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Meloche Monnex (TD Insurance) Auto Insurance Reviews

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(408 reviews)
Meloche Monnex (TD Insurance)
1.6 out of 5 stars:
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Most helpfull reviews Clear all


by phb on Nov 25, 2023
1 out of 5 stars

I was a client for over 40 years. Not a lot of claims and overall experience was ok.
Reason for cancelling - I left 3 messages and never got a call back. When I cancelled I never got a call as to why I cancelled,
If you think you are getting a competitive rate because you belong to an association... forget it.
They value new customers more than loyal long term customers,
I saved $1500 on car and home when I changed!!!! Don't think they are giving you good rates if you are a long term loyal customer with next to no claims.
my lesson-always shop around!!!!!!

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Rate increase

by Dan Foster on Oct 4, 2023
1 out of 5 stars

After 17 years with the company, and part of a professional group that supposedly had a discount with TD, I was shocked to receive my annual renewal with a 29% increase.
Nothing has changed with me in the past year and so I called to ask why the increase.
I was told that all policies were affected by general conditions in the industry and there was nothing other than that they could identify in my situation.
Enough is enough and I am changing insurers. I have contacted a few and have found more competitive rates at all of them.
One in particular will take me back to the level of premium that I paid last year. That's a 29% reduction from the TD renewal quote.
Goodbye TD.

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Best of the best.

by Awalo Saibu on Nov 25, 2021
5 out of 5 stars

I was supposed to pay about 5900 for my two vehicles from my previous insurance company when I called TD Insurance with my experience letter. I paid about 2900 for those same vehicles. Whiles the previous insurer's deductibles were 2500 on each car, TD Insurance was 100 on each car plus accident forgiveness, free car rental and many more. I wish they cover commercial insurance...
TD Insurance embodies truth and honesty. Their customer service is very fantastic. Don't hesitate to do your business with them, you will get the value for your money.

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Very expensive rates

by Saeid on Nov 20, 2021
1 out of 5 stars

Very expensive rate and poor quality of service. They increase rates without any notification. Poor service quality.

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Terrible Service & Incompetent

by DMan on Jun 29, 2021
1 out of 5 stars

I cancelled my vehicle insurance with them. They couldn't find any record of me calling and the vehicle ended up being cancelled due to non-payment - AFTER I called to cancel the product. I contacted them with the issue, PAID the non-payment (they told me it would be reimbursed to me when they found the missing entry in my profile) I'm still waiting for the call from TD Insurance (after 6 weeks)! I called asked for a Manager and she told me there was nothing they could do.


After the easy decision to leave TD Insurance, the first quote I received for auto and household was roughly HALF of what I was paying with TD Insurance - I NEVER had an accident or a household claim after 15+ years of being with them. (15 years of terrible service and overpaying)

Do yourself a favour and look somewhere else for your Insurance.

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Poor service

by Rob Dunn on May 3, 2021
1 out of 5 stars

I've been with TD for 20 years but enough was enough. Ridiculous wait times for everything, add-ons that were not explained or disclosed, excuses, late renewal packages (2 days before due), rude service, and rising rates that are no longer the cheapest. Good riddance!

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Bait & Switch Pricing

by Frustrated Consumer on Mar 2, 2021
1 out of 5 stars

Have been insured for well over 10 years with TD Meloche Monnex. Have had many issues with inconsistency on claims & rates. The recent interaction was the icing on the cake. Called for a quote on a new car & verified coverage, got a reference number in case of issue & when we called back to provide the new car VIN number, the quote jumped up to $1,000. Talked to a manager & he advised that he could not honour the quote given as the advisor had made a mistake. The price quoted was not competitive given we were to receive a multiple car discount, house insurance discount, University Alumni discount. So very frustrating & this was the second incident of bait & switching prices in 3 months with TD. DO NOT TRUST THIS COMPANY. They are aware of fluctuating quotes and will not honour prices given.

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Just Getting a Quote was Awful

by mmnotformr on Oct 24, 2020
1 out of 5 stars

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.

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Horrible customer experience

by frustratedx1000 on Oct 19, 2020
1 out of 5 stars

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!

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