Meloche Monnex (TD Insurance) Home Insurance Reviews

Thank you for reading my story. I would like to share my bad customer experience with TD house insurance. I bought TD insurance from Sept 2016 to 2017. In Sept 2017, I switched to Wawanesa because they offered me a better coverage. When I switched over, my Wawanesa broker put down my TD policy number on the application form, and Wawanesa sent TD a cancellation letter to end my insurance with TD. So legally, I have informed I ended my insurance policy with TD. However, in Nov, 2018, I received a call from an agent from DA Group Services saying that I need to pay a past due balance to TD insurance. Over the phone, I find it very uncomfortable because the agent asked me for my personal information before he began the conversation. Only telephone fraud would run the business in this frightening manner nowadays. After dealing with the collection agent, me and my brother gave TD Insurance a call spending more than an hour on the waiting line and finally got through. However, the agent spoke with an ignorant attitude because she never answered any of my questions. I asked if the Insurance policy is self-renewing, why TD do not inform their customers about it when they make the sale over the phone!? How can TD ignore my cancellation letter!? How can TD not give customers an email or a phone call when the customer is missing a payment!? etc...None of my questions has been answered. But she kept repeating that I had to pay. After spending 3 hours with the agent and her manager, they eventually asked me to send them the cancellation letter again, and they promised me to send me a letter confirming to cancel the charges. So I sent TD the cancellation letter, but I have no response at all. Now the Collection agent from DA Group Services keeps sending me an email on daily basis saying that I need to pay the overdue before the deadline of Jan 15, 2019. Giving me tremendous pressure! They didn't inform you what type of insurance they are selling initially, which is self-reocurring. They ignore your policy cancellation letter in order to keep taking money out of your pocket. Their customer service team never listens to you. How can TD run the business in this awful manner?

When the statement for my yearly home insurance arrived early this month, I noticed right away the premium was 10 times higher than last year, (after many years of a stable rate) and being on monthly deductions, I was soon to lose a huge sum. I immediately called, and after a short search, the advisor could not find any reasons in the file, so she moved me up to a higher level. Here the advisor spent quite a while on my case but also could not discern any reason for this huge increase (he suggested that he'd never seen such an instance before). I insisted that if he could not solve the 'error' I wanted to cancel immediately since I was scheduled for a serious operation and would not be able to attend to this for quite a while. He got somewhat hostile but finally agreed to suspend the monthly withdrawal until a reason/solution was found. After several days he called to say things were back to 'normal'... but no reason or apology for this huge 'mistake'. If I had not caught it immediately, I would have been out of pocket huge sums and likely have been in long-term hassles as to getting my money back. Having been with Meloche-Monnex for many years, with no problems, I was shocked and taken aback by their attitude. I still do not know the reasons (system errors?).