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.

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 was with Meloche Monnex for 35 years without incident! I had a bad year after my father's death and wound up with 4 tickets. Meloche sent me a letter cancelling my insurance and only giving me a few days to make alternate arrangements. When I asked for an extension, they declined. After treating me so badly they had the audacity to ask me to return to them when my tickets cleared. I would not ever recommend this company to anybody and would never again use them myself. I had 2 vehicles insured plus my home insurance. I pulled all my insurance and went elsewhere. It turns out Meloche is not very honest. They claim to be cheap and I found much better deals elsewhere even with tickets.

TD insists on only using mail for communication, no matter the circumstance. They refuse to contact anyone for any reason using any form of communication other than mail. I had an issue with my mailing address and they sent about 12 letters, informing me that they were going to cancel my insurance due to a payment issue. Eventually, they cancelled it, without informing me by any method other than by mail (note that they had my email and phone number on file). I never received any of these notifications and was driving with invalid insurance for about 4 months because of this. Then, because I had an amount owing, they got their collection agency to contact me. They were able to contact me immediately, of course, since they tried any method other than mail. This is the only reason I found out my insurance had been cancelled. I paid them immediately. I have never had any issue with payment for any service in my life, except for with TD. If they had contacted me by phone or email, I would have been able to clear things up right away and would have taken measures to ensure this would never happen in the future. I tried to reinstate my insurance with them, but they would not grant me home insurance due to my previous non-payment, even though I had paid everything I owed in full. I went with another company, but they would not insure me until they had confirmation from TD that my account had been settled. So I went through the horribly long wait to speak with someone by phone, and after being put on hold multiple times, I was told they would send me confirmation the next day. I assumed this meant they would email it to me. However, when I checked with them two days later, it turned out they were mailing it to me. I spent about an hour trying to convince them to scan the document and email it to me or to just send me the original saved document, but of course, they refused. I cannot for the life of me understand what they have against alternate forms of communication. Why do they insist on doing everything with the oldest, slowest, most unreliable, and most expensive form of communication? To make a long story short, this company has the worst customer service of any company I have ever experienced, and will never contact you except by mail.

I tried to cancel my insurance. It became a 3-week process resulting in additional withdrawals from my account including a penalty. Very disappointing and frustrating. I would NOT recommend them to anyone. Stick with the smaller companies where you get more personal service.

My ex-wife and I shared a Home-Auto Insurance. So when we separated and changed our addresses I called and they told me I had to cancel my policy, and that my wife had to call to approve it. She did but they just cancelled the auto portion of my insurance. They didn't cancel the home insurance and of course they continued charging me for it.

They never mentioned that I was subject to cancellation fees and the last operator I chat with told me that I would be penalized with a small portion because of cancellation fees. That small portion represents a 70% of my monthly payment. How in the world a 70% is a small portion???

Moreover, they will refund an extra payment they charged me in 2-3 business weeks? So they screwed me up in every way they could.

Stay away from this robbers!!!!

Long term customer with Meloche (over 10 Year). My wife and I are both over 50, no at fault accidents in over 30 years of driving and both have clean records. We have two cars and our home insured with TD. Rates were reasonable but over the past few years have noticed rates creaping up even though we have never made claims. We have been in the same home for 30+ years with no claimes and our insurance went up 25%. I complained and they knocked it down by 10%. I sold one of my cars as we no longer need it and they raised the insurance cost of my single car by 32%. I have called 4 other insurance companies to get quotes and rates are 40% lower with the same coverage. I will be cancelling my car insurance and will shop around for my home insurance.