TD Insurance Auto Insurance Reviews

I got the app last year to help lower my rates. I used it consistently for a year and was projected a 21% discount on my premium. When renewal came, I did the math myself and turns out I only received about a 10% reduction in my premium. I called support, waited on the phone for 30 minutes and when I explained it to the representative, even he had nothing to say. He said he’d forward my request to a manager and I’d hear within 48 hours. A MONTH later I received 2 missed calls in 2 days (no message left). Two weeks later, I got a letter saying there was information missing on my account. I call and was transferred to customer resolution who gaslit me telling me they only received my request a few weeks ago and left 2 messages and followed all procedures. The reason for the discrepancy is “normal” policy increases. If you can, steer clear of TD Insurance.

Premiums only increase despite not having tickets or claims. I was forced to reduce coverage in order to afford $. There had also been items on my policy that I never approved or knew of.
Service is non-existent. They do not make you feel heard, acknowledge the complaint, express empathy or help. To speak to a supervisor they request for you to receive a callback, which you never receive.
Despite having my card on file and me authorizing payments my policy was almost cancelled due to non-payment. I spent 15 hours/4 calls trying to reach them & sent online messages.
2021 I was charged for updating my mailing address but not told until months later. I was told my premium was a certain $, but an agent 2 calls later told me it was actually less $. I owe them money, somehow, despite them charging my card.
There is a lack of transparency, you have withheld info or told incorrect info, impossible to actually accomplish anything, TD is crooked!

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 had my tires punctured in the sidewall. Called to open a claim. Explained that one tire went flat a while later the others went flat. The adjuster then twisted my words and told me it's two separate claims and my deductible is now a thousand dollars. Then tried to mix and match tires on my all-wheel drive charger. I questioned the adjuster and he then told me to come to get my car from car star in Halifax. Towed at my expense. Because of this half-wit, I am cancelling my insurance, moving my car loan to another lender and closing my accounts. Beware of these guys. They are the absolute worst.

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

It’s hard to communicate with them. No one is answering your emails nor phone calls, for weeks no one will help with the claims!
Omg, having the worse experience ever, they are big with a name but there is NO SERVICE!

Moved houses on July 11/2021 it is now Aug 04, still have not received a permanent pink card with the proper address. 3 customer service calls and the last conversation with a manager. I asked the manager why should I pay for terrible customer service and high rates. Why should I keep my business here? I was told if you are not happy with our services feel free to leave. That's how managers at TD resolve issues. Take your money every month and leave you on hold for hours at a time. I will be moving my business immediately.

I've been with this joke of a company for about a year now and regret it every day. They take payments on random days with different amounts every time mind you. Then send a cancellation letter. I have to call them at least 4 times a month because of the amount of incompetence!!! Staff not knowing what they are doing and make up a bunch of excuses on why the payments changed and the amount. My insurance was 189 a month next month they try and take out 400!? Then tell me it's my fault because I did not use my advantage app which was never given to me from the beginning. That's just the icing on the cake this company will make you look like you don't pay your bills on time and have faulty payments. Stay far away!!!

2 hour plus wait time on the phone. Very painful! Over 2 hours on hold listening to the same song over and over again. TD obviously does not respect their clients time. Switching ASAP.

I’ve had TD Meloche Monnex for over 20 years. They used to be good and I could get through on the phone fairly quickly. I just had a windshield claim. I told them I didn’t know when the windshield was hit but the crack showed up in the winter. He told me he needed a date so I said ok I estimate this day last summer was maybe when the stone hit. But we didn’t see anything till winter. It was just an estimate. So then he tells me that it’s more than a year so the claim is invalid. So then I said ok I should change the date because it showed up in Dec, not the summer. He said I couldn’t change the date and he put me through to customer service.
They said I had to talk to the glass claims and they put me back. This took another 40 minutes of waiting on the phone. In total, I waited 1.5 hours to talk to the first person and was on the phone for almost 3 hours. I listened to the same piano music played over and over at least 140 times.
I will be changing companies ASAP.