Independent Auto Insurance Reviews

Meloche Monnex (TD Insurance) Auto Insurance Reviews

(31 reviews)
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Category: Switching, Cancellation
(2.0 out of 5 stars)
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Poor service

 
(2.0 out of 5 stars)
by QuickHit Feb 13, 2019
...I was with Meloche Monnex for 35 years without incident! I had a bad year after my father's death and wound up with 4 tickets. Meloche sent me a letter cancelling my insurance and only giving me a few days to make alternate arrangements. When I asked for an extension, they declined. After treating me so badly they had the audacity to ask me to return to them when my tickets cleared. I would not ever recommend this company to anybody and would never again use them myself. I had 2 vehicles insured plus my home insurance. I pulled all my insurance and went elsewhere. It turns out Meloche is not very honest. They claim to be cheap and I found much better deals elsewhere even with tickets...
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Worst. Customer. Service. Ever

 
(1.0 out of 5 stars)
by TDsucks101 Jan 23, 2019
...Never use them. I called in regards to my upcoming renewal and was told it was not processed yet. I was also told my payment date would be pushed back to reflect their late release of my paperwork. 2 and a half weeks later I received my paperwork, informing me the payment date was the same. I called in to see about pushing it back and was informed it was locked in THE DAY I CALLED to inquire about my payment. I was unable to secure the payment on the scheduled date but cancelled my policy due to their poor customer service anyway. They admitted their fault and offered reimbursement for the NSF fees. I was promised it would be deposited the following Monday. Monday came, no deposit. I called back and was informed that they had actually mailed cheques out. Nearly 2 weeks later, I'm still waiting. I call today to be told it would be a 2 to 3 week process to cancel the cheques and deposit the money directly. They also owe me $180 from my policy cancellation, but I'm not holding my breath on that...
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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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Cancellation fee

 
(1.0 out of 5 stars)
by Julia Jul 23, 2018
...I got insurance from TD because I got a “discount” from work. They told me it will be 375$ Canadian and I thought that’s a fair price because I’m a very young driver with no experience and I have a brand new financed car. I couldn’t afford the insurance, so I went to RBC and they gave me car insurance for 170$!!! I can’t believe I got ripped off like this. Also, they charge a CRAZY cancellation fee of 470$!! Which I was not informed about and they claim that the insurance is for one year which I was not informed about EVER. Shame on them for this ripoff!...
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Terrible Customer Service

 
(1.0 out of 5 stars)
by Easy Customere May 29, 2018
...The company said they could only process one transaction per day, and considered the cancellation of an auto renewal 2 months in the future my "one transaction". This is causing a huge headache for picking up my new car and transferring the insurance. Echoing other sentiments on this feed, customer service representatives are no well equipped and can't answer simple questions including "what is the cancellation fee" without a 20-minute hold and conversation with another department. Even if they are a few dollars less than the competition, I strongly advise against this company...
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Profits before people

 
(1.5 out of 5 stars)
by People Helping People May 03, 2018
...I just cancelled my insurance today after being with TD for 2 years. They charged me exactly $375.68 for 11 days of coverage when my monthly payments were only $267.84. I never made one claim, I have a clean driving record with no traffic tickets and my only downfall is living in Brampton. I found a cheaper rate with better coverage from Desjardins Insurance. TD has no loyalty and they are competitive only in your first year, so you're better off switching after your year is up. Talking to the service agents on the phone and asking how $375 for 11 days was hilarious... Insurance companies are a scam unless you make a claim or for those that choose to scam them first. If you have a clean record and find a better price somewhere else - be prepared to get stiff-armed by a company that is purely "profits before people"...
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