Meloche Monnex (TD Insurance) Auto Insurance Reviews

As an update to my previous review, we still haven't received a refund. This is over $700 owed to us, as they cancelled our policy out of nowhere despite being paid in full. Additionally, I am having trouble cancelling our home insurance. We went with this company because of the Western student discount. Considering that I am active with the graduate student society, I am going to warn students away from this company and suggest that we partner with different insurance providers.

Sonnet had us re-insured, without fuss, within an afternoon. I would recommend their customer service.

AVOID. AT ALL COSTS.....The absolute worst customer service experience I have ever encountered. Different answers to the same questions from different people. They do not care in the least about your interests. Next to impossible to communicate with. Extreme lack of knowledge pertaining to their industry. As you can see by their overall rating on many review sites, am I not alone in my judgement. You get the idea. Do yourself a favour and don't waste your valuable time on this company.

I am baffled as to how this company stays in business. They are very antiquated with few online services, seeming to rely mainly on letters for communication. They claimed to have called as well, but either a representative put in the wrong number or that's false. Anyway, we were notified via letter that we didn't have all of the proper documentation for our insurance (this is 6 months into our policy) to satisfy regulations. Baffled, we contacted the customer service e-mail to fix the error. The insurance was canceled anyway, the company saying we had until the 2nd to fix the issue and time had passed. I have the physical letter that clearly said until the 12th. Canceled anyway, and I was berated on the phone by a representative that said they had tried to contact me several times and it was therefore our fault. We paid in full, have no accidents, no claims, a clean driving record, and Ontario driver's licenses. Yet they still canceled out of the blue and refused to salvage our account. They also made no attempt to refund until I complained. I don't know how they manage to stay in business when they treat customers like that, and miss out on $800 they have to refund (hopefully - I am still waiting). Avoid this company like the plague. While they offer discounts, their services are terrible, and now we're stuck with this record saying we were non-compliant as we shop for other insurance, even though we had perfect insurance records before. It's ridiculous and the strangest, most awful experience I've had with an insurance company. It's like they outright didn't want our business.

I am a 62 female with a perfect driving record. I signed up for the My Advantage app as I am a very careful driver. The app calculated that I would save 21% on my insurance. I got my renewal and instead of saving 21%, my premium went up 14%. When I contacted TD Insurance, they confirmed the discount was applied. I think the app is misleading to say the least and I am looking for another provider to move all my insurance needs.

TD insists on only using mail for communication, no matter the circumstance. They refuse to contact anyone for any reason using any form of communication other than mail. I had an issue with my mailing address and they sent about 12 letters, informing me that they were going to cancel my insurance due to a payment issue. Eventually, they cancelled it, without informing me by any method other than by mail (note that they had my email and phone number on file). I never received any of these notifications and was driving with invalid insurance for about 4 months because of this. Then, because I had an amount owing, they got their collection agency to contact me. They were able to contact me immediately, of course, since they tried any method other than mail. This is the only reason I found out my insurance had been cancelled. I paid them immediately. I have never had any issue with payment for any service in my life, except for with TD. If they had contacted me by phone or email, I would have been able to clear things up right away and would have taken measures to ensure this would never happen in the future. I tried to reinstate my insurance with them, but they would not grant me home insurance due to my previous non-payment, even though I had paid everything I owed in full. I went with another company, but they would not insure me until they had confirmation from TD that my account had been settled. So I went through the horribly long wait to speak with someone by phone, and after being put on hold multiple times, I was told they would send me confirmation the next day. I assumed this meant they would email it to me. However, when I checked with them two days later, it turned out they were mailing it to me. I spent about an hour trying to convince them to scan the document and email it to me or to just send me the original saved document, but of course, they refused. I cannot for the life of me understand what they have against alternate forms of communication. Why do they insist on doing everything with the oldest, slowest, most unreliable, and most expensive form of communication? To make a long story short, this company has the worst customer service of any company I have ever experienced, and will never contact you except by mail.

I tried to cancel my insurance. It became a 3-week process resulting in additional withdrawals from my account including a penalty. Very disappointing and frustrating. I would NOT recommend them to anyone. Stick with the smaller companies where you get more personal service.

I had a BAD experience with this customer service rep at TD, she never answered my questions or concerns...find another company for insurance

Horrible experience with TD auto insurance and home insurance. First of all, the sales rep were lying to the customers and trying to sell customers the service they don't need and walk you into a trap. You end up having a service that is not what you wanted and never needed. They are not there to help but to create more troubles for the consumers.