Meloche Monnex (TD Insurance) Auto Insurance Reviews

Rates are several hundred dollars cheaper and any quote I've been able to get online. Never had any problems with claims, they pay shop directly. Only issue I have it having to pay the deductible for a hit an run.

Took three calls of about 30 minutes before I got through to a representative. Once I was able to speak to someone the service was excellent and rates were lower than the online quote suggested. I was about to give up based on other comments here but glad I persisted.

I was fortunate enough to get help from a representative - Customer Service on August 13, 2020. This gentleman is very knowledgeable in any sense and very helpful. He will help you in any way he can to navigate your needs. I must say I have been a customer of TD Meloche Monnex for 20 years and this is the only time I was impressed with TD Insurance Customer Service or any Customer Service as a matter of fact. They should have more knowledgeable Customer Service Representatives like he, after all, they are sort of the front line of the Company. MANY THANKS FOR ALL YOUR HELP!

I had my first ever experience with TD insurance in March/April 2016 (after being with them for about 7 years). I have mixed feelings about the process. We purchased the extra "Cost Replacement Solution" for our 2015 vehicle. That vehicle was written off in a not-at-fault accident, and TD provided (over the phone) the reimbursement cost of a new vehicle of the same model and trim level of the car we had. I had already done my research on the cost of a new car, so when it was quoted to me at about $6,000 less than expected I was flabbergasted. After a bit of pressing, I was e-mailed their report they received from our dealership. I was able to see by this we were being cheated by both the dealership and by TD. First, the report shows the cost of the car minus the incentives at the time (which is $3000 off if buying cash). We did not buy the car with cash - we were financing. Incentives for that is $1500 off. Also, for some reason, the salesman at the dealership offered the insurance company the price of the car without the dealer inflation. This is not a price any Joe Blow can walk in off the street and get by the way. Also, we did our own research and the trim level that we had on our car was now rare to find, and there were no colours left of what we wanted. We now had to look at a 2017 model which is even more money.
In the end after trying to get the value back that was equal to the car we just lost, we believe we received a fair deal. But it took a bunch of e-mails and phone calls to get this. All told, we're probably out $2000 on a $27,000 car.
The gentleman we spoke with was a nice enough fellow. I understand that he's trying to get the best deal for TD, but with enough pushing you can get more than the initial quote. Also, I didn't like how pushy TD was about when to return the rental vehicle. I needed a rental until I got a new car, and they were only willing to give me 2 business days. Luckily, we were able to get a new car, and approved for a loan before even paying the other loan off.

We moved our insurance over to Meloche Monnex because the quote was substantially lower than our previous provider. We have found the customer service to be good, however we have never had to make a claim.

They were very quick with my claims service, and compassionate. I only had to make 3 calls, one to notify, one to set up a rental, and the 3rd to negotiate my claim amount.

I appreciate being able to pay premiums monthly without interest. I have called them several times over the years and have only been met by great customer service. Feel I get great value for my premium and receive varius discounts for age, accident free and more than one policy with them.

I can't speak to other people's experiences with Meloche Monnex, but I've never had issues with them. I've been in a few fender benders, but each time I phoned in my claim all they asked for was the police report number and what collision shop I wanted to go to, and when I arrived at the garage an hour later, the paperwork had already been completed and a rental car was waiting for me. Several years ago, I had the misfortune of striking a pedestrian. The company hired a first class law firm that managed to get the case dismissed without a trial, without mediation, without even having to give a deposition. And in most cases, including that last one, the deductible was waived. They're not quite the least expensive, but I trust them for both home and auto. I'd recommend them to anyone. I've always received white glove treatment, and I appreciate that.

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.

I was rear-ended on a Friday in November. It was my first accident, so I was nervous about reporting and insurance procedure. The process that TD Insurance has in place cradled me from my first report to them to completion of repairs. I was guided along and felt well looked after throughout. When I reported to the police collision centre, I was given a TD Meloche Monnex Insurance instruction sheet. I called the TD Insurance number on the sheet and a pleasant professional took down my details. It did take 50 minutes on hold waiting to get a rep; that was the only negative though. On Monday a personable and highly competent claims adjuster called me and fully explained the course of action as well as patiently answered all of my questions about repairs, a rental car and possible effects on my policy (none). Her kind attitude and words reassured and comforted me during this stressful time. During the repair process, the adjuster stayed in touch with me by email; I was kept in the loop. I chose to go to one of the repair facilities that was accredited by TD Insurance, so all paperwork and expenses were handled directly between TD Insurance and the repair facility. In a week I had my car back; it looked as good as new. I was pleasantly surprised at how easy and smooth the process was, a sign of excellent organization and coordination behind the scenes. Kudos to TD Insurance for their staff and also for their excellent process. The proof of an insurance company’s quality and value is in their service. TD Insurance deserves a rating of 10 out of 10. I recommend TD Insurance to everyone for their Insurance needs.