Meloche Monnex (TD Insurance) Auto Insurance Reviews

I will NEVER get insurance from them again!! Every time I call, I’m waiting minimum an hour. I’ve had to call MANY times for a rental car that I was told “will be covered until the claim is done”, the rental company was calling every day asking if I was bringing it back. I was charged for another month of insurance and I don’t even have a vehicle anymore due to the accident. Not at all organized and very unprofessional. They need to get their act together.

I just cancelled my insurance today after being with TD for 2 years. They charged me exactly $375.68 for 11 days of coverage when my monthly payments were only $267.84. I never made one claim, I have a clean driving record with no traffic tickets and my only downfall is living in Brampton. I found a cheaper rate with better coverage from Desjardins Insurance. TD has no loyalty and they are competitive only in your first year, so you're better off switching after your year is up. Talking to the service agents on the phone and asking how $375 for 11 days was hilarious... Insurance companies are a scam unless you make a claim or for those that choose to scam them first. If you have a clean record and find a better price somewhere else - be prepared to get stiff-armed by a company that is purely "profits before people".

I'm an engineer. Have a home and 3 cars in Ontario. Took contract engineering position in BC. Bought a truck in BC for the 2yr contract and got a BC drivers licence. My wife still lives in the home in Ontario and all the cars are there. I come back once a month for 5 days. MM cancelled the insurance on the cars in my name after 20 yrs because I no longer have an Ontario drivers licence. The agent said I wasn't allowed to drive in Ontario.

Their initial response to a claim is helpful and efficient. They will pay invoices from their business partners, such as body shops, quickly and without question, even when, as in one case, the invoice was fraudulent. Their handling of repair claims is satisfactory as far as the policyholder is concerned. The picture changes when they have to make a payment to the policyholder, and it can take months of haggling and even legal threats to reach an acceptable settlement. They drag out their responses, presumably with the intention of wearing down the policyholder, and their staff give the impression that they there to defend the company rather than help the client. Their process for assessing the replacement value of a stolen or totalled car is bizarre. It would be irresponsible to recommend them to anyone.

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.