Meloche Monnex (TD Insurance) Auto Insurance Reviews

During our pandemic I was hospitalized with Covid. While in there I had missed two payments so now they have canceled my insurance. Even after I explained I was hospitalized they still cancelled my insurance unless if I come up with the full amount. I have been with this company for about 20 years and I never had a problem with making payments. And then Covid-19 hits. I have never been refused insurance nor have I ever had my insurance cancelled.

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

I tried over a period of 3 days to get ahold of someone at the company and each time I was on wait for over an hour. The worst customer service ever. So sad. They should focus on improving customer service and wait time. Still waiting. My 4th day of trying. Waiting to cancel. This is unacceptable.

Tried to call them five days in a row with wait times over 1.5 hours each time and still unable to get a hold of anyone at this poorly operated company. This is extremely unprofessional and inconsiderate of other people's schedules. I was a loyal customer for over 10 years with a clean driving record to date, yet they increase rates for no apparent reason and/or justification. I'm curious to see where my money is going since they don't even have enough personnel to service their customers who are paying them good money for the mediocre service they offer. I will be cancelling my auto insurance with this company and strongly advise anyone looking for any sort of insurance to stay away from this company. They will rob you of your money and purposely not answer any of your phone calls requesting a simple explanation which you have a LEGAL right to as a customer, given that you're paying for their "non-existent" services.

Have been trying to reach them for 3 days, had to hang up every time due to over 40 minutes on hold. Now at 50 minutes on hold and I am going to have to hang up again. The only conversation now will be to cancel.

I've had my house and auto insurance with them for 25 years maybe more. In all that time I've had one auto claim some 11 years ago and no home claims. I was not at fault but my car was totalled. The claim was settled satisfactorily with speed and politeness. Nor did my rates go up beyond the usual creepage. A recent matter, not even involving a claim, has made me decide to leave this company. I had to purchase a car out of the province of my residence when my old one was beyond reasonable repair costs. First, they told me the maritime branch could still insure me but with a 60 % premium. I was willing to pay because it would only be for a few months. Then they came back and said they could not insure me and that I would have to be insured by their Ontario branch. That auto insurance was 85% more than I had been paying. Because they do not consider the Ontario and Maritme branches the same company and my home was insured with the Maritime branch my house insurance also went up 18%. I was not pleased but again considered it a temporary matter until I had my plates changed back in several months. I decided I would change insurance companies if they did not return me to close to the previous status quo to both house and auto. I asked them to send the policies to a temporary mailing address for me to review. But they got the address wrong. So I had to phone them to correct that and make sure future mailings went to my home address. Tried a couple of times but I could not wait more than 15 minutes to get a person. Then one day I got to a person within minutes... By not listening, just like the individual who did not get the address right, she turned what should have been a simple matter into something very complicated. She kept cutting me off and would not let me speak my mind. She had the gall to threaten to hang up if I did not calm down when she was the one escalating matters. I should have said, "You know what? It doesn't matter. I'll be changing insurance companies in the next few months," and then hung up. They'll be losing a good client. Never any problems with payment and only one claim in 25 years. She was the straw in a series of events. I do not want to be insured by a company that employs someone like her. She's a bully with psychological issues; the need to be right and a lack of genuine empathy. (I have a Ph.D. in psychology and worked in a psychiatric facility). They also lost my father a few years back. He never made any claims. But they were making mistakes with billing and he got tired of calling them up after they kept making the same mistakes over and over again.

Have been using TD Auto Insurance for 15 years continuously even with the higher cost simply because of the quality of service and efficiency communication. In past months, probably, there has been a change of how TD insurance operates with quality and efficiency gone down to the lowest levels. For the first time in 15 years, I am actively looking elsewhere.

Terrible company. I have used TD Meloche Monnex for 4 years for my car insurance and after doing some research I found out I was paying extremely more than what I should have been ($1300 more). Each new term my premium would increase (I have never been in an accident) and when I would call to ask why they would give me some nonsense excuse. Not to mention trying to contact someone would take at least an hour. Yesterday I was put on hold for 2 hours and 56 minutes (I have proof). I've never been so disappointed with a company in my life. So unless you want to spend half of your day waiting on hold to speak to a representative, OR don't mind paying way more than you should be paying...don't use TD Meloche Monnex. Just read the reviews, they don't lie! ps. Thank you to the representative who cancelled my policy for me and completely understood my frustrations with the company.