Meloche Monnex (TD Insurance) Auto Insurance Reviews

Let me start by saying that I waited 30 minutes to actually talk to a customer representative (who doesn't have call back service these days). The TD representative I spoke to was impatient, rude and didn't make a modicum of effort to help me out with an issue so minor that it required her to pretend to be polite for 5 minutes. Maybe she had a bad client before me but please don't spread your filth to your other clients. This isn't the first time I have received bad customer service from them. I have no trust TD Meloche Monex because who's to say i will receive any better service when I actually require to make a claim. They are very persistent in taking your money and its a one way street with no benefits. My suggestion would be to look elsewhere for an insurance provider !!

I had probably the worst conversation with an agent (Melorie) at about 10.15am today March 24, 2016. I'm considering replacing/selling one of my cars so I called for a quote for the new car and obviously I also called my former insurance provider "The Personal Insurance" and they had far better quotes and extremely friendly service and I felt like I was not being rushed off the call like with TD. It sounded like the TD agent had a customer count target for the day anyway I got agitated with the whole conversation and asked her if I cancelled the car insurance for the car I'm selling today whether that would affect the remaining car (I insure 2 cars and my house with them) She emphatically said yes but could not give me the dollar amount because of "system limitation " she could only estimate the increase (punishment for dropping off one car) at 15%- yikes. I then asked about my home insurance and again TD was significantly higher and with less items covered - I asked about matching and again this was a no but they got me to the retentions department and they knocked off some amount but not much. Knowing that I might also cancel the home insurance when it comes up for renewal I asked how this would affect my only car that would be insured with TD (since it still has a few month on the policy)and again they could not estimate it because of .........you guessed it " system limitation" ......this is disappointing but I have to look out for myself and my pocket .....I think its time to let TD clean up their act. This is sad for a company I truly respect. Other reviews here don't help either but I have a feeling TD may be a few bad apples and they urgently need to improve their systems unless this is a gimmick so as to spring up surprises whenever you want to cancel your policy. Customers should be provided with full information all the time so as to make informed decisions- this is era of transparency.

Had insurance with TD Meloche Monnex for 4 years at the time of my no fault accident. Accident happened in September 2014, visited their third party four times for assesment and their result for all four times turned out to be the same. Other doctors have different information from what they have all the time. One example, my wrist was damaged in the accident, td third party claim it's soft tissue injuries, other doctors said something else other than soft tissue is wrong with it. Ultrasound now shows inflammation.

I always wonder why people complain that their insurance company treating them like criminals at the time of a claim, and now I understand. I over heard the doctors conversation, TD third party saying that "these patients don't understand that what information we give the insurance company, that's what they go by, we get paid anyways". The next time I write about this issue, I will be putting the name of the company. I had no problems with TD before my accident, now I can't even successfully complete my classes in university and get over 60%. Sometimes I can't even get off my bed, I can't sit for more than 25 min, I can't bend, can't lift anything, having pinches in my back and legs and arms getting num but yet I have soft tissue injuries. I cry everyday because of many reasons, I don't know what my life will be like as of now. This is my second winter from the time of the accident and my pain just seem to be getting worst. TD neny all my claims until I see their third party even though they get proof from professionals. TD would put everything thru if was dead with no question ask. Sometimes I really wonder if these ppl are actually human.

I never thought I would see TD like this, but they are just like any other insurance company and they get bigger and bigger everyday because of us, their customers. But why do they treat us the way they do? They are only defending money they don't give a shit about our wellbeing.

My car was involved in a not at fault accident on a Saturday around mid October so I called TD on the Monday to report it.........No one got back to me till Thursday (no biggie) but, this adjuster was simply terrible. After he initiated first contact, that was it. I was the one that had to chase him around and call and leave messages like 4 times a day to get any sort of update. He wouldn't call me and tell me what was going on. My car ended up being a total loss and was written off and scheduled for their salvage company to come pic it up. Again I had to call to find this out. It was actually the salvage company that contacted me to tell me they were coming to get my car (I was like huh???), no word from my adjuster. Then he goes on holiday but leaves to forwarding number. so for 2 weeks I was getting transferred around and getting "you have to talk to your adjuster" at the end of it all. I was able to get a rental around Halloween time however.Then I call in again to settle everything and by chance I talk to an adjuster who was nothing short of spectacular. What I have been trying to get done with my useless adjuster for a couple of weeks she was able to complete in a few minutes. My checks where issued out (I got 2, towing and car write off). I had to return the rental however on November 9th. Now enters a new phase of the war. All of this was settle with the wonderful random adjuster on November 5th, now my useless adjuster comes back from holiday. I could go on and on but long story short. Today is November 23 and even tho my write off check was issued on the 5th (18 days prior) I still have not received it and I get a different story every time. Most frequently they tell me that its still in the mail........I got the towing check on the 9th. How can two cheques issued the same day be so far delayed. In total since all this started I have been without a car for about a month. On top of it all the customer service was horrendous, I lack the capability to literate into words how bad this experience has been ......And here I thought this is the exactly reason we pay insurance. To be insured when these situations arise......Thank you TD. I don't care how much more expensive my next insurer is, as long as they are in no way connected to TD I will be happy

was at not fault accident, police didnt give ticket, but TD marked it as at fault accident. 10 times i kept calling their claims dept, all they wud do keep transferring me from one person to other..customer service extremely rude. Its just a blind hole where we keep giving money and get no return..HATE THEM..

I was with TD auto insurance more than 4 years, never made claim, never had payment issues . and my renewal they added 90$ without any explanation, I switched to Co operators, and found cheaper than even what my original premium. Also heard from other friends that they are increasing the premiums of all their customers.
I am sure they are losing many customers.

I'm going to give you the facts...with TD I paid $550/month and that was with minimal coverage, being a relatively new driver (4 years). PC financial quoted $334/month and Belair quoted $210/month. TD upped my premium due to an at fault accident, however when calling Belair, they informed me that the accident was not on my record, apparently the other car never completed filing the claim. TD obviously has this information but has only increased my premium. In addition, the Manager from TD I spoke with was very rude and refused to cancel my policy even when I agreed to pay the cancellation fee. I am going to call again tomorrow because every rep or manager has something different to say. We shall see.

Was assured upon purchase that I would not have to pay cancellation fee if I was selling the car rather than switching insurance companies. Now that I try to cancel I am charged a cancellation fee without explanation of how it is calculated. The supervisor refuses to show me the actual auto policy claiming I have no right to look at the the policy in print and the official wording of it all only referring me to OAP and nothing specific. Then the manager of the customer service "respectfully" hangs up on me.

Ive been a customer for 5 years, then i made a claim, and experienced their customer service. 0/5, and on top of it, they keep jerking me from department to department when i keep asling to file a complaint for bad customer service, for several specific agents, such that it is impossible to actually even file a complaint, never mind get good customer service in the first place. I am definitely not renewing with this company. There are many other options, thank goodness.

We are with TD Meloche Monnex for last 4 years. We never had a claim, never got a ticket, luckily never had an accident. We also had house insurance with them from last year. As per our last conversation our insurance rate suppose to decrease for this year. But We are surprised to see that out rate increase 10/mo for next one yr. When I called they dont have any logical explanation. Even the ladies on the phone are telling that this is the minimum amount and there are no logical explanation why its gone up. I called 3 times and every lady on the other end has no explanation other than repeating this is the minimum amount. This is how they are treating their loyal customer!!