Meloche Monnex (TD Insurance) Home Insurance Reviews

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.

TD is a ripoff. I'm going to start shopping around. I had to fight with them the last two years already because of ridiculous increase amounts that doesn't even fall in line with the anticipated market increases that is stated throughout the news due to weather conditions in Alberta. Mine has tripled (300%) over 3 years and that is after going for a bigger deductible and less coverage to try and minimize the premiums. I have been with TD for over 10 years and this is what they do to loyal customers. Imagine what happens to those that just signed up with them!

TD, I hope you are reading these responses, as you will hopefully go bankrupt when people start leaving in droves when they start shopping around and realize what a scam company you are.

They are very helpful when you buy insurance from them but later if you have a claim, or if you want to cancel, they make your life difficult. I was so mad with them I canceled all my policies with them, the customer service agent was almost yelling at me when I said I would like to cancel my policy. Will never go back there. And they are one of the most expensive insurance rate.

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
.

This is my 2nd year with TD and I never submitted any claims with them. They decide to increase my home insurance monthly payment by more than 50% 6 months after the start of my second year contract. I have been trying hard to convince them to cancel the contract with no penalties but no answer. People who answer you do not have the authority or the competence to make decisions. A complete disappointment.

I paid my insurance yearly. When prices increased I changed to an alternate insurance company. I received notices that my insurance would be cancelled due to non-payment - a perfect idea as I did not want to renew. A year later they sent me to collections saying I owed for 2 months of insurance I never requested. Despite repeated calls, the issue was never resolved. This must be how this company makes extra money - charging ex-clientele for services they did not request.

I was T-boned in an intersection. The guy who hit me was 100% at fault, he was arrested and charged at the scene. I wasn't sure what to do with my ruined, undrivable van. My children and I suffered broken bones, lacerations and back injuries. TD placed me on a 5-hour hold. That was the start of my nightmare dealing with TD. They offered me $1,500 for my vehicle within two days of the accident. Because an offer was made, I had to give up my rental. After months of arguing and doing 100% of the research myself, we settled on $18,900 as a value for my written-off vehicle. They told me my and my children's medication, medical appliances and physiotherapy would be covered however once receipts were submitted they stopped all communication with me. I fought for almost two years and have eventually hired a lawyer. I wasn't looking to profit off this, I just wanted to be covered for my medical expenses and vehicle, which is what insurance is for.

9 years no claims nothing, price of the car and home insurance was going up every year. I found a great broker, and she give me a better deal. 800$ savings between car and home insurance, now TD Insurance. got me on collection agency saying insurance was not cancelled properly. Broker and I did everything they asked for, now we did a 6th-time follow-up call ( this is going on 3 months now) to see what is happening. They told us we didn't include policy number, we did us they asked for policy number as subject, policy number included in the email, and policy number on cancellation note. Today we are sending the 7th email to cancel the insurance policy with ignorant TD. Customer service only can say there is nothing I can do, just send us documents again, and include the policy number.

They played us around for 8 months for a washroom leak situation.
Took advantage of every loophole possible: months ling wait, deceitful techniques of up charging for work, not paying contractor payments, rude behaviour.