Meloche Monnex (TD Insurance) Home Insurance Reviews

I have been on-hold for an hour and a half to make my annual payment for my home insurance. Terrible service!. Avoid these guys at all costs.

This is the worst insurance company, Terrible customer support filled with lies and attitude. No compassion for their customers who are going through difficult times in their lives, Building collapse, you got robbed, they don't care, any excuse to not pay up even 1st claimers who have been loyal customers for years.

TD is currently using lower end contractors to drive down rebuild costs in Fort McMurray. Been fighting with them for 6 months to get the costs of a rebuild with a builder of my choosing. Very discouraged with the tactics they have been using to cut there own costs at my expense, I do not need to deal with the many problems that will result if I use one of their preferred builders. TD's preferred builders have nothing but past legal issues or little to no experienced.

Their customer service is really rubbish, poor performance, they failed to inform me that I need to call them urgently after closing the ownership of my property and now refuse to insure me. Really poor, had they told me that I had to call immediately I would have. I will never use them again and will pull everything out.

I have had td home and auto insurance for 10 years with meloche monnex. I recently installed the nest home monitoring system with integrated smoke/carbon monoxide detectors and 2 way security cameras around the perimeter of my home. I called td insurance for the home security discount. I was told no they only consider traditional third party systems for the discount. I advised that was unfair. I wanted to talk to a supervisor and they said that due to it being a Saturday and they were short staffed, they do not handle calls like mine on Saturday....what the heck? I guess I am not very important as a client. I would not advise using them due to very poor customer service.

After 11 years with TD. Meloche for home and autos and paying $5000/yr I had a wind and hail claim on my roof that was leaking and was only ten years old. The claims adjuster literally lifted his hand over his head holding his camera and took pictures. Brought the camera down and said, "ya this isn't insured" and left.

The only silver lining is Scotia is about $1000 per year less!

Never go TD, no wonder they use a Shakespeare actor, they are only pretending to offer insurance.

I wasn't impressed with my last 2 interactions with customer service at all. First, they do not explain all the options properly, all that I was given as an option for putting my home insurance on hold, while I am renting out the place (because I cannot rent out under my policy, it will be illegal too), is that I can't. They had never clearly mentioned the option of Tenant Insurance that is available on the market and now they claim that they did. Second, they are not helpful at all. When you start asking questions, they reply with the attitude like I am suppose to know every single little caveat of the insurance world, instead of being understanding and informative.

After 8 yrs for home and auto, I had 2 claims, that were dealt with and a 3 problem that was not covered all Home related. I dealt with the one problem my self, but because I called to ask if it was covered they counted it as a claim, even though nothing was paid. I have since moved my auto insurance which they wanted to keep. but now am left looking for home insurance as they have labelled me high risk. They owe me 1 month auto insurance payment, which they took 1 month in advance, I think this company is terrible
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It is time for renewal. The company has been merged or bought. Their product has changed. They are now forcing me to buy the $3M solution. I don’t need $3m in coverage. My house and all associated expenses and household contents would not be worth $3M. They increased my premiums from $67/month to $110/month. Seriously. I have been a loyal customer for 13 years. No claims. What a shame. Bye TD.

We had a premium insurance package with TD that was represented to us as full coverage. We had endorsement packages added to cover any gaps - it was sold to us as peace of mind, worry-free insurance. We had a water supply issue with our home, which was a leak on our side of the demarcation point with the city. It looked like we would have to have the entire water supply line replaced and inspected. This involved tearing up our concrete driveway and walkway. After the tear up and line repair, there would be a waiting period of several months before the driveway could be repaired. We got quotes on the work and contacted TD who said they would cover the tear-out, and the repairs to the driveway, but not the plumbing. The TD representative said we would have no trouble reopening the claim at a later date to have the driveway repairs covered. At the time of the tear-out, we convinced the contractor to just do the tear-out at the curb stop valve, because we thought the leak might be there and this would greatly reduce the scope of the work. The leak was there and the full waterline did not need to be replaced, so only a small portion of our driveway was impacted. This reduced both the tear-out cost and the future driveway repair costs. The cost for both portions of the work was now about half of the original estimate. The driveway repair was scheduled at the end of the season, but the final scheduling was done quickly to accommodate the contractors' year-end commitments. We contacted TD insurance, but the preparation work was being done as we were reopening the claim. In view of this, we compromised on the repair to control the costs for the insurance company. To minimize costs, we repaired a smaller portion of the driveway than we would have done if paying ourselves, although this would result in a colour matching issue. We tried to reopen our claim but the representative who had done the initial work had left the company. We exchanged emails with the new representative, but he didn't understand the history of the claim or the technical aspects of the nature of the work. They didn't seem to have notes in our file about what had been agreed to and placed the onus on us to provide supporting emails. We provided what we had, but much of the agreement with the original representative was over the phone. The new representative said our claim was now denied, even though the final cost was about half of the original estimate. His emails had false assumptions that supported not paying the claim. When we responded to correct these errors, he would send back another email with more excuses about why they would not honour their original agreement. He denied that the prior representative had assured coverage of the work, despite the fact he had done this on multiple occasions. We tried to contact the new representative by phone to engage in a richer dialogue than had been afforded through emails, but he wouldn't take our calls. His voicemail message indicated he would return our call that business day, but this did not happen. We finally gave up and paid for the repairs ourselves to avoid further stress and loss of sleep. We believe they broke the law by making an assurance to us that affected our course of action and position, potentially impacting our property value, only to later deny the claim. They also misrepresented their policy, since we obviously didn't have worry-free coverage. They do have recourse for denied claims, but this multi-tiered process seems principally designed to frustrate the customer to the point of capitulation. We would not be upset with TD Insurance if they had been honest with us from the outset of our claim so that we could have had the work done the way we wanted. They basically lied to us on multiple occasions and provided markedly inferior customer service. We will be engaging another provider for all of our future insurance needs. We were customers for 20 years but didn't have a lot of experience with how TD handles claims. After witnessing this aspect of their service, we strongly recommend not choosing TD Insurance as your provider.