Independent Auto Insurance Reviews

Meloche Monnex (TD Insurance) Auto Insurance Reviews

(37 reviews)
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Category: Coverage, Conditions
(2.0 out of 5 stars)
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Be Careful what they quote u!

(1.0 out of 5 stars)
by CPA Dec 05, 2018
...1. When I replied to the email that I got the Insurance confirmation from asking to change something, I never got any reply! The confirmation was only a table including the basic information only in their own terminology and did not have any clarification of anything in detail on top of that it had wrong information about the lessee! 2. When I later called and asked to send me a copy of the terms and conditions or the contract that I am signing in order to commit financially, I was told that the system doesn’t do that and that I have to accept everything we talked about verbally and I should not see what is excluded in the contract and on top of that if I cancel, mid-term or even when the mail comes to see the contract, I will be paying one month cancellation fee and the agents didn’t care about anything and he said he’ll be happy helping me cancel right now before the policy starts. I have asked for a manager and the manager just simply repeated what he said and then told me this is the rule here, it’s only a verbal quotation, this is how things work in this company! This is neither ethical nor professional. I am very disappointed with a big company like this behaving in such a bad scammy way!!...
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Terrible experience

(1.0 out of 5 stars)
by Stupid to believe TD insurance Oct 23, 2018
...I have had no claims no tickets I even went along with their TD my Advantage app, and scored great on it. When my renewal for the first year came up, even though I had enough KM and enough length of time using the app, the discount wasn't applied as they changed the conditions of when to qualify. I continued to use the app for a full year after, surprise: I now qualify for the discount. With my great driving scores and having no accidents or tickets (nothing), they have decided that the risk has increased for an unknown reason and they basically increased my premium so that after the discount I ended up at the same previous insurance premium. Now I am stuck with the app because if I cancel the app, I will have a much higher premium than what I always had in the previous years. I realized how stupid I was when I believed their lies. Don't install the app, it's a trap and you won't be able to get out of it...
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Poorly managed

(1.0 out of 5 stars)
by Gicder Jul 27, 2018
...I had 2 cars insured by this company, one of them is 1997, and when I insured them, they said everything covered but now my car got stolen, they said they can’t do anything about it. Because it doesn’t cover an old car, I had to get additional extra coverage for the old car. ( The thing is I had to tell them to give me extra coverage, not knowing if things like that existed.) It is stupid that they don’t let you know that. When things like this happen, you don’t know what to do about it. For this company, make sure what is covered and what is not...
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Mixed Experience

(3.5 out of 5 stars)
by Jul 10, 2018
...I agree with the comments about slow telephone service. But, my encounters have generally been positive over the past 15 years. Except...for their changing the terms of my house insurance without clear, unambiguous notice. Read your documents...
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(1.0 out of 5 stars)
by Edmonton gal Jul 06, 2018
...Was in a no-fault claim. Car wrote off because they valued car incorrectly comparing to the wrong vehicle. After three days told to return rental per 'my' policy, even though other insurance covered it. No car for months, as a result, lost a job, missed mortgage payment, no access to the grocery store as live 35 minutes from town. 2 months isolated without transportation. TD would not advocate for me or cover me and this was after 30 years of paying into car insurance with no claims...
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