TD Insurance Auto Insurance Reviews

I signed up with TD Meloche Monnex for my home and auto policy. The first year the rates were good and they offered me an alumni discount. The customer service was great I was happy. Then I received notification that TD/Meloche Monnex was just going to merge. When it came to renewal time my car insurance by itself went up by $900 a year. I called and was like what...? They told me it was because I had a speeding ticket. Well, it was the same speeding ticket I had last year. They couldn't figure it out so they said a manager would follow up. That never happened. I called a month later and they said someone was still looking into it... I never heard back. They tried to tell me I would have to pay a cancellation fee even though I tried to sort this out before my renewal. I asked to speak with someone to dispute that. I never heard back. What a terrible process and on top of that all the representatives were extremely rude. All the representatives for TD/Meloche were wonderful. It's a shame...stay away

I have been with TD for more than 15 years.
Every year I thought it will get better next year but I think I was dreaming. I guess enough is enough. Very poor customer service. The staff is the script reader and has no focus on customer's needs. Long long wait times. Very frustrating.
I will never recommend this provider to anyone.

I called and waited 40 mins.
I called to discuss the renewal for the 3rd year with them.
Didn't get the discount promised if I use their app.
The agent had such a bad attitude and was so rude, that I decided:
"You know what, just cancel the policy (home and 2 cars)"

The biggest scam. For one thing, the rate they quote is only the rate if you pay multiple months up front, otherwise it is much more expensive. Second they notified me that they were just randomly upping the price of my policy, 1 month into the policy and that they would not refund me any of the up front months that I had paid. Customer service was thoroughly unhelpful and took 20 minutes on the phone, even after I had navigated through their AI assistant finally.

I have been a loyal customer for many years, insuring over three vehicles with your company and recommending your services to several friends and family members. However, I am writing to express my disappointment regarding a recent experience that has left me extremely dissatisfied.

Due to a bank error, I missed a premium payment, which resulted in me being required to pay the entire annual amount in one lump sum. I found this situation to be highly unfair and inconvenient, especially considering my long-standing relationship with TD Insurance. Although I immediately paid the premium upon realizing the issue, I was left feeling frustrated by the lack of flexibility and understanding in this matter.

The treatment I received in this instance has made me reconsider my relationship with TD Insurance. I deeply regret this experience and, as a result, I can no longer in good conscience recommend your services to others.

I sincerely hope that TD Insurance will reconsider its approach to handling such situations, as this kind of practice is not in line with the customer-first service I once believed you provided.

Kind regards,
Sylvester De Silva

Worst company for auto insurance. Agents can't get anything done. Takes forever to get out our an old clam to get insurance from another company. I would never ever refer this company to anyone. No one can speak English n always put people on hold. I wouldn't even give them a star, but had to get this out there.

I want to express my deep disappointment with the service I received from TD Insurance, particularly regarding the claims' adjuster. His handling of my case was highly unfair and appeared biased, which undermined the integrity of the process.
As a customer, I expect professionalism, fairness, and transparency in resolving claims. Unfortunately, my experience fell far short of those standards, leaving me frustrated and dissatisfied.
I strongly advise others to carefully consider their options before choosing TD Insurance. In my experience, his approach lacked fairness and the necessary knowledge to handle claims effectively.
I urge TD Insurance to review this matter and take appropriate steps to ensure better service for customers in the future.

Last year Nov, in a no-fault incident, my car was total loss. However, no agent contacts me after a whole month while I need the insurance coverage to rent a car. I have to wait on the phone line and after several attempts I finally reach the supervisor. I was told the agent who handling my case is not at the office and now another agent is assigned. Afterward, the compensation amount is far below market value of my hit vehicle, and it cost me one more week to bargain with the agent for a reasonable price. I immediately cancel it once the coverage period is over, still I need to schedule a phone call in order to cancel it. The customer service has bad attitude and does not care if I cancel it or not. Overall, price isn't attractive, bad CS, worst claim experience. I will NEVER use any service from TD, including bank service.

I had an extremely frustrating experience with this TD insurance. From the very beginning, communication was a nightmare. They rarely respond to emails or phone calls, and when they do, it's always with a rude and dismissive tone. Every time I ask for information or clarification, I’m met with vague, unhelpful answers. It's clear that customer service is not a priority here, and it's impossible to get the support I need. I would not recommend them to anyone — it's been nothing but wasted time, money, and frustration.

My vehicle was involved in a car vs. pole collision in August. I was woken up in the middle of the night and given this news by police, my partner decided to take my car without asking and fell asleep behind the wheel, totaling my brand-new SUV. I filed a claim within the hour, police file #included. The next day I was contacted by a man who told me I should know in 7-10 business days if they're going to approve the claim. 13 days later I was notified the claim would be approved and had a rental set up while waiting for them to confirm a total loss. 13 days later the rental company tells me insurance was pulling coverage the next business days, which I thought meant they deemed it a loss, I sent TD the bill of sale as I have the depreciation clause, and they requested it the week prior. An hour after sending it in, I was contacted by another rep from TD and told she was special investigations. She made me answer all the same questions again. Multiple times. Questioned my story about being asleep when police arrived and accused me of giving the keys to my boyfriend, tried to say he lives with me as an uninsured driver, then tried to say he was drunk. She tried to say there was no police report in the file, contrary to the prior rep who had the file in front of him in our last call. When I asked how long she would take to do her investigation, she stated it would take as long as it takes for her to be satisfied. I faxed her every document she requested beginning of September, then crickets. She did not return my voicemails or emails for over a month. Last week I had enough and emailed again, my displeasure was quite obvious, I threatened a lawyer if she continued to ignore me. Like magic, 45 minutes later, she calls me. Tells me she has confirmed my story as truthful, and I'll be getting the claim settled... That I would hear from someone on the meritorious team within the next couple of days... 9 days later, and I have yet to have any more contact. All while I'm still paying for my 2024 SUV that I haven't had in 14 weeks as well as paying insurance on it... And paying out of pocket for a rental… My initial 7-10 business days for a decision is currently 14 weeks and counting. Do yourself a favor and avoid this company at all costs.