Meloche Monnex (TD Insurance) Auto Insurance Reviews

Not sure what has happened, but I am not sure there is anyone working. Twice I have called and waited over an hour and listen to the same terrible tune.

First, I just wanted to call them and try to correct the payment that they mistakenly withdraw from my Moms account. I don't understand why I set up the account with them and they mistakenly deduct the money from my Moms account. Secondly, I waited for more than 3 hours to call them. I do not understand why on this planet there is such company working in this bad way, seems like we are no choice. Sincerely hope there will be a new company to replace them ASAP.

I had been with Liberty Mutual for years before they left Alberta and sold to TD Insurance. For the first few years, TD was decent in their service and rates. However, service, wait times, and insurance premiums have become unrealistic. While we have a newer driver in the family, the rest of us have zero accidents, hold professional driver's licenses, and no penalties. While we hoped that after dealing with this "company" for almost 35 years, we hoped the poor customer service and long wait times we started to experience within the second year was just a phase. We were prepared for the additional cost of adding a new driver still on her GDL, our insurance premiums continued to climb despite multi-vehicle and no claims. After being with "this" company for 35 years, we decided to explore other insurance companies, and after finding one that insured us for the 3 we currently have with TD, added a fourth vehicle and still walked away saving $150/year. When trying to cancel the insurance, had to wait on hold for 1h10min, and they still wouldn't cancel the insurance without talking to my husband?! We've been on the same policy for 25 years! Then to top the delight in dealing with them off, after paying our premium for May of $460, three days later, they are graciously giving me $54 back... So, after this many years, I am so truly sad at what use to be a decent, competitive company that recognized long term clients and was easy to deal with, become another money-grabbing, do whatever they can to make it difficult for their clients to deal with them. Save your money and time and take it from a former VERY loyal client, there ARE many other fantastic options out there.

Insurance provided by this company is truly a money-for-nothing scam. They won't explain the reason for things and just use the same stock phrases over and over again instead of (and to avoid) giving you actual explanations. Some reps want to help, but there's always more than one involved and eventually another one will undo this. You might save a bit of money in the short term, but in the long term, it will cost you a lot more. So take your time and money somewhere else.

Never use them. I called in regards to my upcoming renewal and was told it was not processed yet. I was also told my payment date would be pushed back to reflect their late release of my paperwork. 2 and a half weeks later I received my paperwork, informing me the payment date was the same. I called in to see about pushing it back and was informed it was locked in THE DAY I CALLED to inquire about my payment. I was unable to secure the payment on the scheduled date but cancelled my policy due to their poor customer service anyway. They admitted their fault and offered reimbursement for the NSF fees. I was promised it would be deposited the following Monday. Monday came, no deposit. I called back and was informed that they had actually mailed cheques out. Nearly 2 weeks later, I'm still waiting. I call today to be told it would be a 2 to 3 week process to cancel the cheques and deposit the money directly. They also owe me $180 from my policy cancellation, but I'm not holding my breath on that.

TD insurance is the biggest liar in Toronto. Stay away from them if possible. They can constantly increase your quote and charge extra when activating/setting up your account. I have to stuck with them for a year, and won't stay with them afterward. PLEASE PAY ATTENTION TO YOUR BILL , ESPECIALLY FOR NEW CUSTOMERS USING TD ADVANTAGE APP. THEY WILL CHARGE EXTRA AND STEAL YOUR MONEY. We just relocated to Toronto a month ago, and shopped around for auto insurance. It seemed that TD insurance can provide us the reasonable rate so far since we had been staying with TD insurance for a few years outside Ontario and have a clean driving record. So we asked them to send a hard copy of the quote. When the mail arrived, the quote was around $150 higher than the one we quoted on the phone. So I called back, one of the agents told me that her co-worker made a mistake on our previous quote (lower rate). Excuse me! I said I thought your guys are professionals and asked to talk with her supervisor. The agent asked me to hold on, it turned out that she hanged out my phone. She was so rude that I tried to complain about what happened to me with their supervisor's phone line on their website. Nobody answered my phone and asked to leave a voice message. I did, there was no response from them since it has been almost a month. I kept shopping around because of TD insurance unreliability, their quote (the higher one) was still the reasonable one we can get, because we can get some group discount. For the sake of money, I went back and called them to activate our account early in the morning. Since unpleasant experience on quote, I double checked our premium, coverage (including download TD advantage App for 5% discount) before activating. So I preferred the payment by credit card, which is the only option for full payment. And I asked the agent repeated how much he will charge on credit card. The amount of payment was the exact number as the higher rate. So I gave him my husband's credit card information. It's done. And I asked him to send a temporary insurance file to us. Due to the post office being on strike, we need to get our car registration and switch licence plate in a week. I still didn't trust them, when my husband got off from work and called them in the evening to check how much they charge from credit card. Okay, it's the same amount as the quote. To our surprise, I got the official document of Auto insurance this afternoon, they charged us more than $100. So I was so confused that I called them to ask what is going on. It took a while for an agent to figure out the problem. They didn't give us a 5% discount when we downloaded TD advantage App. Jesus Christ! We agreed with using this App. They even sent us an email and asked us to download App with PIN. What's wrong with these people? If you don't provide us the discount, why did you ask us to download the App? They thought we didn't know the amount they charged extra. Unfortunately, I kept every record from them, it can be traceable. I read so many bad reviews about this App, I gave up on this App. I don't want to install it or have any issue with them. So be it.

So after 40 minutes on the waiting line, I got transferred to a third party vendor that captured my info and told me that somebody from TD insurance will contact me tomorrow after 11 am. I had by accident hung up and had to call again (another 40 minutes of waiting time). This time the new agent told me it takes 1-2 business days to be contacted. Nice, inconsistent message to the customers.

I have had no claims no tickets I even went along with their TD my Advantage app, and scored great on it. When my renewal for the first year came up, even though I had enough KM and enough length of time using the app, the discount wasn't applied as they changed the conditions of when to qualify. I continued to use the app for a full year after, surprise: I now qualify for the discount. With my great driving scores and having no accidents or tickets (nothing), they have decided that the risk has increased for an unknown reason and they basically increased my premium so that after the discount I ended up at the same previous insurance premium. Now I am stuck with the app because if I cancel the app, I will have a much higher premium than what I always had in the previous years. I realized how stupid I was when I believed their lies. Don't install the app, it's a trap and you won't be able to get out of it.

Terrible Customer Service, very long wait time. Also, I had TD MyAdvantage app on my phone for more than a year and drove a lot more than 1000 km, which is the min requirement, but after a year they did not give me my 22% discount, which shows on my app. They told me that I have not driven 1000 km, which I did. The app simply works if you have a certain setting set on your phone, otherwise won't work properly and will not record all your trips.

This company is extremely hard to get on the phone! You must stay on the phone for periods of over 30 minutes or so while they continue to shout advertisements for their products at you. Because of this, I have decided not to do any more business with TD!
The ONLY good thing is they are not that expensive.