TD Insurance Auto Insurance Reviews

I had been happily insured by Meloche Monnex for 30 years when TD bought them out. At the first annual policy renewal, my insurance increased 86%. The second year another 56%. I complained through all levels of management and their ombudsman with zero effect/reduction. In next two years around 10% increases. More complaints to no avail. This year another 3% increase. Finally, after 34 years with Meloche Monnex/TD I had enough and moved all my 4 vehicles to another insurer. I saved close to 50%/year!!! My advice to all TD Insurance customers: shop around, you are probably paying too much!

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

We have been with Meloche Monnex for probably 1996. Due to me being a professional engineer and apparent best rate.

We can say the first 10 years were great. 2nd 10 years - just pain with always calling to get my rates reduced as they always add extras. Now it is absolutely useless. Phone in number - forget it. Holds you for 15-20 mins then they hand up. Their driving app - probably the worst ever - try to call the help number - good luck. In 3 years - I have yet to reach anyone. The app is locked up for the last 2 years - no way to talk to someone. What a joke.

What a joke. I will be switching shortly. I found that another insurer has almost 50% less pricing! Don't waste your time.

Wait times are ridiculous, customer service is horrible. Rates double every year, no personal agent to deal with. I'll never use them again

Very long wait time when I called (45min). It was repeated several times. Unexplained and unjustified raises in premium. The rate is going up, as your car is getting older and less valuable. I haven't received any checks during the pandemic, although my car was seldom used.
High rates going constantly up, even if, I had no claim.
I would not recommend TD Insurance to any car and/or homeowners. Very poor service.

This is a deeply flawed and incompetent insurance. It is all about bumping up the premium at the slightest opportunity. The adjusters are all in the game. Don't let big name fool you. Any other insurance is light year better. I don't understand how a 100% fault judged by the police and at fault driver's insurance against the reckless driver would suddenly changed to 50/50 by TD insurance overnight. Awarding a 50% at fault against me for nothing is a very clear case of pure injustice for profit at all cost. Worse still didn't get to know until about a year renewal date and outrageous premium. My advice? Look else where if you want to keep your sanity. They will make you pay. My dealings with them comes to an end and will never recommend this bunch of incompetent people parading themselves as professionals.

Very very bad communication. If you want to reach a TD agent you can wait up to several hours. They keep on increasing high rate for car insurance every year, not worth and do not recommend TD .

I was shocked by the $400+ increase in the renewal. The effective date was mid March, but TD programmed my PAP to start in Feb. I called to stop the PAP to start in Feb because I want to consider cancelling the auto insurance with TD. I was told that if I cancel it before effective date in mid March, a full refund will be made. I did cancel the renewal and I received a notice saying that it will take them 30 business days from the Notice date to do the refund. In addition to the call experience, I called so many times and follow-up so many times and each time you wait on someone to answer you call.

Shocked by the cost of our renewal in 2020. Shopped around and paying 100 less per month with another insurer even with monthly program cost.

Happy to leave TD. Tried to get a hold of them by phone earlier last year and on hold for over 4 hours and no one answered. Covid is not an excuse (as the recording kept saying) when every other company can answer in a timely way.

After my one and only minor claimable collision, which cost the insurance company about $3,500, they jacked my premiums by more than 30% every year following the claim. During the claims process, the phone wait times were in excess of 1 hour to speak to a claims adjuster. In addition, the claims adjuster gave the wrong information to the collision centre that was fixing my vehicle.
I paid more in insurance in the years following than the cost of the collision.
I finally got fed up when they jacked my premiums again in 2021, and phoned to cancel the renewal. I phoned 37 days in advance of the renewal, at which point the agent told me that they would not debit my bank account for the renewed policy. 6 days later, they debited my account for the new policy.
I phoned again, and was told that they would refund the money in 30 days. Yes, folks, that's "30" days that they will be holding my insurance premium.
How's that for service? Stay away from this company.