Meloche Monnex (TD Insurance) Auto Insurance Reviews

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.