Meloche Monnex (TD Insurance) Auto Insurance Reviews

I had been a loyal auto insurance and home insurance customer for 10+ years. I had a recent incident where I got a ticket but otherwise a clean record. TD called to let me know they have declined me for renewal. They said it was a major ticket and they cannot insure me any longer. They wouldn't even discuss the issue. Oh and this is almost a year post the ticket I received and just 2 months before my insurance expires.

I have been with TD Insurance for over 30 years. The drive habit TD My Advantage requires is way beyond what normal rule-abiding drivers would do, even observing the speed limit 100% of the time and turning corners accelerate and decelerate carefully. What is more horrible is that you lose data for no apparent reason. I recently received an email from TD telling me I had not been using my app for a while. But we use the car about 2-3 trips every week! We have 2 drivers and each is required to drive 1000 KM before qualifying. At this rate of losing data, they can easily disqualify us, after we drive as if there was a sword over our heads, scared to be penalized. I have driven for 6 months and I did not know how many KMs I had driven until I was told the accumulated mileage was only 123 KM! What?! I had one trip that exceeded 123 KM alone! But what can you do? The app does NOT even give you the total mileage driven! You are basically putting blind faith on this app and hoping a fair recording. WRONG. I have seen nothing fair so far! The app won't even tell you how many accumulated mileage you have. You have to call in to check! So basically, it's their words vs no words. Then the data saved on my cell phone failed to upload (even though it shows clearly on my cellphone and we have not changed any setting). We had to reinstall the program losing yet another 6 days of mileage, still not sure downloading actually solved the problem! (Until we check in). Good Grief! To be fair, you do receive a 5% discount signing up for the My Advantage program. Expect little more than the 5% you get. Don't let the app discount notes fool you! You won't get it. The anxiety and unhappiness this program brings to our family are making us lose trust in the program and the TD Insurance company.

If I could give this company a worse rating than 1 star, I would. Today I waited on hold for a total of 3 hours to talk to someone. Initially, I waited for one hour, then the representative put me on hold again while trying to connect me to an agent and hung up on me. I called back and waited another 2 hours and I got frustrated and hung up. I called back again and finally got through to someone after 5 minutes. Usually, I wouldn't wait this long to talk to someone but I needed to cancel my policy before it renewed. The manager was apologetic and offered $25 gift card for the hassle. That was all they could offer. I suggested that they have a call back feature on their phone line if customers are on hold for more than 5 minutes. They said they would look into it. I've been a customer for a few years complaining about the same issue many times and they have never dealt with this issue. I would not recommend this company.

My vehicle was stolen in October. Was reported immediately. It was found in a different city a few days later. It took them over a month to have it brought back to the city it was stolen from so it could be inspected by our mechanic. We followed all the steps completed the report and my husband provided the written statement as requested since he had the vehicle when it was stolen. They have not approved the repairs so it has been sitting in the snow and has not been started since October (the keys were stolen). Now over 4 months later they are saying they need to do more investigation and need to meet with my husband to get a verbal statement. Like are you kidding me ?! Why wasn't this investigated 4 MONTHS AGO? I continue to pay for a vehicle just sitting there and my adjustor is always out of the office and yesterday waited on hold for 35 mins only to be hung up on. I'm so fed up. Would not recommend choosing this insurance and I will surely be switching after this is done .. if it ever gets done.

They treat you well up front. Do not believe it. We don't mind paying higher premiums believing perhaps the company can be trusted. Wrong! When it comes to claims Beware! Do not allow them to just repair without knowing what the cost will be within reason. They will screw you out of a new vehicle though you have paid for the 5 year replacement insurance. Do Not Trust them!!!!

As an update to my previous review, we still haven't received a refund. This is over $700 owed to us, as they cancelled our policy out of nowhere despite being paid in full. Additionally, I am having trouble cancelling our home insurance. We went with this company because of the Western student discount. Considering that I am active with the graduate student society, I am going to warn students away from this company and suggest that we partner with different insurance providers.

Sonnet had us re-insured, without fuss, within an afternoon. I would recommend their customer service.

