TD Insurance Auto Insurance Reviews

I've been with TD (Meloche-Monnex) for years. Two years ago I had a claim and I was treated terrifically. Unfortunately, the service with TD has gone down terribly since that time. I've decided to cancel because of the price and service. Yesterday I spent nearly four hours on hold and even used the call back service only to be put on hold for another hour. Today I called at opening 9:00 and have been on hold for over an hour. I would NOT recommend TD insurance!

For the last 3 days, I have tried to contact TD auto insurance to revise my policy. April 28th message said more than 5 min wait, waited 30 mins - no response. April 29th waiting on line for 40 mins - no response. April 30th waiting 90 mins still no response. I am wondering if TD has any staff.

Not as transparent as they think they are. Constantly having to do digging in order to get information.

Insured with this insurance company for over 5 years. I just recently moved my insurance policy to include my truck and have my "summer car" taken off. This resulted in a credit of $129.95. The notification from TD stated that the refund would be credited to my credit card on 13-Oct-18, keep in mind that I requested this change on 06-Oct-18. The credit did not appear on my credit card, so I contacted them only to be told that the credit won't be given until 6 weeks from the date stated in the notification. I struggle with the fact that the notification stated the credit would be on the 13-Oct and being told by phone that it would be 6 weeks. Had the notification from them, dated 15-Oct, stated that it would have been easier to accept. Six weeks is now up and still no credit, how much money do these people make off the interest for ALL the money they withhold? New insurance company next time.

I was a customer for several years, home and auto. Never had a late payment. Came upon tough times, had 2 late payments within a year, and they demanded I pay the entire balance or I would be cancelled. Obviously, I had struggled to pay the 150$ or so, therefore, 1400$ was not about to happen. A few months later I had paid them off, and now they will not give me a new policy. This just goes along with the current TD theme of customers are only measured by what they've done for them lately. Unless you are perfect, not a great place to go. They will not work with you to solve any issues.

My car was totalled in an accident that the other party claimed full liability. My insurance adjuster lowballed me by $1500 to $2000 in their valuation "offer". Their "offer" conveniently omitted the 5% GST I'd need to pay to buy another car. I did several hours of due diligence and found ample proof that if I had to buy the exact same vehicle in the same condition, I would actually be paying $2000 to $3500 MORE than their lowball offer. My due diligence was rejected outright and I was told I could hire an independent estimator, which I did. TD's adjuster didn't even call him after receiving his report, which was almost the exact same valuation as my initial research indicated. They rejected his report outright, as well. I tried talking to my adjuster's manager, but as decent as he seemed over the phone, he didn't do anything to improve TD's "offer". I was basically told I had to enter the DRP process.

What infuriates me the most is that these people were so inflexible, uncompromising and uncooperative. It's as if their JD Power 10-minute internet car valuation is the ONLY one that exists, and no other estimate is relevant. I absolutely could not believe this. No matter how much evidence the insured finds to prove their valuation, it's meaningless to TD Insurance. That's why I've put "offer" in quotes everywhere above because there IS no "offer". It's either take it or screw off.

If you're considering TD Insurance, you BETTER hope you don't need to file a claim if your car gets totalled, because YOU will get totalled, too.

Needless to say, I'll be shopping around for another provider after 30+ years and I estimate $35,000 spent in their coffers resulted in their adjusters quibbling over $1500 - $2000...they're losing a great paying client just to save TD such a pittance. Congratulations, boys!

Terrible wait time, over one HOUR...How is it that such a large company has a wait time of over an hour to talk to an agent?

They recommended that i get this scam of a towing company over the phone and then refused to foot the $550 towing bill. We also thoght we had collision coverage because they were charging us 40% more than what statefarm quoted us for liability coverage, turns out theyre just ridiculously expensive! I mean all this money to buy a lesson, but this is the stupidest thing ive ever had to deal with. We also apprently got a 30% discount using our university, so what are the rest of you paying for this awful coverage?

I had to submit a claim where I was parallel parking, legally, using a blinker, and someone hit me from behind while I was pulling in on an enormously wide road with no other cars. TD gave me 50% fault and was threatening to bring it up to 100% when I argued. They are bullies. I read through all the rules and repeated that any instance where someone pulling into a spot is hit it is always the other person's fault. They could not give me any reason it was my fault. They said things like “the other party is refusing to accept blame”... does that mean they don’t deserve any fault? Because they refuse to accept it? TD just wants your money. They are not on your side. I argued and eventually just paid and I am planning on changing companies. I have no problems with TD banking but do yourself a favour and avoid TD insurance.

recently was involved in a no fault accident in which I was rear ended. To say that the sevice provided is brutal is an understatement. I was actually told by my agent to enlist a lawyer as "I am on my own" This was in regards to injuries and damages to my vehicle. This was a no fault accident. I was rear ended. I am now on my third injury broker, and second accident broker. They keep going on holidays. Everyone has a different story as to what coverage I have. Countless phone calls unanswered and an average wait time of an 1.5 hrs plus to talk to someone. All this while trying to have my claim processed in the 10 day time limit imposed by the goverment. Yes you have 10 days to process your claim from date of accident. My paper work did not arrive until day 6.Brutal