Meloche Monnex (TD Insurance) Auto Insurance Reviews

After two decades with TD MM and without any tickets or claims, they raised my auto insurance by $1,000. They believed that there had been a mistake, explained that they would re-underwrite the policy and call me back within a week. Having not heard from them I called them twice without resolution (each time you call is approximately one hour of wait time on the phone. I re-priced the policy and found equivalent coverage for $1,000 less (the price of my previous policy with TD MM) and called to cancel my policy (as well as my homeowner's policy). TD MM wanted to charge a fee of $12 to cancel my $85 to cancel my homeowner's policy. So after 20 years of insurance coverage with TD MM, an unexplained increase of $1,000 to my auto policy, unfulfilled promises to return a call with an explanation, over four hours of waiting on the phone, they believe it appropriate to charge nearly $100 in fees to terminate uncompetitive policies. Surely, there are better alternatives to TD MM.

Absolutely atrocious customer service. A simple operation as changing address should be easy.

Unfortunately, I called 5 times, waiting 30+ minutes in queue each time and not getting my problem resolved. The first 2, their computer systems were down and the agent could not help me.

I tried again a week later. I reach an agent. He gets my name and policy numbers, takes my new address, puts me on hold. I get disconnected. I call back (30 min) and I get the SAME GUY. I say "I think we got disconnected" and he says "oh yeah" and then I have IMMEDIATELY disconnected again. I call a third time (30 min), get the SAME GUY A THIRD TIME, and as soon as he hears my voice I'm disconnected. He never calls or emails back.

So I send an online request explaining the situation and asking to cancel. Usually, when you do this, someone calls you to try to keep your business. But no, they don't even care that you want out; at least they cancelled my policy on the first attempt. Stay away.

I've been with TD for 20 years but enough was enough. Ridiculous wait times for everything, add-ons that were not explained or disclosed, excuses, late renewal packages (2 days before due), rude service, and rising rates that are no longer the cheapest. Good riddance!

Called to change my policy to new vehicle, waited 45 min on hold, talked to the rep for 15 min and got disconnected and he didn't even call me back even though he confirmed my callback number at the beginning of the call. Customer service 0.

More than half an hour, still no answer. It seems 2020 problems are not gone! I will wait and wait... until I talk to someone and cancel everything. We've been with them for more than 10 years, and it took 5 minutes to decide to change. Buying Meloche for what, losing customers? Wrong move TD...

They charged me more than 100$ a month after cancel policy and they did not let me know about it when I cancel my policy. And when I try to call I have to wait like more than an hour.

Horrible insurance company. I had them for car and home insurance. Never do business with them even if the rates seem reasonable at first.
As everyone said, wait times are ridiculous, it's by far the worst I've ever experience. Multiple times I was on hold for 1-1.5 hours, I just gave up.
They also overcharged me $900 on my car insurance, when I received the renewal documents I noticed they'd had my sister's accident on my policy. I've never had an accident. Even though they admitted it as their mistake, they would only give me $300 back of MY $900.
Also, my rates jumped significantly every year, and you can't get ahold of them to discuss it because of the disgusting wait times...

Hours of waiting just to change an address and phone number. Honestly the worst customer service ever.

After paying for rental these scammers won’t give you a rental and when getting insurance they will ask if you want rental. I don’t care if I’m at fault and you refuse my claim. I am entitled to a rental because I’m paying my money. When it’s time to withdraw my money every month I don’t call and ask you’ll to loan me the money I pay my hard earn money... it’s high time something be done about those scammers. Only insurance who will have a claim in for months. And only calls at night and always in a hurry you can tell a lot by these scammers

The hold times are incredibly high. I've been trying to cancel my home and car insurance to switch to another provider and so far I've called 3 times and my calls all lasted over an hour. The reps don't understand insurance themselves and can never answer your question directly. It's all "umm, ah, well it's complicated please hold" 15 minutes later. "On what date are you looking to cancel again? Okay, I'll be back" and this cycle goes on and on. I can't wait to replace these people.