Meloche Monnex (TD Insurance) Auto Insurance Reviews

When I first called them to get my insurance we barely waited anytime. I recently had a license change and want to update my insurance plan, I have called them three times in the last four days and the hold time in the total of those three calls has been 2 hours and 15 minutes, and I am currently still on hold. They must be experiencing crazy call volumes because I was on hold for an hour the other night with no answer... Ridiculous How much time should it really take for someone to update their insurance...?

TD Insurance is saving me approximately $40 a month from my previous insurance company. I said yes to using the TD driving app on my phone although I really don't want it. I read that it uses a lot of battery and is almost impossible to get a good driving record using the app. You have to call TD to register for this app and get the code. I almost never have a lot of time during the day to sit for over 30-40 min on hold. As of right now I have called 4 times this week and am over 3 hours on hold and counting. My current call is 42:04 on hold and still no answer. This is really frustrating because it is to get a code for an app that does not function properly but want the possibility of lower insurance.

I was with Meloche Monnex for 35 years without incident! I had a bad year after my father's death and wound up with 4 tickets. Meloche sent me a letter cancelling my insurance and only giving me a few days to make alternate arrangements. When I asked for an extension, they declined. After treating me so badly they had the audacity to ask me to return to them when my tickets cleared. I would not ever recommend this company to anybody and would never again use them myself. I had 2 vehicles insured plus my home insurance. I pulled all my insurance and went elsewhere. It turns out Meloche is not very honest. They claim to be cheap and I found much better deals elsewhere even with tickets.

Insurance provided by this company is truly a money-for-nothing scam. They won't explain the reason for things and just use the same stock phrases over and over again instead of (and to avoid) giving you actual explanations. Some reps want to help, but there's always more than one involved and eventually another one will undo this. You might save a bit of money in the short term, but in the long term, it will cost you a lot more. So take your time and money somewhere else.

Terrible Customer Service, very long wait time. Also, I had TD MyAdvantage app on my phone for more than a year and drove a lot more than 1000 km, which is the min requirement, but after a year they did not give me my 22% discount, which shows on my app. They told me that I have not driven 1000 km, which I did. The app simply works if you have a certain setting set on your phone, otherwise won't work properly and will not record all your trips.

This company is extremely hard to get on the phone! You must stay on the phone for periods of over 30 minutes or so while they continue to shout advertisements for their products at you. Because of this, I have decided not to do any more business with TD!
The ONLY good thing is they are not that expensive.

This company does not have enough agents on the telephone. Wait sometimes for several hours to talk to someone. (I waited 2.5 hours once then gave up)

TD insists on only using mail for communication, no matter the circumstance. They refuse to contact anyone for any reason using any form of communication other than mail. I had an issue with my mailing address and they sent about 12 letters, informing me that they were going to cancel my insurance due to a payment issue. Eventually, they cancelled it, without informing me by any method other than by mail (note that they had my email and phone number on file). I never received any of these notifications and was driving with invalid insurance for about 4 months because of this. Then, because I had an amount owing, they got their collection agency to contact me. They were able to contact me immediately, of course, since they tried any method other than mail. This is the only reason I found out my insurance had been cancelled. I paid them immediately. I have never had any issue with payment for any service in my life, except for with TD. If they had contacted me by phone or email, I would have been able to clear things up right away and would have taken measures to ensure this would never happen in the future. I tried to reinstate my insurance with them, but they would not grant me home insurance due to my previous non-payment, even though I had paid everything I owed in full. I went with another company, but they would not insure me until they had confirmation from TD that my account had been settled. So I went through the horribly long wait to speak with someone by phone, and after being put on hold multiple times, I was told they would send me confirmation the next day. I assumed this meant they would email it to me. However, when I checked with them two days later, it turned out they were mailing it to me. I spent about an hour trying to convince them to scan the document and email it to me or to just send me the original saved document, but of course, they refused. I cannot for the life of me understand what they have against alternate forms of communication. Why do they insist on doing everything with the oldest, slowest, most unreliable, and most expensive form of communication? To make a long story short, this company has the worst customer service of any company I have ever experienced, and will never contact you except by mail.

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.

I had a car accident and followed through with my claim, two weeks later, I have recieved calls for car financing and mail for the same in droves. I have never had this much mail (three inserts per day) nor ever had unsolicited calls. What's up with that?