Meloche Monnex (TD Insurance) Home Insurance Reviews

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.

Good Day, My wife and I have been with TD insurance since 2006 and we are thinking its time to switch to another company. I got a service dog in 2014 and every year we have made sure that the service dog was included if something were to happen, well sure as heck I had to put him down as he had a cancer tumour and now I need to get another service dog. My wife ensured that he was covered for $80K for these circumstances and now TD isn't coming through. Pretty sad when you have to get a lawyer involved to take them to court to get the claim we have been paying for since 2014. We paid the premium for this coverage on top of our home and auto policies and never again will we deal with these heartless people A service dog is not what I want, it is an essential part of my survival daily!!!

This is the worst company ever, doesn't deserve even one star. Long wait times up to an hour or more. No one knows answers to questions. Overpriced over $900 more a year compared to other insurer quotes. Been trying to cancel my policies with them and keep getting the run around that they can't do anything as the system not working and no explanation as to why just to try again later!

I have not been able to get through to customer service for a simple insurance addition. I have been on hold for 30min, 40 min and 53 min. I tried the callback system but they just put you in a different queue so you still have to wait. Never experienced anything like this before. I may have to move all my policies to a different insurer as I need this particular policy to get a mortgage.

I'm currently moving out my old place and want to switch and cancel the old policy, last Friday I called them and waited for 2 hours on phone and got no answered, today I tried again and waited for 1.5 hours and you know what? Nobody picks the phone call again!

I have been with TD insurance for over 20 years and I am now considering dropping them due to unreasonable wait times. It seems to be getting worse every year. Every year my premiums go up and customer service goes down.

For the past week, I've been trying to get a hold of an agent to update the status of my home roof. Meloche and Monnex limited insurance coverage on the roof because I couldn't provide them with an exact date they were last replaced (new-to-me home). The wait times are beyond ridiculous. For three days I've been on hold for minimum 2 hours before giving up. Yesterday I got lucky after an hour and a half... and then the guy I spoke with said he needed to find an agent licensed in my province... and then before I could respond I was back on hold for another hour before giving up. That said, when I do speak to someone they are fantastic. I'm pretty happy with the value for money, but I've never had to make a claim before. Please fix this Meloche and Monnex. I've been a loyal customer for 15 years and only recently has this become an issue. I'm starting to look around for a new provider.

It is unprofessional, but this takes it to a whole new level. Called around 1:40pm...around 6 pm someone picked up claiming to be from "switch service" (and claimed they've been having problems with their phone equipment) and directed me to the wrong place. It was just their way of getting rid of people. How else can you cancel? Am I doomed to have this insurance for life? Maybe get the bank to stop payments?

You can't get a hold of anyone, multiple times I've called and it's always 1-2 hour wait! I just always give up and hang up, it's a joke, absolutely no excuse for those wait times. And when I've finally got a hold of someone they always say "Oh we're just having higher than normal call volumes", it's not their fault it's upper management being greedy and forcing them to always use that excuse. There one chat is always offline. Also, I had no claims and just got my house and car renewals, both jumped around 25%, what rip off! TAKE YOUR BUSINESS ELSEWHERE, DON'T USE TD Meloche Monnex Insurance!!!!

I’ve attempted to call their multiple 188, 1800 and even their 416, I’ve been on hold for more than 2 hours. Forget this one - avoid it at all cost. Waste of your money and most of all, your precious time!