled to call me also on this day and didn't. Sid called me back 2 days later and left a message saying he sent my complaint back into the "client services" department, even though the reason why I called him was because this had escalated so far.

I have a feeling they realized the mistake and just tried to cover it up (sweep it under the rug) without admitting any fault or apologizing. I am now with a broker paying $21 less a month and my abstract says that TD reported my policy as being cancelled by me and no trace of a non-payment black mark. Sounds fishy. I'm just thankful this mess is over.

If you value your time, money, and stress levels..... STAY AWAY FROM MELOCHE MONNEX. They are a complete and utter joke of a company. I was driving without insurance for a month without any notice of cancellation (even though they helped themselves to almost 6x the money from my Visa!). I crossed the US/Canada border 3 times in this period and drove about 700km. Imagine I got into an accident? Or my car stolen? I always think about this and it scares me. Thank god and GOODBYE TD MELOCHE MONNEX! They are right when they say your best insurance is a broker.. I had a new policy the next day and they didn't even ask for any money until next month! I will be mailing the TimCard back to TD :)

Called for a quote. Told them all info. I have two serious claims i was upfront with. She took my license number and says she sees those convictions and proceeds to tell me I am insurable, 100%. Kept in touch as I began looking for cars, and continued to get quotes and ok'd for insurance with TD. Finally found a car. Put a deposit and asked TD rep. to put the VIN and insurance in place. She says I am not insurable anymore because there are other things on my record. Was told by other reps. That the original rep. Did not look into the matter fully(even though she confirmed all the dates...so she obviously lied). Also was told they didnt have to look any further until the insurance was about to be purchased. They will do nothing. None of the reps will state they did anything wrong, even though I was misquoted on every single occasion until I was ready to pay for my insurance. Shady. Inaccurate. Inconsiderate. Dishonest. Bad business and no decency. Please, avoid this company and all others affiliated with it. They are not in the business of helping you. And they have all of their policies to back them up, so you will not win. Ever. At the risk of sounding redundant, please take your business elsewhere. This company does not deserve any hard-earned money. Leave them be. The other reviews can attest to this very same experience, in one form or another. Wish I would have read them before this. Let my experience not be regretful....please listen to this and all of the other reviews. Avoid TD Meloche Monnex.