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Meloche Monnex (TD Insurance) Auto Insurance Reviews
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(408 reviews)
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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!
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.
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I am young and work in the insurance industry. I am my 3rd year of being insured with no accidents, yet premiums went up on renewal. The logic behind their pricing methodology makes no sense to retain customers. Most providers would absorb any market increases for no/low-risk clients to show that the value loyalty and as there is no justification, yet the chose to increase rates anyhow. In terms of pricing for COVID, they are providing reduced rates which is great of them, however, the mandate came into effect late May and is only effective after that point in time. Most insurers would backdate this premium rebate to the date where people were no longer commuting, April 1st unless there were claims made within that period of time. While they do offer very competitive rates right off the bat, the company seriously lacks any client retention initiative.... and if you have to pay a little more for another insurer you will probably profit off of it with rate reductions for a good record in the long run.
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.