Independent Auto Insurance Reviews

Meloche Monnex (TD Insurance) Auto Insurance Reviews

(73 reviews)
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Category: Claim Exprerience
(1.8 out of 5 stars)
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Great experience

 
(5.0 out of 5 stars)
by L.Lee Jun 19, 2020
...I just want to share my experience with TD Meloche Monnex. May 2016 my bumper was damaged by someone trying to back into space beside mine. Luckily it was caught on dashcam and was able to read the licence plate and report to police. File claim online and got an appointment at the TD repair center. As the repair center was not familiar with my car (Tesla), I was sent to a special repair shop. I was offered a loaner vehicle but did not use it as I had another vehicle to use. The repair was done within a week and payment directly with TD. Everything went smoothly and no hassle...
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Terribly

 
(1.5 out of 5 stars)
by td Feb 09, 2020
...Their customer service is terrible, it's so hard to get anyone on the phone. Updating your insurance takes 30+ days on their app/website. They've multi-charged us a few times and the only way to fix it, IF you catch it, is they'll charge slightly less per month for the rest of the year to make up the difference. Horrible. The one claim I've had in 30 years, they dropped the ball massively, didn't pay the damages for like 6 months. It took forever and so many calls to finally resolve. The last straw for me was that they'd stopped mailing updated insurance papers every year, so I was walking around with a 3-year-old insurance paper in my wallet and no way to get updated ones (unless I want to sit on hold for hours). I couldn't rent a van because their app was also down and I had no proof of insurance. Thank god I wasn't pulled over by the cops. I struggle to imagine any way they could be more negligent...
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Seamless

 
(4.5 out of 5 stars)
by bmk Feb 06, 2020
...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...
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DO NOT INSURE TRUCKS

 
(1.0 out of 5 stars)
by jessy Jan 28, 2020
...I was told that using my truck in any way makes my insurance null and void as that means that I need commercial insurance. So, when I had an accident and I was NOT AT work or doing any work at all then I was told that they found out I use my truck to move furniture for my business back and forth from my storage. When the accident happened they DID NOT PAY OUT ANYTHING and told the other person to SUE ME! Most terrible company ever! After they cancelled me they told me to get insurance elsewhere and then still continued to take money out of my account!!! What kind of scam is this... I paid collision insurance for years and they don't want to pay... Then they told me if I want to stop the 150 dollars coming out of my account then I have to send an email with my new insurance pink slips and then when I did they told me I had to cancel it by sending the pink slips as this disorganized group don't know how to open an email. Do not insure a truck with this company...
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Good service but claims is...

 
(5.0 out of 5 stars)
by ilime Jan 02, 2020
...When I call TD, yes there is a wait, especially during the mornings. I usually avoid calling them between 9-1 because it's REALLY hard to reach anyone. Generally speaking, the service has always been good for me but from time to time, certain representatives get lazy and they want to finish the call asap so they don't help you to the best of their abilities. One representative asked me a bunch of questions and tried his hardest to give me the lowest rate possible by applying all the discounts (he actually spent a long time with me over the phone and sounded very nice and caring). Claims: I had one claim for vehicle damage. I never claimed accident benefit so I can't comment on accident benefit. For vehicle damage, my adjuster wasn't very friendly. I thought he was mean and I felt a bit bullied at times. After the accident, I was very emotionally vulnerable and had a hard time sleeping and eating. On the plus side, my adjuster would respond to calls and emails very quickly (usually within the day). He would also follow-up with me constantly and make sure my file went through. I just didn't like his anger towards me. I was always nice to him over the phone and I always sent him the documentation he needed to move the file along. Other than his attitude, it wasn't terrible. I just can't rate my claims experience 3/5 or higher because he did upset me a lot during certain phone calls...
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Bad driving record? Your insurance rates can be double the standard insurance rate. Let us help you get the better auto insurance rate without breaking the bank.
 

Worst service ever!

