Meloche Monnex (TD Insurance) Auto Insurance Reviews

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.

TD Insurance is saving me approximately $40 a month from my previous insurance company. I said yes to using the TD driving app on my phone although I really don't want it. I read that it uses a lot of battery and is almost impossible to get a good driving record using the app. You have to call TD to register for this app and get the code. I almost never have a lot of time during the day to sit for over 30-40 min on hold. As of right now I have called 4 times this week and am over 3 hours on hold and counting. My current call is 42:04 on hold and still no answer. This is really frustrating because it is to get a code for an app that does not function properly but want the possibility of lower insurance.

Even when I got a 24% discount TD raised premiums without any justification. The TD advantage app is a scam. Used app for a year, had a 95% trip rating and 24% projected and TD raised my insurance $160 per year so even with my 24% discount my premium did not change. They refuse to justify such a drastic increase. They want to look like you will get a huge discount for being a good driver but they are just raising rates. What crooks.

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!