Meloche Monnex (TD Insurance) Auto Insurance Reviews

Let me say first and foremost that their customer service is 2nd to none, but this insurance broker is for groups only. It's completely worthless for average individuals. I've been with them well over a decade, my group was dropped, and my rates were jacked up ever since. Despite no claims or speeding tickets for well over a decade, my rates kept increasing. They will get creative with packaging products (i.e. lower deductible, Grand touring, blah blah blah) claiming it's free, but your premiums will keep going up. It's difficult to remove the extra products since they are grouped together "free", removing them yields little to no savings. Great customer service (you pay for it I suppose), absolutely overpriced insurance product for the average person.

TD Insurance did offer me a competitive auto insurance. However, the two main issues I had was with an accident claim (now off record) and heavily rising premiums the past couple of years, despite a good driving record. My claim for a US accident (not at fault) was not dealt with well. Due to slow case processing and a lack of will to pursue the incident due to complications with cross-border rules, I did not find the claims process fair nor easy to deal with. Despite not being at fault, I ended up taking a premium hit and absorbing the claim. Also, premiums have risen $1000 the past 2 years, a huge increase, merely due to the demographics of "other" drivers that live in the same neighbourhood. Where good driving and loyalty were once both considered a factor in competitive insurance rates, I find more recently that this is not the case and will be re-assessing my options upon renewal.