Meloche Monnex (TD Insurance) Auto Insurance Reviews

I just cancelled my insurance today after being with TD for 2 years. They charged me exactly $375.68 for 11 days of coverage when my monthly payments were only $267.84. I never made one claim, I have a clean driving record with no traffic tickets and my only downfall is living in Brampton. I found a cheaper rate with better coverage from Desjardins Insurance. TD has no loyalty and they are competitive only in your first year, so you're better off switching after your year is up. Talking to the service agents on the phone and asking how $375 for 11 days was hilarious... Insurance companies are a scam unless you make a claim or for those that choose to scam them first. If you have a clean record and find a better price somewhere else - be prepared to get stiff-armed by a company that is purely "profits before people".

I'm an engineer. Have a home and 3 cars in Ontario. Took contract engineering position in BC. Bought a truck in BC for the 2yr contract and got a BC drivers licence. My wife still lives in the home in Ontario and all the cars are there. I come back once a month for 5 days. MM cancelled the insurance on the cars in my name after 20 yrs because I no longer have an Ontario drivers licence. The agent said I wasn't allowed to drive in Ontario.

I had been a loyal auto insurance and home insurance customer for 10+ years. I had a recent incident where I got a ticket but otherwise a clean record. TD called to let me know they have declined me for renewal. They said it was a major ticket and they cannot insure me any longer. They wouldn't even discuss the issue. Oh and this is almost a year post the ticket I received and just 2 months before my insurance expires.

If I could give this company a worse rating than 1 star, I would. Today I waited on hold for a total of 3 hours to talk to someone. Initially, I waited for one hour, then the representative put me on hold again while trying to connect me to an agent and hung up on me. I called back and waited another 2 hours and I got frustrated and hung up. I called back again and finally got through to someone after 5 minutes. Usually, I wouldn't wait this long to talk to someone but I needed to cancel my policy before it renewed. The manager was apologetic and offered $25 gift card for the hassle. That was all they could offer. I suggested that they have a call back feature on their phone line if customers are on hold for more than 5 minutes. They said they would look into it. I've been a customer for a few years complaining about the same issue many times and they have never dealt with this issue. I would not recommend this company.

As an update to my previous review, we still haven't received a refund. This is over $700 owed to us, as they cancelled our policy out of nowhere despite being paid in full. Additionally, I am having trouble cancelling our home insurance. We went with this company because of the Western student discount. Considering that I am active with the graduate student society, I am going to warn students away from this company and suggest that we partner with different insurance providers.

Sonnet had us re-insured, without fuss, within an afternoon. I would recommend their customer service.

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.

They are the worst I have been trying to cancel my car insurance over two years. They don't communicate via email so I have have to take time of work to wait hours to try and get someone on the phone who has authorization. Then when I speak to a number of people they tell me oh they are missing this form or that signature. Seriously they should not be allowed to sell insurance or work with the public. I am so angry and feel so mistreated by this company... THE WORST !!!

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

enough said.

After moving from Alberta to Ontario, I had a horrible experience trying to update my policy. The phone call took an hour, the rep couldn't give me an accurate quote (he gave me a quote that was $100/month above other Ontario quotes). I get that the amount can be different from company to company, but $100 difference just doesn't seem accurate.

After finding another insurance company,I decided to cancel my policy since the rep couldn't look at my quote and logically think through the problems and realise that maybe he had input some information into the system incorrectly.

When I called to cancel, I advised that I was cancelling because I couldn't get an accurate quote and the customer service was so poor. They refused to waive the cancellation fee. The company clearly does not stand behind their service.I asked to speak to a supervisor after being sent to loyalty and I was told that the customer service rep was his own manager.

I went on the website to see what the company mission and values were - "Our Promise: Exception Customer Service, Superior Value" which speak directly to the two issues I was having and the exact reasons I was cancelling but apparently those reasons, the Promise the company gives to all customers, wasn't a good enough to warrant waiving the cancellation fee (which is optional as per industry standards).

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.