Meloche Monnex (TD Insurance) Auto Insurance Reviews

I am baffled as to how this company stays in business. They are very antiquated with few online services, seeming to rely mainly on letters for communication. They claimed to have called as well, but either a representative put in the wrong number or that's false. Anyway, we were notified via letter that we didn't have all of the proper documentation for our insurance (this is 6 months into our policy) to satisfy regulations. Baffled, we contacted the customer service e-mail to fix the error. The insurance was canceled anyway, the company saying we had until the 2nd to fix the issue and time had passed. I have the physical letter that clearly said until the 12th. Canceled anyway, and I was berated on the phone by a representative that said they had tried to contact me several times and it was therefore our fault. We paid in full, have no accidents, no claims, a clean driving record, and Ontario driver's licenses. Yet they still canceled out of the blue and refused to salvage our account. They also made no attempt to refund until I complained. I don't know how they manage to stay in business when they treat customers like that, and miss out on $800 they have to refund (hopefully - I am still waiting). Avoid this company like the plague. While they offer discounts, their services are terrible, and now we're stuck with this record saying we were non-compliant as we shop for other insurance, even though we had perfect insurance records before. It's ridiculous and the strangest, most awful experience I've had with an insurance company. It's like they outright didn't want our business.

-Sky high premiums. Search around, everyone you call will have better pricing
-horrible cancellation policies, very unforgiving

enough said.

As insurance companies work mostly over he phone, the lack of transparency, follow up, communications and integrity is sorely lacking at Meloche Monnex. I was a customer for over two years and paid $120 monthly, I was told that I had the comprehensive coverage yet this month for He first time I called about two small items, my windshield that has stone chips from the highway and a scratch from someone vandalizing my car by keying the side of the body. After numerous transfers, voicemails, promises of managers calling back and wrong as well as conflicting information being provided every time I call- I decided to cancel my insurance policy with TD. They do not care about the customer at all. They did not acknowledge their error whatsoever. They stuck to the script and each person would repeat that I was sent insurance policy by mail and henceforth it was my fault all along. It doesn't matter to them that they have made a mistake and that they should at the very least apologize and try to retain the customer. They have completely alienated and upset me because they are thieves. TD should be sued for their business practices.

Was assured upon purchase that I would not have to pay cancellation fee if I was selling the car rather than switching insurance companies. Now that I try to cancel I am charged a cancellation fee without explanation of how it is calculated. The supervisor refuses to show me the actual auto policy claiming I have no right to look at the the policy in print and the official wording of it all only referring me to OAP and nothing specific. Then the manager of the customer service "respectfully" hangs up on me.

I canceled the insurance, I want to know how do they calculated the penalty fee, because they charge a lot, but she said this is internal, she can't tell me how they calculated. They trick customer.

After 10 years with TD Meloche Monnex I decided to get other quotes. I was very surprised that I could save $800 per year on auto because I thought I was getting a good rate from them due to my post secondary affiliation discount. I canceled my insurance with them and was told they owed me about $500 and would get it in a week and I also owed them a small amount for my home ins. They kept their promise of taking the money owed but not the money they owe me. Instead of 1 week I have to wait 4 weeks. I called and of course they say there is nothing they can do. Funny how insurance companies and banks are extremely efficient at taking $$ but not at giving it back.

After 17 years with the company, and part of a professional group that supposedly had a discount with TD, I was shocked to receive my annual renewal with a 29% increase.
Nothing has changed with me in the past year and so I called to ask why the increase.
I was told that all policies were affected by general conditions in the industry and there was nothing other than that they could identify in my situation.
Enough is enough and I am changing insurers. I have contacted a few and have found more competitive rates at all of them.
One in particular will take me back to the level of premium that I paid last year. That's a 29% reduction from the TD renewal quote.
Goodbye TD.

The hold times are incredibly high. I've been trying to cancel my home and car insurance to switch to another provider and so far I've called 3 times and my calls all lasted over an hour. The reps don't understand insurance themselves and can never answer your question directly. It's all "umm, ah, well it's complicated please hold" 15 minutes later. "On what date are you looking to cancel again? Okay, I'll be back" and this cycle goes on and on. I can't wait to replace these people.

There’s ALWAYS long wait for an agent. I tried to make a change yesterday but I gave up as I couldn’t stay on line for more than an hour, and today I’ve been on hold for 40 mins now while I’m writing this review. Last time I called in I was told now it’s a peak season, however, if they’re aware of it why not hire more people? Why not improve it? Horrible customer service will cancel policy upon renewal.

let me hold the phone for more than 1 hour 2 times, not able to reach them, have to change insurance company