Meloche Monnex (TD Insurance) Auto Insurance Reviews

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.

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.

1. When I replied to the email that I got the Insurance confirmation from asking to change something, I never got any reply! The confirmation was only a table including the basic information only in their own terminology and did not have any clarification of anything in detail on top of that it had wrong information about the lessee! 2. When I later called and asked to send me a copy of the terms and conditions or the contract that I am signing in order to commit financially, I was told that the system doesn’t do that and that I have to accept everything we talked about verbally and I should not see what is excluded in the contract and on top of that if I cancel, mid-term or even when the mail comes to see the contract, I will be paying one month cancellation fee and the agents didn’t care about anything and he said he’ll be happy helping me cancel right now before the policy starts. I have asked for a manager and the manager just simply repeated what he said and then told me this is the rule here, it’s only a verbal quotation, this is how things work in this company! This is neither ethical nor professional. I am very disappointed with a big company like this behaving in such a bad scammy way!!

Worst company ever to have an auto insurance with. Hidden charges that they add up at the time of the cancellation that they have a hard time explaining !!! I paid my fees in advance and they are charging me 120 dollars as a cancellation fee and 108 dollars as a short-term notice fee? (and this is after giving one month of notice ) comparatively expensive rate. Warning: bad idea to go with them

TD sent my renewal and then subsequent cancellation notice to an incorrect address after I moved. They had missed a digit when I called to let them know about the change of address. I didn't notice the payment hadn't come out of my account until they phoned 3.5 months later to check my address and tell me they had cancelled the policy a month ago. Not allowed to pay and renew without a 30-day application process and increased rate. Also tagged with Non-payment on my record. All of this could have been avoided with a phone call.

son purchased insurance at an unbelievable rate and purchased a nice little car. He rolled a stop sign and td cancelled his insurance. At no time did they disclose that the insurance could be cancelled, now he's stuck with a huge car payment and insurance. Thanks td

The company is a huge rip off. I had auto insurance with them on a student plan. Initially i paid the first and last month of the insurance. My car stopped working and I had to cancel my insurance after 8 months. I called and spoke to the customer service rep and he said that they will return my last month's payment but they will have to deduct a 18 dollar fee. I was waiting for my money to be deposited into my account but i received a letter stated I owe them $247 dollars. They were supposed to return my money instead they wanted to charge me some premium. When I called them they told me it was the cancellation fee for a year's contract. When I had called to sign up for the insurance I was not told of any cancellation fees or premiums. Their call centre is not informative for first time car buyers and I feel extremely cheated. Today I received a call from collections that they have forwarded this amount to them because I refused to pay it.

I am not going to let this matter go! I had an extremely disappointing experience and I would suggest ppl to stay away from TD insurance

RIP OFF!!!