 
(1.0 out of 5 stars)
by MG Dec 04, 2019
...Worst insurance company! I had an accident and took over a week nobody responded to me, everyone you call was voicemail and they never got back to you! Why there is someone still insured with them...
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Very Low Quality Service

 
(1.0 out of 5 stars)
by Express Nov 08, 2019
...I would recommend switching to another company. TD Meloche Monnex - Auto Insurance has a very low-quality service. The claim adjuster did not receive or reply to my so many calls and voice messages. I would give them no star in my review if I could...
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Absolute garbage

 
(1.0 out of 5 stars)
by Appalled and disgusted Oct 28, 2019
...I really wish I would have read the reviews before I purchased insurance from this company. I had an accident with a car that I owned for 6 months. First accident first time dealing with an insurance adjuster, what a horrible experience. Wait times to talk to someone are ridiculous 1-2 hours even more. I left for two weeks every single day telling my adjuster how important it was that she call me back. I didn't get a call back until I filed a complaint with the manager. My brand new car that was in the accident they fixed it with used parts from a scrapped vehicle 2 years older than my own. The car does not feel the same as before the accident. Customer service skills are disgusting! The absolute worst insurance company I have ever dealt with! Needless to say, I cancelled my policy...
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So Frustrating

 
(2.0 out of 5 stars)
by Will Change Companies Oct 24, 2019
...Like others, I have been on hold with TDMM for well over an hour listening to the same three-second loop of music. Their customer service in that department is lacking. Recently though, I have gotten to speak to someone with much shorter wait times. Currently dealing with an adjuster for a not-at-fault claim. She will not return my calls or respond to my emails (three voicemails and three emails requesting a call over the course of this claim, zero responses). Then, she had the audacity to send me an email with a form letter component saying they strive for "legendary customer service" and to let them know if I have any questions. I have questions, she just won't answer them...
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Bad driving record? Your insurance rates can be double the standard insurance rate. Let us help you get the better auto insurance rate without breaking the bank.
 

Terrible customer service.

 
(1.0 out of 5 stars)
by Amish D Oct 10, 2019
...Claim 1. Auto repair - authorized (and recommended repair shop) made multiple errors in repair. I had to go back 3 times, no support from TDMM. Claim 2. Auto repair - adjuster delayed, and then disappeared. 4 calls to customer service (45-75min hold time per call), over a 4week period, to find out adjuster left the company and no one else was assigned. By now, 1 year had expired and they would no longer fulfill the claim. Claim 3. Home Insurance. Concerns that TDMM may have changed my policy without approval. Called 4 times (with lengthy wait times) over 2 months to get more info - was told a manager would call me back with details. No call received. Finally, I called back a 5th time and got a supervisor on the phone. Claim still in process, Regardless of the outcome, will be leaving TDMM this fall. They exemplify the stereotypical insurance company with processes designed to decrease their financial obligations...
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truly disgusting experience

 
(1.0 out of 5 stars)
by Franz Oct 09, 2019
...I had a claim that I called and cancelled as I found a more cost-effective alternative elsewhere. It was with utter shock I received an mail nearly 2 years later stating I owed over $700 in unpaid insurance. All my attempts to reason with TD fell on deaf ears. I provided documents showing I had active insurance elsewhere and even went as far as contacting my phone provider to get records of prior conversations I had. I wrote TD multiple times with no success. This has left me with rising deductibles with my current insurance. It truly is pathetic that companies will do anything to reap people of hard-earned income. I will do everything in my power to dissuade anyone thinking of doing business with TD to think twice, the experience is just not worth your hassle...
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If you have a good driving record in AB, you should pay around $110/month (women - $105/month and men - $113/month). Do you overpay? Get an Alberta car insurance quote to start saving.
 

Unprofessional

 
(1.5 out of 5 stars)
by FMM Oct 07, 2019
...I sent in an appraisal that they say they "needed". I followed up a week later and they said they have to review it and get back to me and that I shouldn't expect them to accept the full amount of my appraisal... So what is the point of getting an appraisal if they won't even honour it? On top of it all, my average wait time is 45 - 60 mins to get through to them. I will be spending my afternoon shopping for a better company, this company is a joke...
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