I am baffled as to how this company stays in business. They are very antiquated with few online services, seeming to rely mainly on letters for communication. They claimed to have called as well, but either a representative put in the wrong number or that's false. Anyway, we were notified via letter that we didn't have all of the proper documentation for our insurance (this is 6 months into our policy) to satisfy regulations. Baffled, we contacted the customer service e-mail to fix the error. The insurance was canceled anyway, the company saying we had until the 2nd to fix the issue and time had passed. I have the physical letter that clearly said until the 12th. Canceled anyway, and I was berated on the phone by a representative that said they had tried to contact me several times and it was therefore our fault. We paid in full, have no accidents, no claims, a clean driving record, and Ontario driver's licenses. Yet they still canceled out of the blue and refused to salvage our account. They also made no attempt to refund until I complained. I don't know how they manage to stay in business when they treat customers like that, and miss out on $800 they have to refund (hopefully - I am still waiting). Avoid this company like the plague. While they offer discounts, their services are terrible, and now we're stuck with this record saying we were non-compliant as we shop for other insurance, even though we had perfect insurance records before. It's ridiculous and the strangest, most awful experience I've had with an insurance company. It's like they outright didn't want our business.

I am a 62 female with a perfect driving record. I signed up for the My Advantage app as I am a very careful driver. The app calculated that I would save 21% on my insurance. I got my renewal and instead of saving 21%, my premium went up 14%. When I contacted TD Insurance, they confirmed the discount was applied. I think the app is misleading to say the least and I am looking for another provider to move all my insurance needs.

The vehicle was recovered by Calgary police when they arrested the perp driving the vehicle and charged with theft under 5,000. The vehicle was impounded where it seemed to have been forgotten by the insurance company.

It took a year of constant calls and emails to the insurance adjustors. Adjustor finally paid 3,100 for the vehicle even though I had bought that vehicle for $4500 just weeks prior to theft and had provided pictures showing the condition of the vehicle. Their first offer was $2600. During the one year to settle this claim they paid $15,000 in storage and towing. If this was my only vehicle, how would I have gotten to work or lived?

Unfortunately this review won't accept zero stars therefore I had to rate them a one.

Interestingly the Insurance Ombudsman indicated that they were trying to push the claim past one year so they would not have to pay it.

I was left a vm indicating I had to call TD urgently, no other details were given. I called the # left on my vm and after waiting for more than 15mins to speak to someone, I was finally connected, only after 3 mins into the conversation the agent hung up the phone. So I had to call back and again had to waste more time waiting to be connected. Once I was connected, I asked what was the urgent matter about and the agent had no idea what I was talking about, after finally looking into the "notes" they have in the file, she said it had to do with adding all members of the household to my policy because in a previous claim I had made 2 months ago my bf was sitting in my parked car that didn't even have the keys in the ignition when some lady backed into my car and did a hit and run. But as far as I knew, the adjuster who was dealing with my case, had the file closed and nothing was ever mentioned to me at that time or any time about adding household members to a policy. So this was all brand new info to me. The customer service agent was rude and arrogant and even went as far as accused me of not following the law by not having my bf on my policy, when I had no idea this was necessary when NO ONE drives my car but me! I don't let anyone drive my car ever, never have. The agent continued to accuse me of letting my bf drive my car and then he even said, and I quote "if you have 1000 roommates they all have to be on your policy and you have to be on theirs!" He was trying to intimidate me and push me into adding my bf to my policy and I had to defend myself that no, I don't have to add him, he doesn't drive my car, I am disclosing that we live together yes, but that doesn't mean I have to add him to my policy. I told him my bf has his own car that he drives, and the agent said: "does he have insurance?". I told him "obviously!". Then even after knowing this information he continued to say "oh well he still has to be on your insurance, you're breaking the law!" Then I told him "I am a law-abiding citizen, how dare you accuse me of such a thing, you don't know anything about me! Send me the documents in the mail so I can familiarize myself with this information and after I fully understand the info I will contact TD myself to provide the appropriate details and after getting the permission from my bf to disclose his details". I called back the next day and escalated this call from that agent, it's supposed to be reviewed by a supervisor, that's not going to help fix the fact that TD customer service is the worst!! And on a different occasion, I had called to change my address because I had moved, and the agent said he "needed" a credit card number to update my address...which was a lie. He would not complete my address change unless I gave him a credit card number (and there was no outstanding balance or anything, I have a very good standing with my insurance and with my banks) I seriously think he was trying to scam. That call was also escalated and the manager called me back and apologized and told me that agent will be getting more training to support him. The people they have working in their centres are rude, arrogant, and extremely disrespectful! They are pushy and try to intimidate you to get more money out of your pocket! Stay away from TD insurance by all means!!! As soon as my insurance is up for renewal, I'm taking my business elsewhere!