Meloche Monnex (TD Insurance) Home Insurance Reviews

Had a renters insurance policy for a few days with them, the quote they gave me to start was several dollars a month less than what they ended up charging me. Found an other company that gave me renters insurance for half of what TD would. Ended up cancelling the TD insurance yet was charged a 69$ cancellation fee I was never told about. They wouldn't negotiate at all on charging me this. Would not recommend this company to anyone. There's going for profits then there's gouging people at every opportunity. Seems TD is the latter.

In 2005 I put in place coverage for my rental property in Fort McMurray which included Additional Living Expenses. In July following the evacuation due to the wildfires I submitted a claim for loss of rental income; which was denied as ALE wasn't in place. Sometime in 2014 an employee of TD Insurnace changed my policy without my knowledge or consent and dropped ALE coverage. I am in the process of appealing this; but am not too hopeful for a successful resolution.

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.

Being a loyal TD Bank customers, we opted for TD Home Insurance and they have cancelled our Home Insurance without giving any notice or call and would not provide is with a new quote and the state they dont wish to provide us any more Home Insurance Service due to non payment. To start with it was a pre-auth payment just like the one we have set for auto insurance.Since the time we received their first mail(which according to TD is not the first mail) we have been trying to reach them to resolve. The Customer Service Rep & Manager were rude and wouldnt help us. Finally after a long struggle they issued a new quote and when we called back to discuss they said its rejected as we have nonpayment history. Am surprise how much they dont know their customers. We were warned by friends but still went ahead with TD Insurance and today we are worried and shocked at our state. TD has no quality,respect for customers and cant be trusted any more. I wonder if i should bank with them anymore. They have put us in deep trouble and wouldnt help. I received no earlier correspondence from them on the cancellation and they have put us in risk. Would be great if we receive help in escalating this matter higher up and getting a resolution.

We've been with meloche monnex for over 10 years. My wife had her wedding ring stolen from a jacket at work. We filed a police report and told the insurance company about it. They refused to call me back until I started calling them. Then they tried to build a case against us..they even doubted we were married, had to show them our marriage certificate. In the end they told us it was lost which is not covered under our agreement. How does a ring lose itself when it's not in the same place you left it. This company has been extremely unprofessional. I asked to speak to Mandy L. manager and she told me no. Then went on to say "why are you being this way" when I said I called the IBC. Meloche Monnex cares nothing about your claims and will work against you to make sure they get your money without actual coverage. They lied and cheated me and my wife. For example: they went to my wife's work to question the security even though we told them there's new security. The new security obviously had no idea what they were talking about so they tried to say it was never reported... even when individuals that knew about this confronted them and said it was. They took the new security guards words and used this against us. Not once did Meloche Monnex ever try to see our side or try to help us. I feel like I was treated like a criminal from the start.

After calling them (talked to 5 diff people) and asking why our premium has gone up so much in the last few years we were offered to check into our distance from the local firehall. We were told that if we were under 8km we could see a reduction in our rate. After getting the information and finding out we were less than 3km were then told it has to be the first responder in a call and we must prove that. Seems like every time we meet there demands we are given another road block. Got two other quotes both were considerably less. I guess paying (overpaying it seems!) for over 29 years- means nothing to this company. We will be cancelling our house and car insurance after this treatment.

Poorly trained staff that doesn't know what they are doing, so they put you on hold forever and then after wasting an hour, they get ahold of you and say they need more information. They refuse to respect your request for information in writing and when you get fed up with their bad service, they start charging you $50 every two months. They fail to disclose all of the costs in a call that wastes an hour of your time, or that somehow they have the right to do this. Worst company ever.

These guys have terrible and inefficient customer service. They lie to you and tell you something will only take a couple minutes that stretches into the range of an hour or more. They don't have their act together to actually just process your file, but put you on hold constantly while they try and figure out what they are supposed to be doing. They don't follow your request to communicate by email, and despite keeping you on the phone for an hour, they fail to disclose all of the charges that you are liable for but because you've entered a policy, they treat it as an open right to generate charges they failed to disclose. They have no respect when you tell them that they can't call you on your phone during the day because of your occupation. I am a teacher and I had to block their phone number because I can't be taking phone calls while I'm teaching, and then they refused to email me to ask me what they needed and then just started filing charges of $50 every two months, and no email explanation of the charges. They send it through as an adjustment on the statement which really isn't explaining that they intend to charge you an extra $50 every two months over and above the insurance you are already paying for. They are a make work institution that can't be trusted.

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.