Meloche Monnex (TD Insurance) Auto Insurance Reviews

Rude, unprofessional employees who never return phone calls or emails. An insurance adjuster working in Alberta refers the car to a Collision Autobody all the way out in Oakville. My 90-year-old relative lives in Mississauga... DO NOT RECOMMEND IT. Talk about privacy laws but do not provide any flexibility or any solutions when my 90-year-old relative was involved in a car accident and has not been provided with a car rental. He does not own a computer you silly people and is computer illiterate!! What do you not understand? Giving my 90-year-old relative the run-around and treating him like an OLD SHOE...This insurance company owned by TD Canada Trust should be ashamed of itself for abusing and bullying elderly customers... RUN AWAY as fast as possible. TD Canada Trust is a horrible Bank and the insurance division is WORSE!!

I’ll be 45 in less than a month; I got my licence when I was 17; I’ve never been in an accident, and have a spotless record; not even a traffic ticket in almost 30 years of driving. For most of my life, I was part of a family bundle, got a good discount on my rate, and was very happy paying about $90 a month. Well, all of THAT changed when everyone but my sister (who doesn’t drive and obviously who wasn’t part of the family bundle) decided to move out of the province. And how!!
It just so happened that I was in the process of purchasing a used vehicle at the same time my family was preparing to move. So, instead of being able to shop around, I decided that the best and quickest way for me to obtain the vehicle was to just purchase a new policy (which I was going to have to do anyway) with the same insurance company.
So, after 57 minutes and 33 seconds (as per the time my phone shows how long it took), and a whole rigamarole of questions, as well as a few glowing remarks about how impeccable my driving record was (while continually trying to sell me on a stupid app. which actually tracks your driving, speed, etc.,), out pops the number of more than $3,800 per year!! I was actually stunned and flabbergasted by the number! How is it possible that I go from paying merely $90 a month on some family plan/bundle to paying almost 4 times that amount?!?! It’s sickening!
But what could I do? I wanted the vehicle as soon as possible (because it was a very nice vehicle!), and the dealership, I’m sure, wanted it off its lot as soon as possible, to make room for more inventory. So, I just had to pull the trigger at that point, and after almost an hour on the phone. So, instead of being excited to actually get my new ride, I was furious and shocked over the price of insurance, which had somehow ruined the great experience of owning an extremely nice new (used) vehicle!!
However, even though I’m going to have to pay this month’s fee, you better
BUH-LIIIEEEVE I’ll be switching insurance companies as soon as I’ve shown proof of insurance and secured the vehicle! Like, $3,800 a year with a spotless record for almost 30 years is highway robbery! And yes, that pun was intended!
So far I’ve been quoted $1,900 per year and $249.33 per month with other companies. I also realize that these are just quotes and that there are a lot more moving pieces involved with getting a more accurate rate, but I’m certain that I’ll be able to find a rate much better than $3,000 per year somewhere else. Therefore, my recommendation is to stay away from this insurance company unless you too want to be the fuel of rage!

We had the misfortune to have our car struck by an elderly driver who drove through a red light. Our car was deemed too damaged to be repaired, and was written off. We were forced to accept a settlement for 2/3 the demonstrated replacement value of the car. Now, two months later, we are still struggling to compell TD to stop pulling money from our account for insurance for the damaged car we no longer own. TD bought the wreck from us... it's their car now. TD's agents say there is nothing they can do to stop the withdrawals. The struggle continues.

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

No accident, no claim for over a decade, just a simple call to update address they raised premium by 30%. Multiple calls to talk to a supervisor but no success, false promises of supervisor calling back in 2 days but they won't call you. In the process of moving to another Insurer. I was advised by our lawyer before not to insure with them as their services are not good now I experience it.

Very inexperienced adjusters all they care about is saving money to TD and don’t care about customers. I was with them for 7 years and 2 claims both not at fault and still gave me a hard time. Forced me to take my car to their body shop which did a horrible job and then they said to fix the issues with the repairs I have to open another claim and will be cost me in premium going up. Save yourself, don’t even look at them.

Service has gone down over the years. Nobody wants to work there, had like 4 different adjusters none of them are responsive, voicemail full for weeks on, can’t even leave a message for multiple individuals some even months on. Completely absurd. Keep telling me they will get someone to contact me, yea months on... Completely unbelievable for accidents that were not even my fault gave me such a hard time! I can’t get a hold of anyone. Switching companies for sure!

The absolute worst insurance company I have ever dealt with. I filed a claim in April 2021 for a total loss. They offered a fraction of the car value and getting a hold of the adjuster was a nightmare. They asked for additional information and I had to send the requested information multiple times. I would never deal with this insurance ever again.

My wait time to renew my car insurance now stands at 1 hour 42 minutes and counting. Please don't tell me that wait times are longer than normal because my experience is every big company I call has long wait times but this is not normal.

The claim process is super slow. Follow-up does not exist. There was uncertainty and contradicting information among staff. They changed the decision back and forth multiple times. The amount of time spending on administration for a small claim is stunning. I am not an at-fault driver with this kind of service. Greatly disappointed!