Meloche Monnex (TD Insurance) Auto Insurance Reviews

I used them for two years and in the third year I couldn't pay the annual fee at once, I paid $1000 Canadian dollars, but they still went ahead and cancelled my insurance and state that I paid late, and they will refund my money back. But up until this date, they have not refunded me. I tried calling the customer representative always says that they are working on it this August will make it two years. I am just curious if anyone has the same experience please advise.

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.

For absolutely no reason, my insurance rates got up by 80% at renewal with TD Meloche Monnex. Have been a client with them for 25 years.
Changed to another Insurance for the same rate I had previously.
Not a great way to retain clients TD…

TD Insurance 10+ years no claims. Rear-ended in a leased car. Towed TD Shop 100CressLane. Adjuster emails authorization to sign from 'FIX Automotive' giving them sole authority to repair the car how they want. Can't sign without knowing what will be done. If the frame bent, I don't want a cheap fix. She says “no it's just your authorization to quote the repair”. Didn't I give authorization 2 days ago when you towed my car? The car gets appraised by independent, not FIX - not repairable! Glad I didn't sign away the repair. Loss Department contacts and tells me to call my car company for a buy-out. 'Isn’t that your job?’ I google the number + the professional answering the phone says – why are you calling, its usually the insurance company? I say TD, she laughs. TD Adjuster replies "yes I was going to call them too, just wanted you to be involved in the process". Really? I have a job and I’m busy. And extra stress from the accident

Customer service wait times are 1h or longer, and don't blame COVID, it's been like that as far as I remember (probably over 3 years). Every time I call I need something it's 1-1.5 wait on the phone.
Irresponsible management. I am starting to shop around for a different insurance company and will be telling all my friends to stay away from you!

They are quick to raise rates with no claims but impossible to get a hold of on the phone. Waiting in queue for an hour now.

Trying to get through is a nightmare. I did find a trick though, if you go online and go through the process to get an online quote, at the end there is an option to have someone call you. And it works every time. They call within seconds. Apparently new potential customers get quicker attention that their long time loyal customers!!!!!

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.

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!