Meloche Monnex (TD Insurance) Auto Insurance Reviews

Waited over 2 hours to talk to someone on the phone, then gave up and tried an online quote. From there a quote was emailed to me with no coverage details. Waited another 2 hours to talk to someone who requested that I enter all the details (4 drivers, 4 vehicles) because he couldn’t access the previous quote. All this to find them 30% more expensive than my existing insurer. Next time I will save myself the trouble and not even try Meloche.

First of all, the three times that I had to contact them, it took me at least 1 hour and 15 min waiting on the line. Second, when I signed my first-year insurance with TD they said I could download the My TD Advantage app to receive up to 25% if I have at least 1000km and a minimum of 90 days usage. I did it and I called them right away to obtain my 22% discount (as the app was displaying). At that time they told me that the discount would come only on the renewal and I would have to use the app for more than 9 months. I did it!! When I called them to renewal they mentioned that my premium was exactly the same amount as the previous year (actually the difference was one dollar). Then I asked about the app discount, they said they had already accounted for the 20% discount from the app usage and the reason was that the insurance actually increased 20% from the previous year to the current year. I did not like the answer, so I went online to price my insurance on TD online tool, I added all my information (age, years of license, the street that I live), all the same, but using another name... The online tool gave me the same rate that they said I would have to pay with the app discount. I am not gonna change the system or fight with them, I changed my insurance to another company for better pricing and I will never do TD again. My advice is DO NOT BELIEVE IN TD DISCOUNT APP TO OBTAIN DISCOUNTS FOR THE NEXT YEAR. It is fake!

Tried to do an online quote, the system froze up. Fine. Call in. Spend 30 minutes on the phone with a very nice lady who processes the majority of the quote but can't complete it due to me not having my wife drivers license number. Fair enough. Told I can call back in, provide my phone number and re-access the quote, add the missing info and be on our way. This is where the fun starts. I told I can not process the claim without my wife's consent, (wasn't an issue the day before). Get her on the phone, get the consent taken care of and continue processing the claim with her info. Things are going fine when the gentlemen helping me suddenly has computer issues, apologizes profusely and transfers me to a colleague. Complete and utter disaster from there. The woman begins processing the whole thing again including wanting the authorization from my wife. I explain the situation, after 10 minutes on hold she comes back to tell me yup it is fine. I would've been faster calling my wife back. She then proceeds to re-enter or re-confirm all the information that was entered the day previously and by the first guy. I repeatedly ask why this needs to be done and continually get provided a non-sensical answer. She then claims she is again having a problem with their system and can't confirm some of the claims information provided. Been on hold for an additional 20 minutes now. So far day 2 phone call is 1 hour and 15 minutes. Plus the initial 30 minutes and whatever is still to come this process will be over 2 hours. FOR. A. QUOTE. Only reason I'm even still tolerating them is because the initial amount provided (without my wife's info) was substantially less than anywhere else.

Waited an hour on hold. Finally filled out for an auto quote online but there was a "glitch" when I submitted the form. I'm worried about what kind of service exists if I were to have a claim or a billing problem. I guess this isn't the insurance provider for me.

Used their online quotation system. the cost was going under $1000. Then contacted an agent and was told the annual cost would be $2400. The funny thing (not really) is that I have been a customer for almost 45 years. Am now looking some-where else. Pure scam.
Wish I could give them zero stars.