Meloche Monnex (TD Insurance) Auto Insurance Reviews

I can't imagine a worst customer service in my life. Claiming there is just a disastress experience. The last claim I made, I decided to pay the repair of my car from my own pocket and not waiting for their lack of sympathy to the customers like me after at least fifteen years of regular fidelity. Stay away !!

Rude, unprofessional employees who never return phone calls or emails. An insurance adjuster working in Alberta refers the car to a Collision Autobody all the way out in Oakville. My 90-year-old relative lives in Mississauga... DO NOT RECOMMEND IT. Talk about privacy laws but do not provide any flexibility or any solutions when my 90-year-old relative was involved in a car accident and has not been provided with a car rental. He does not own a computer you silly people and is computer illiterate!! What do you not understand? Giving my 90-year-old relative the run-around and treating him like an OLD SHOE...This insurance company owned by TD Canada Trust should be ashamed of itself for abusing and bullying elderly customers... RUN AWAY as fast as possible. TD Canada Trust is a horrible Bank and the insurance division is WORSE!!

After my car accident TD provided excellent customer service, I was very impressed. However, after my claim was closed and I learned I needed to replace the car seat in my car and that TD would pay for it, it was painful trying to get a hold of my representative. She would either not answer my emails or take forever to get back to me. Customers shouldn’t have to chase down their representatives and hound them for answers via email and/or phone. My experience started great and ended with disappointment. Still, haven’t received payment for the new car seat either!

I’ve been with TD Meloche Monnex for almost twenty years and I’ve never made a claim or had a claim against me. Recently, my parked car was hit by a drunken driver; thankfully, two local people dragged him out of the truck and held him until the police arrived. I had a letter from TD saying that I had zero deductible and so they’d be happy to pay for the repairs. They were super friendly in the beginning but then I was told my 1998 car wasn’t worth fixing and they’d give me $1000. I reminded them of the letter and I was told “that was then, this is now” and that it was a matter of wording. I’m still in the process of talking to other people but I’m told they will say the same thing - even before I’ve had a chance to talk to them. Earlier, I left for the winter and on my return, I replaced my insurance. “Do you want the windshield coverage to continue?” I’ve never had this coverage. I was told the agent must have hit the wrong key; there was no mention of a refund. Like others, I’ve also been told I can get much cheaper coverage elsewhere, even though I’m supposed to have a cheaper rate because of being in a group. My advice is to go elsewhere.

Nothing was harder in life than getting a hold of my adjuster. Resolving my fairly simple claim took 3 months. Not only did she never pick up, reply to her voicemails and read her emails, but she would also take weeks at a time to follow up. And, when she would be completely oblivious to how much I've been struggling to try to get her attention and taking Ubers every day from work. When she went on vacation and there was no replacement for her to take care of my claim. Her manager never ever picks up or replies to his voicemails either. Before she left for vacation she didn't tell me that I had the option of not writing off my car which is not fair and pressured me to sign a write off form in 3 hours as she's on vacation the next day for a month. I could have lost a brand new car because of an unfair estimate and she acted completely non-challenge about that. Whenever I'd call other adjusters, while she's away, they give me completely different answers to the same questions. When I called Service they forgot to tell me I'd lose collision coverage even though I asked and asked. This resulted in my having to pay off my loan after I've also had to pay out of pocket to fix the car as a result of them not explaining to me that I wouldn't be getting the cheque and instead the cheque goes directly to my lienholder. Took me maybe 5 phone calls to change my address on file. After, they finally started giving me answers they had the audacity to ask for a letter from my bank, that the bank said was highly unusual. This is also after they already confirmed, they were mailing out the cheque ... This experience was so horribly inexplicably bad that it could drive someone to insanity and alcoholism. Stay away from these people.

First of all...stay far away from this company! We had a small accident a few weeks ago that caused minor surface damage to the rear of our vehicle. We got our own repair estimate for $2500. We took it to their guys so that we could file our claim. We waited over THREE WEEKS for them to get back to us after numerous follow-ups, only to find out work hadn't even started on our vehicle. The repair shop blamed the insurance company for not sending paperwork, and TD Meloche blamed the repair shop for being backed-up with work. We, finally, escalated it to a manager. Got a call back the next day to tell us that the vehicle was considered a write-off. We're still waiting to find out our settlement offer, apparently, there is no one we can speak to on it, and we just have to keep waiting for some indefinite time. We bought our vehicle just three years ago for $11K. And they're writing it off for approx. $3k of damage? Why even have insurance if they can just choose to write it off for whatever they want and not repair it when you file a claim. This has been a complete nightmare I wouldn't wish to anyone. Oh...and we had no rental vehicle coverage on our policy, so all this time have been down a vehicle which I understand was our choice not to take it. But you also don't expect an insurance company to take three weeks just to START processing your claim. I tried to ask for a rental vehicle at this point but of course, the answer was no.