Meloche Monnex (TD Insurance) Auto Insurance Reviews

I have been a long time TD insurance customer and these guys have relished in my laziness to compare...They have been pillaging my funds for years. I finally got sick of poor service and increased fees, year and year. I have pulled everything from them and saved over $1,600 a year. I have been a claims-free client as well... Take the time and shop, stay away from TD!! Insult to injury they were giving me a discount...

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.

First of all, the three times that I had to contact them, it took me at least 1 hour and 15 min waiting on the line. Second, when I signed my first-year insurance with TD they said I could download the My TD Advantage app to receive up to 25% if I have at least 1000km and a minimum of 90 days usage. I did it and I called them right away to obtain my 22% discount (as the app was displaying). At that time they told me that the discount would come only on the renewal and I would have to use the app for more than 9 months. I did it!! When I called them to renewal they mentioned that my premium was exactly the same amount as the previous year (actually the difference was one dollar). Then I asked about the app discount, they said they had already accounted for the 20% discount from the app usage and the reason was that the insurance actually increased 20% from the previous year to the current year. I did not like the answer, so I went online to price my insurance on TD online tool, I added all my information (age, years of license, the street that I live), all the same, but using another name... The online tool gave me the same rate that they said I would have to pay with the app discount. I am not gonna change the system or fight with them, I changed my insurance to another company for better pricing and I will never do TD again. My advice is DO NOT BELIEVE IN TD DISCOUNT APP TO OBTAIN DISCOUNTS FOR THE NEXT YEAR. It is fake!

They have been fooling me to use the app and now they're saying they don't see the data so can't apply the discount, I wish I didn't renew it. I would have got better rates. No tickets/no accidents, 22% of the app gone.

Normal to wait 1.5 hours for a representative. TD is also in breach of following their own complaint handling process. Awaiting TD Customer Care to respond back after THREE MONTHS of waiting. Attempted numerous calls/emails to no avail. TD Ombudsman will not participate in escalation until TD Customer Care responds, so therefore TD is able to BLOCK the complaint process. I am going to continue to fight this horrendous insurance provide. Also, the TD MyAdvantage application, which they will sell you on to provide an up to 25% discount on auto rates is non-functional. Good luck trying to get it to work for you. Take my word for it: AVOID AT ALL COSTS. Go with another provider, even if it means paying slightly more.

TD insurance is the biggest liar in Toronto. Stay away from them if possible. They can constantly increase your quote and charge extra when activating/setting up your account. I have to stuck with them for a year, and won't stay with them afterward. PLEASE PAY ATTENTION TO YOUR BILL , ESPECIALLY FOR NEW CUSTOMERS USING TD ADVANTAGE APP. THEY WILL CHARGE EXTRA AND STEAL YOUR MONEY. We just relocated to Toronto a month ago, and shopped around for auto insurance. It seemed that TD insurance can provide us the reasonable rate so far since we had been staying with TD insurance for a few years outside Ontario and have a clean driving record. So we asked them to send a hard copy of the quote. When the mail arrived, the quote was around $150 higher than the one we quoted on the phone. So I called back, one of the agents told me that her co-worker made a mistake on our previous quote (lower rate). Excuse me! I said I thought your guys are professionals and asked to talk with her supervisor. The agent asked me to hold on, it turned out that she hanged out my phone. She was so rude that I tried to complain about what happened to me with their supervisor's phone line on their website. Nobody answered my phone and asked to leave a voice message. I did, there was no response from them since it has been almost a month. I kept shopping around because of TD insurance unreliability, their quote (the higher one) was still the reasonable one we can get, because we can get some group discount. For the sake of money, I went back and called them to activate our account early in the morning. Since unpleasant experience on quote, I double checked our premium, coverage (including download TD advantage App for 5% discount) before activating. So I preferred the payment by credit card, which is the only option for full payment. And I asked the agent repeated how much he will charge on credit card. The amount of payment was the exact number as the higher rate. So I gave him my husband's credit card information. It's done. And I asked him to send a temporary insurance file to us. Due to the post office being on strike, we need to get our car registration and switch licence plate in a week. I still didn't trust them, when my husband got off from work and called them in the evening to check how much they charge from credit card. Okay, it's the same amount as the quote. To our surprise, I got the official document of Auto insurance this afternoon, they charged us more than $100. So I was so confused that I called them to ask what is going on. It took a while for an agent to figure out the problem. They didn't give us a 5% discount when we downloaded TD advantage App. Jesus Christ! We agreed with using this App. They even sent us an email and asked us to download App with PIN. What's wrong with these people? If you don't provide us the discount, why did you ask us to download the App? They thought we didn't know the amount they charged extra. Unfortunately, I kept every record from them, it can be traceable. I read so many bad reviews about this App, I gave up on this App. I don't want to install it or have any issue with them. So be it.

I have had no claims no tickets I even went along with their TD my Advantage app, and scored great on it. When my renewal for the first year came up, even though I had enough KM and enough length of time using the app, the discount wasn't applied as they changed the conditions of when to qualify. I continued to use the app for a full year after, surprise: I now qualify for the discount. With my great driving scores and having no accidents or tickets (nothing), they have decided that the risk has increased for an unknown reason and they basically increased my premium so that after the discount I ended up at the same previous insurance premium. Now I am stuck with the app because if I cancel the app, I will have a much higher premium than what I always had in the previous years. I realized how stupid I was when I believed their lies. Don't install the app, it's a trap and you won't be able to get out of it.

Terrible Customer Service, very long wait time. Also, I had TD MyAdvantage app on my phone for more than a year and drove a lot more than 1000 km, which is the min requirement, but after a year they did not give me my 22% discount, which shows on my app. They told me that I have not driven 1000 km, which I did. The app simply works if you have a certain setting set on your phone, otherwise won't work properly and will not record all your trips.

I had no accident and no claims for the past 15 years and they jacked up the premium by 15% without valid reasons. They asked me to use the application that should give me some discount, but it was all scam at the end. I am terminating the plan. Terrible experience.

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.