Meloche Monnex (TD Insurance) Auto Insurance Reviews

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).

I was switching vehicles and called TD to get my insurance switched to my new car. I waited on hold for over 1 hour and 15 minutes. Unacceptable. After I got through to someone, I expressed how important this call was, as I was picking up my new car the next day and needed the insurance papers faxed to my dealership in order to pick up my car. The rep was extremely unhelpful, and did not finish my requests. This resulted in me not being able to get my car when it was supposed to be picked up. I am extremely disappointed and will be switching my insurance with a new company because the service you provided was extremely unprofessional, and unacceptable.

They were good at first and then I was cancelled because I missed a payment by 1 hour.... 1 HOUR!!

They just want money and apparently they have so many customers in line they dont need your money.

I could understand if I didnt pay my insurance but i did and then for them to cancel me because I was a little late? and have no way of making it up to them... garbage.... don't waste your time with these guys. the Government should step in and put a stop to this monopoly that we have to go through just to want to have insurance.

See all the NEGATIVE reviews??

That is there for a reason, go somewhere else.

I've been insured by TD Meloche Monnex for over 15 years. I shopped around for quotes before my renewal in August and found several lower rates. When I called TD to cancel my policy, I was redirected to their retentions service. The man there told me they don't match rates with other companies, but once TD's discount for snow tires is implemented my rate would be lower than the other quotes I got. He told that all I had to do was call back in January to get my rate adjusted. Given that, I decided it would just be easier to renew with TD.

It's now January and the snow tire discount has been implemented. I talked to another CSR and she says I need to wait till August to get the discounted rate. She admitted that what the man told me was wrong but she could not do anything about it due to "system limitations."

I was lied to and cheated by TD. I thought TD had more integrity than this but I was wrong. Beware what the CSRs tell you, once they have you locked into a contract, they won't give a damn about you.

I have been with TD for four years always paid on time, but every year my rates went up. Both my wife and I have clean driving records and have been diving since 1974 and 1978. We drive an 06 Cobalt 10 km a day. This years they want 1934.00 per year. I got other quotes at half the price. So bye bye TD find someone else to rob.

I was previously a Meloche Monnex customer for several years up until 2012, due to the "discount" offered by my university for the group policy. At the time, I thought it was a great thing, but the adage of "you get what you pay for is true". I submitted two claims through them where they decided I was "at fault" - one a driver who by his own admission was asleep at the wheel reversed his car into mine (so, I rear-ended him, apparently) and the second, where I was rear-ended by a taxi driver, and I apparently "backed my car into the taxi" while I was parked at the curb. With this second claim, the insurance adjustor, the taxi driver, and the witness were all of the same ethnicity, so naturally they would all share the same story.
Due to my experience I can say with confidence that TD practices and endorses discrimination and abuse of their position. Go anywhere else and you will have a better experience.

Long term customer with Meloche (over 10 Year). My wife and I are both over 50, no at fault accidents in over 30 years of driving and both have clean records. We have two cars and our home insured with TD. Rates were reasonable but over the past few years have noticed rates creaping up even though we have never made claims. We have been in the same home for 30+ years with no claimes and our insurance went up 25%. I complained and they knocked it down by 10%. I sold one of my cars as we no longer need it and they raised the insurance cost of my single car by 32%. I have called 4 other insurance companies to get quotes and rates are 40% lower with the same coverage. I will be cancelling my car insurance and will shop around for my home insurance.

I tried to pay my bill by cash at the local TD bank with my bill in hand. The teller was unable to process the transaction ( the account # on the bill was in the wrong format). The teller tried to call meloche but was unable to get through. So I called meloche myself and waited on hold for 20-30 mins. The man from meloche told me the best thing to do was to send a certified cheque by overnight post. So I went to my bank got a cheque and jumped through that hoop. Later I called to get a quote to add my car to my home insurance. I was informed I had no home insurance. Apparently my bank printed an official cheque not a certified cheque. Meloche cancelled my home insurance without a phone call. I am told by my bank an official cheque is the same as certified. So I called and explained all this meloche and to tell them my bank would vouch for my story. Melcohes decision: I owe them $100 and I can't get insurance from them for 5 years.