Meloche Monnex (TD Insurance) Auto Insurance Reviews

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.

I've been with TD insurance for about 10 years in two different provinces and have had to call often for policy changes, address changes, adding and removing vehicles etc. I have never had a bad experience with their employees, they're always professional and knowledgeable both on the phone and via e-mail. I have also had to claim three different vehicle incidents - two not at fault, one at fault and one being a total write-off. While never pleasant, the experiences were about as smooth and hassle-free as they can be.

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.

I have been with TD Meloche Monnex for about 4 years, with one claim for hail damage a couple of years ago. The claim process was quick and straightforward. The car was written off and I was compensated fairly for the loss; they even waived the deductible. Overall I was quite happy with them. However, if you judged the scores on here, you'd never know! I suspect the score on here is heavily skewed by those with negative experiences... If you're reading this -- please do as I am doing now, and leave a review -- good or bad, it helps others out.

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.