Meloche Monnex (TD Insurance) Auto Insurance Reviews

-Sky high premiums. Search around, everyone you call will have better pricing
-horrible cancellation policies, very unforgiving

enough said.

My monthly insurance was $247 i was into 8th day of the month. I found a better insurance price which is $146 with exact same coverage somewhere else. So i decided to cancel, it was 8th day into the month and yet they still charged me $247 + another $13 just to put gravy on it.
Another thing i always have 2 cars insured. So i sold one of my cars waited for a month bought another. Called for insurance it went up by $15 dollar. I asked y they said cuz the car is newer even though it doesn't matter cuz its a third party coverage anyhow i let it go. Month latter didn't like the car so sold it and bought another one. Called again this time it went up by $4 asked y they said cuz its an older car. Anyhow to top it all off. Td isn't the greatest they don't care what kinda of economy situation we are in. They just want their pocket full.

So TD Insurance after ripping us off for more than 12 years, and increasing their premium, their last tactic if you want to add another car to your policy, you need to provide a registration before they give you insurance.
How stupid is that I don't know, I guess TD insurance want to walk away from every client who lives in the North East, or Airdrie, because all the hail storm that happening in this area.
Advice for everyone if you are with any of the TD insurance companies, call another insurance provider, and you will be amazed how much you will be saving.
If you have any bad experience with TD Insurance, please share so we all know we need to expose them, personally, I was able to find out few unbelievable stories who bad they are, rejecting hail damage claim, and so on.
Took me 15 years to figure out TD Insurance is suck.

This vehicle is a 2015 Subaru Forester XT pearl blue colour with only 9,300KM (approx. 5,600 miles) on it and it is in excellent condition other than the improperly done repair work.

The damage to the rear bumper cover caused by a hit and run, while the car was parked, was very minor but it required a replacement bumper cover due to the black textured portion being scuffed which, if that hadn't occurred, would not have needed a new bumper cover.

Took it to the "preferred shop" which painted the bumper cover the wrong shade of colour, it was too dark which was very noticeable and devalued the vehicle further and much greater than the accident damage cause. The vehicle was sent back to fix the problem but came back with the problem extended to both side's rear quarter panels by spraying them the colour of the improperly coloured rear bumper cover and there was overspray on the driver's side front and rear doors and the paint had orange peel. The vehicle was sent back to a different location of the "preferred" body shop which did a better paint job, no orange peel and the overspray problem was almost completely eliminated (there's still a little left) but the improper colour was extended even further along the sides of the rear of the car and, because of improper masking there's a line of paint forming a continuous line along the black portion of the bumper cover. Also, there's a stainless steel protection plate along the top of the rear bumper cover that was improperly installed, it has 3 places along the edge where it is puckered and not stuck to the bumper cover. As well, the rear mud flap on the passenger side is not tight against the rear side of the car at the wheel well. The bumper cover is not quite plumb with the tail lights, it is protruding a bit out on the passenger side under the tail light trim whereas on the other side it is slightly in under the tail light trim. That was the 3rd attempt to remediate the problem caused by the first repair attempt now they want to try a 4th time at a totally different body shop. We met the insurance company rep and the body shop owner and had a discussion but my wife and I have no confidence that the improperly painted repair will be remedied back to the OEM colour it should be. There's no guarantee that the paint colour of the repair will ever be done correctly, and there may be other problems such as described in the 3rd repair attempt or more than that. There's a lot more to this than what I've written but I can't deal with writing more about it. We are now dealing with the insurance company's customer service department but, considering what has occurred, we are not hopeful of a satisfactory resolution.

There are only so many words I can use to describe my experience with TD Meloche. Slow, unresponsive and unhelpful. The folks in the claims department will never take your calls and never return your calls. I don't understand how their performance is measured because they never seem to do anything. Go else where, if your car gets totaled, you will be left stranded for months.

I'm actually trying to pay them money and they can't help but interrupt me, talk over me and show attitude. I try to escalate and the folks in charge send me back to the call centre. Somebody needs to manage their image - their customer service is the worst I've encountered in the industry! I've had policies for over 20 years, so maybe it's time to start looking elsewhere...

I am so done with this company. Their customer service is atrocious.

Lately any change I have made to my policy has consistently resulted in a mistake made on their part that requires a lengthy telephone to call to resolve.

The person on the phone normally seems annoyingly unconcerned and unapologetic about the poor service and in one of the most recent events this person was a manager/supervisor who was curt and rude leading me to beleive that the companies issues are systemic.

I have been paying just south of $10000 a year for auto and home policies and I am certain I can find a company that is more deserving and appreciative of my business

After moving from Alberta to Ontario, I had a horrible experience trying to update my policy. The phone call took an hour, the rep couldn't give me an accurate quote (he gave me a quote that was $100/month above other Ontario quotes). I get that the amount can be different from company to company, but $100 difference just doesn't seem accurate.

After finding another insurance company,I decided to cancel my policy since the rep couldn't look at my quote and logically think through the problems and realise that maybe he had input some information into the system incorrectly.

When I called to cancel, I advised that I was cancelling because I couldn't get an accurate quote and the customer service was so poor. They refused to waive the cancellation fee. The company clearly does not stand behind their service.I asked to speak to a supervisor after being sent to loyalty and I was told that the customer service rep was his own manager.

I went on the website to see what the company mission and values were - "Our Promise: Exception Customer Service, Superior Value" which speak directly to the two issues I was having and the exact reasons I was cancelling but apparently those reasons, the Promise the company gives to all customers, wasn't a good enough to warrant waiving the cancellation fee (which is optional as per industry standards).

As insurance companies work mostly over he phone, the lack of transparency, follow up, communications and integrity is sorely lacking at Meloche Monnex. I was a customer for over two years and paid $120 monthly, I was told that I had the comprehensive coverage yet this month for He first time I called about two small items, my windshield that has stone chips from the highway and a scratch from someone vandalizing my car by keying the side of the body. After numerous transfers, voicemails, promises of managers calling back and wrong as well as conflicting information being provided every time I call- I decided to cancel my insurance policy with TD. They do not care about the customer at all. They did not acknowledge their error whatsoever. They stuck to the script and each person would repeat that I was sent insurance policy by mail and henceforth it was my fault all along. It doesn't matter to them that they have made a mistake and that they should at the very least apologize and try to retain the customer. They have completely alienated and upset me because they are thieves. TD should be sued for their business practices.

Well, I've got a quote over the phone from them for 90$/M for the auto insurance. after I received the confirmation, i noticed 100$/M !

When I called them back, they told me "sorry! it was an error but the correct quote is 100$!".

Total conversation time 2 hours (half of this time on hold) and at the end they didn't change anything! Frustrating customer service and no respect.