Meloche Monnex (TD Insurance) Auto Insurance Reviews

I am young and work in the insurance industry. I am my 3rd year of being insured with no accidents, yet premiums went up on renewal. The logic behind their pricing methodology makes no sense to retain customers. Most providers would absorb any market increases for no/low-risk clients to show that the value loyalty and as there is no justification, yet the chose to increase rates anyhow. In terms of pricing for COVID, they are providing reduced rates which is great of them, however, the mandate came into effect late May and is only effective after that point in time. Most insurers would backdate this premium rebate to the date where people were no longer commuting, April 1st unless there were claims made within that period of time. While they do offer very competitive rates right off the bat, the company seriously lacks any client retention initiative.... and if you have to pay a little more for another insurer you will probably profit off of it with rate reductions for a good record in the long run.

Hello, I had to call TD today as my payment for my premium did not go through so I was at risk to have my policy terminated unless I paid what was left to pay (over 2.5K). I could not afford that and had missed the payment as I did not get paid and just paid for my permanent residency so I was left dry... The insurance advisor, did everything he could to get me back on track and now everything has been settled. I can't thank him enough for how good he was and how amazing of a customer service experience he delivered. Thank you again.

After the accident, and reporting it to the police. I was unsure about how the claims process would go. Now that it is done, I can tell you it could not have gone smoother. The newly built site in Oakville was warm and welcoming. We were assessed and out the door with a rental in less than 30 minutes. The staff was approachable, informed and kind. When I returned to pick up my car, we were pleased to see the repair was done almost like brand new. Leaving the lot, I thought to myself, this how auto insurance claims should always be handled.

When I call TD, yes there is a wait, especially during the mornings. I usually avoid calling them between 9-1 because it's REALLY hard to reach anyone. Generally speaking, the service has always been good for me but from time to time, certain representatives get lazy and they want to finish the call asap so they don't help you to the best of their abilities. One representative asked me a bunch of questions and tried his hardest to give me the lowest rate possible by applying all the discounts (he actually spent a long time with me over the phone and sounded very nice and caring). Claims: I had one claim for vehicle damage. I never claimed accident benefit so I can't comment on accident benefit. For vehicle damage, my adjuster wasn't very friendly. I thought he was mean and I felt a bit bullied at times. After the accident, I was very emotionally vulnerable and had a hard time sleeping and eating. On the plus side, my adjuster would respond to calls and emails very quickly (usually within the day). He would also follow-up with me constantly and make sure my file went through. I just didn't like his anger towards me. I was always nice to him over the phone and I always sent him the documentation he needed to move the file along. Other than his attitude, it wasn't terrible. I just can't rate my claims experience 3/5 or higher because he did upset me a lot during certain phone calls.