Meloche Monnex (TD Insurance) Auto Insurance Reviews

After a month of trying to claim $169.00 yes $169.00. for a windshield replacement on my 2015 Mercedes 550 SL, they refused to pay.
I had checked with the Mercedes dealer as well as a dealer I usually take my car to for serving. On what the cost would be to replace my Windshield, both dealers said around $2600.00. These quotes were submitted to TD Insurance. TD came back saying they would replace the windshield through their own connection and it would not be an original from Mercedes. I would not accept having it replaced with something I wasn't
satisfied with. After my $1000.00 deduction, TD was willing to pay $169.00, I had the replacement done by my dealer for $2600.00 paid it myself, and then claimed the $169..00 from TD. Believe it or not, they refused to pay me $169 because they didn't do the work. I cancelled both my car insurance policies with them that I've had for over 40 years at around $5000.00 per year and no claims.

The vehicle was stolen, advised TD the same day. Found out later that they continued charging us for the vehicle insurance for months afterward. Even an SAAQ receipt from a few days later indicating that the vehicle was no longer allowed to be on the road was not sufficient to cancel the insurance! TD will not refund our money for the useless insurance unless we provide a special document from the SAAQ. First, we hear of it months after the fact. What an incompetent and obtuse organization.

Terrible insurance company!
My rates were raised by 30% in one year for absolutely no reason!

The absolute worst insurance company I have ever dealt with. I filed a claim in April 2021 for a total loss. They offered a fraction of the car value and getting a hold of the adjuster was a nightmare. They asked for additional information and I had to send the requested information multiple times. I would never deal with this insurance ever again.

My wait time to renew my car insurance now stands at 1 hour 42 minutes and counting. Please don't tell me that wait times are longer than normal because my experience is every big company I call has long wait times but this is not normal.

I have been using TD for about 15 years and after an accident, they are not covering my physio after 6 months.

Never any agents available to speak. I’ve been told multiple times they’d look into clear glitches in the app (I emailed them multiple screenshots to illustrate the glitches). No reply, no follow-up, and when I called to follow up, both times was told they had no record of this issue or any investigation into it.

I have been with them since 2000. No tickets no in-fault claims. My insurance went up 40-50%. Now they started instalment charges of 1.3% for car & 3% for house.
I called for changing policy from an existing car to a new car. Waited for 15 minutes to have someone on the phone. I was on the phone on Friday afternoon for more than 2 hours(2:14:14). The agent had no clue of what was she doing, changed my premium $ 3 times & each time came up with a higher amount & said she made a mistake. I tried to stay calm. Finally, I said do you know what are you doing? At this point, she said, " I will get a manager for you.".
I am looking for another insurance company.