Meloche Monnex (TD Insurance) Auto Insurance Reviews

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.

As an update to my previous review, we still haven't received a refund. This is over $700 owed to us, as they cancelled our policy out of nowhere despite being paid in full. Additionally, I am having trouble cancelling our home insurance. We went with this company because of the Western student discount. Considering that I am active with the graduate student society, I am going to warn students away from this company and suggest that we partner with different insurance providers.

Sonnet had us re-insured, without fuss, within an afternoon. I would recommend their customer service.

I was with TD Meloche Monnex for just over a year (house and auto). When I first signed with them I was happy as the rate was the lowest I could find. $205/mth for auto and $98 for house. I got my G licence within this year and expected my rate to decrease since I had no accidents, no tickets, no claims and I got my full G licence. I got my renewals in the mail and I was shocked to see that my auto had increased over $1000 a year. Auto insurance was now $294 and home insurance was hiked up to $118 per year. I called to find out why, thinking this could only be a mistake. The person on the phone told me there was no explanation except maybe all rates had gone up. She tried to keep me as a customer by telling me that if I had winter tires I would get a huge discount. Once she told me what the discount was (a measly $160 a year or something stupid) I laughed. They increased my auto insurance over a year, but would now give me a discount for having winter tires of $168. laughable. I shopped around and found another company that is charging less than when I first started with TD. I was told by one broker that a trick TD uses to get customers is to offer them a much lower rate at first but then on renewal, they increase it to make up for the lower premium they offered you at the beginning. Scammers!

I've been insured by TD Meloche Monnex for over 15 years. I shopped around for quotes before my renewal in August and found several lower rates. When I called TD to cancel my policy, I was redirected to their retentions service. The man there told me they don't match rates with other companies, but once TD's discount for snow tires is implemented my rate would be lower than the other quotes I got. He told that all I had to do was call back in January to get my rate adjusted. Given that, I decided it would just be easier to renew with TD.

It's now January and the snow tire discount has been implemented. I talked to another CSR and she says I need to wait till August to get the discounted rate. She admitted that what the man told me was wrong but she could not do anything about it due to "system limitations."

I was lied to and cheated by TD. I thought TD had more integrity than this but I was wrong. Beware what the CSRs tell you, once they have you locked into a contract, they won't give a damn about you.