Meloche Monnex (TD Insurance) Auto Insurance Reviews

We have been customers of TD for years, for both car and home insurance. I just sold my old car and am buying a new one and needed to contact TD. So far I have spent over 3 hours on hold, and have sent 3 emails through their online system! This is beyond unacceptable!

So frustrating services! I can't get any help online. The car policy I paid for the whole year after 6 months they send a new bill demanding for a new increased payment.

If I could rate them lower than 1 star I would. Tried several times by secure email and calling them only waiting forever online... and chatting on-line you wait forever as well... Terrible service!!! Maybe everyone cancelling policies due to the high increase this year. TD no more!

I have been trying to contact a customer service representative since August! I was once on hold for 4 HOURS with no answer on August 23rd. I was calling because they did not send me my renewal papers and my policy expired on August 13th. When I logged in online they only had me listed as having renters insurance, but no active auto policy. I was leaving for a weekend trip with my two small kids and was forced to take out an additional policy with another company because I had no way to verify whether I still had a policy with TD. Since then I have called, I have emailed. I have sent a message from my online profile and nothing! I did see that they took back payments out of the bank account and a week ago I got my renewal papers. I cannot believe this I want to cancel my policy now (which apparently I still, but have no way of doing so because TD will not respond to any of my attempts to contact them. DO NOT take out a policy with them because if you run into any trouble they will leave you high and dry and will not acknowledge you exist.)

I am not exaggerating here. The WORST customer service experience I have ever had and it's not close. I have spent 7 plus hours on hold with TD over the last 2 business days. Even tried the online message app. I was on hold Monday for 4 plus hours and at 5 pm mountain they hung up on me. I was picked up once and then was shoved back in the queue. I was online 4 pm today the online chat shut down. I have 2 vehicles on my act. If I didn't I would have stopped payment and never looked back. Absolutely disgusting.

I have been trying for months to get in touch with someone, they never pick up the phone. My insurance webpage is also another failure. There is not a simple way to communicate with them. One of my insurance will expire next week and I haven’t received my renewal package yet. My home insurance and other car insurance got a premium increase - no claims done what so ever!

I was calling to update my insurance policy (I can't do it online for some reason) for two days and still can't reach the operator. The line is permanently busy, I am constantly on hold. The longest was 5 hours. So rude and disrespectful.

I don't understand what happened to Meloche Monnex. I used to love, love them, they used to be easy to deal with. However, that is not the case anymore. Over this past week every single day, I've phoned and have been on hold for 4 hours at a time. This is unreasonable. Once I get through, the person on the line asks a few questions, and then eventually says "our system is down we can't do this or that, check back tomorrow". I just wanted to add another vehicle to my existing insurance policy. I don't understand why that's next to impossible. Also, their waiting music is extremely annoying. Please change the music. Also please hire more workers, it's apparent that they have hardly anyone to handle issues. Also, please hire tech support to deal with the constant system outages. It's getting ridiculous. I used to really vouch for Monnex, but I cannot.

This is unbelievable. I have wasted almost 5 hours waiting to reach someone from customer service to modify my policy which unfortunately cannot be changed online if I want the changes to be effective immediately.

If TD Insurance is unable to offer reasonable waiting times on their phone lines, then they should create a website that can serve its customers better.

Looking to switch to a different insurance company. This is just too frustrating.

I am a client at TD Meloche Monex for more than 10 years now. It started with my first car when I was 17, got a good price because of their partnership with different Universities and Professional organizations, etc... I also got my home insurance with them now. HOWEVER, it is now impossible to speak to someone. Client service is awful. I don't think they have anyone listening to the phone anymore...They want us to do everything through the App or Website, but sometimes, you just have to speak to someone in order to explain a specific scenario... They should get 0-star review. I had one claim once. I got hit by someone. To be fair, I was happy with the process. For my claim, I was able to speak to someone quickly. The whole investigation process was fast and they sent me to a good car body shop (in eastern Montreal), so I can't say I had a bad experience with the claim. But again, for all other stuff (e.g. explanation on price, modification to policies), getting someone on the phone is a journey! Anyway, this year they increase my insurance rate for about 30% for no reason. Of course, impossible to talk to someone for an explanation... you need to wait for days on the phone... Now the rate is not competitive anymore, I am paying more than what I would from other insurance companies for similar coverage. I decided to move on with a better insurance company.