Meloche Monnex (TD Insurance) Auto Insurance Reviews

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.

I tried to cancel my insurance. It became a 3-week process resulting in additional withdrawals from my account including a penalty. Very disappointing and frustrating. I would NOT recommend them to anyone. Stick with the smaller companies where you get more personal service.

Their rates keep going up and I rarely drive as I am a retiree with an immaculate driving record. I just don't get it!

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!

This company will do whatever they can to deny your claim. Also, investigator will want to interview you in your home. What a joke. Avoid this insurance company at all costs.

My accident occurred on December 2nd, 2016. There were issues with my vehicle once repairs were complete at the beginning of January. I have made several attempts to contact my claims adjuster, along with his colleague since January 5th, 2017. I have not received any responses from either individual.

Then, I receive a generic 'Closing Notice' in the mail dated January 30, 2017.

I attempted to present my problem to a manager on two separate occasions (February 24th and February 28th). In both instances, Claims Advisors assured me that a supervisor/manager will be in contact with me within 48 hours. No one has contacted me in either instance following the 48 hours.

I contacted the automobile claims department once again and spoke with a Senior Claims Advisor. She looked into my file and advised that the manager assigned to my claim, could no longer be reached.

My problem remains unresolved.

My ex-husband and I separated and I called TD telling them my new address and that if he made any changes to the auto insurance, to let me know. I was driving the car at the time. I found that my ex husband called and cancelled the policy over the phone and the cancellation letter was sent to his friend's address which was not on file. I called TD by chance and they apologized that they have in fact gone ahead and cancelled it because my ex husband said he sold the car. I had to send them the car registration with my name and tell them again that I had the car. They said that they would have covered me in the event of an accident if I had been driving without knowledge of my cancelled policy but they won't cover me now since I'm aware. I told them to mail me the cancellation letter but they haven't done so over a month. They can't tell me who they mailed it to and any details of conversation they had with my ex-husband even though they established that he was lying and endangered me and our 1year old child because of driving without insurance. Such a headache dealing with them. They don't answer my calls anymore. I m not going back to them.