Meloche Monnex (TD Insurance) Auto Insurance Reviews

TD is quite simply the worst provider I’ve had the misfortune to deal with. They are chronically understaffed, ill-trained, and spout lies to their clients like the rest of us breathe oxygen. After the Calgary hail storm, my claim was mishandled from the word go. My rental car was forgotten, the claim was shuffled from one buffoon to the next, and my vehicle couldn’t be kept track of to save my life. TD offered little more than vague excuses and non-committal rhetoric to avoid taking responsibility for their monumental failures during this entire process. The only reason I’m not cancelling my policy before it’s termination date is to avoid giving these clowns any more money after they failed to provide the service I’ve paid for thus far. If you have any sense, please learn from my mistake and avoid this company like the proverbial plague and take your needs somewhere else. I pity the poor person who has to deal with this den of crooks and liars.

I’ll start off with what seems to be the common trend, and that is the wait times are extremely long. I’ve been waiting for 2 hours and 20 minutes so far, but typically I’ve waited for an hour. So this is a record. Is there anyone working? They need to hire more people if everyone is really busy. And like others have said, they should tell you what number you are in the queue and call you back when it’s your turn like phone companies do. However, the real reason why I am posting this is because of the unprofessional customer service I have had with the adjusters for my claim. I was in a car accident earlier this year. My adjuster called me and left me a voicemail at 1 pm while I was at work (they have a record of your profession by the way so why would she call me during the way when I’m working?). I tried calling her back and left several voicemails and tried calling the claims department to which said “she’s been trying to get a hold of you. She called you on Monday.” She called me Once. I kept calling for 3 Weeks and when I tried emailing her to ask what’s the current status of my claim, she said “I don’t have info on your policy. You have to contact customer service.” That was completely irrelevant! I was even referred to her supervisor, who was just as impossible to get a hold of. Fortunately, after many calls, during the fourth week after my accident, I got through to a girl in the claims department who was so much help and filed my paperwork, who, by the way, was talking to me from Nova Scotia while I was in Ontario. Towards the end of my claim, my first adjuster finally emailed me to send her my documents, after 4 weeks. Sadly, just as I thought the nightmare was over, something else came up. I had used a rental car after my accident for one month since my car was a write-off and it was included in my insurance policy. I returned the car after and thought everything was fine. Last month, I got a notification that over $1400 has been withdrawn from my Visa. It was taken from the car rental company. I immediately called them after work and get through to a lady in accounting service. She tells me that she had been trying to get a hold of my adjuster from the insurance company and her manager because They Did Not pay the Rental Car... She emailed them saying that if they didn’t pay, she was going to have to take it out from My account and I’d have to deal with the issue. My accident was in January, and I had the accident until the end of February, so for 4 Months, TD Meloche did not pay the rental car company, and now I have to deal with it and wait on the phone to get a money transfer. And by the way, I’m still waiting for my licence plate to get released from the car dump (I did not get to remove it). This is another issue that I get to deal with. I’ve been waiting for 3 hours now since I started writing this review. The only reason I’m still with TD Meloche is because of their low rates and their insurance packages.

Was in a no-fault claim. Car wrote off because they valued car incorrectly comparing to the wrong vehicle. After three days told to return rental per 'my' policy, even though other insurance covered it. No car for months, as a result, lost a job, missed mortgage payment, no access to the grocery store as live 35 minutes from town. 2 months isolated without transportation. TD would not advocate for me or cover me and this was after 30 years of paying into car insurance with no claims.

I will NEVER get insurance from them again!! Every time I call, I’m waiting minimum an hour. I’ve had to call MANY times for a rental car that I was told “will be covered until the claim is done”, the rental company was calling every day asking if I was bringing it back. I was charged for another month of insurance and I don’t even have a vehicle anymore due to the accident. Not at all organized and very unprofessional. They need to get their act together.

My car was involved in a not at fault accident on a Saturday around mid October so I called TD on the Monday to report it.........No one got back to me till Thursday (no biggie) but, this adjuster was simply terrible. After he initiated first contact, that was it. I was the one that had to chase him around and call and leave messages like 4 times a day to get any sort of update. He wouldn't call me and tell me what was going on. My car ended up being a total loss and was written off and scheduled for their salvage company to come pic it up. Again I had to call to find this out. It was actually the salvage company that contacted me to tell me they were coming to get my car (I was like huh???), no word from my adjuster. Then he goes on holiday but leaves to forwarding number. so for 2 weeks I was getting transferred around and getting "you have to talk to your adjuster" at the end of it all. I was able to get a rental around Halloween time however.Then I call in again to settle everything and by chance I talk to an adjuster who was nothing short of spectacular. What I have been trying to get done with my useless adjuster for a couple of weeks she was able to complete in a few minutes. My checks where issued out (I got 2, towing and car write off). I had to return the rental however on November 9th. Now enters a new phase of the war. All of this was settle with the wonderful random adjuster on November 5th, now my useless adjuster comes back from holiday. I could go on and on but long story short. Today is November 23 and even tho my write off check was issued on the 5th (18 days prior) I still have not received it and I get a different story every time. Most frequently they tell me that its still in the mail........I got the towing check on the 9th. How can two cheques issued the same day be so far delayed. In total since all this started I have been without a car for about a month. On top of it all the customer service was horrendous, I lack the capability to literate into words how bad this experience has been ......And here I thought this is the exactly reason we pay insurance. To be insured when these situations arise......Thank you TD. I don't care how much more expensive my next insurer is, as long as they are in no way connected to TD I will be happy

After paying for rental these scammers won’t give you a rental and when getting insurance they will ask if you want rental. I don’t care if I’m at fault and you refuse my claim. I am entitled to a rental because I’m paying my money. When it’s time to withdraw my money every month I don’t call and ask you’ll to loan me the money I pay my hard earn money... it’s high time something be done about those scammers. Only insurance who will have a claim in for months. And only calls at night and always in a hurry you can tell a lot by these scammers

Worst customer service ever, no one on his desk and always leaving useless voicemails, by the end, nobody will call you back. Three adjustors were working on the same claim at the same time, which makes it confusing who to deal with. They are just bad and have internal communication issues with their managers, so they will let you waiting for long till they will reach their supervisors to resolve claim's issues. They asked to return the rental car before closing the claim and before getting the car refund, I did so because I wanted to get rid of them and the claim asap but it still not fair.