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.

My home insurance premium has doubled from 2011 to 2015, with no claims made ever to them. VERY unprofessional customer service. They are not recommended!

We have had Meloche Monnex ever since they took over Liberty Mutual (+10 years) and in recent years the home policy has been creeping up and even though we never had claims. Every time I called, seemed they change their coverage and/or gave excuses on taxes/ gov't changes. I had always not bothered to look around. Now, I finally did and got much better quotes elsewhere and including Auto. I suggest to shop around when your renewal takes place.

My condo insurance premiums have increased 250% in 4 years with no claims. Why..??? nothing has increased 250%.. And now when I have a claim.. nothing but problems. Adjuster was rude and still no money/coverage

So I'm buying a home and shopping around for insurance. TDMM appears to have great rates, so I try to fill out the quote online. Something turns red and I have to call to complete the quote (another 45 minutes down the drain, but "oh, that's not a problem."). I get the quote in the mail, seems good. I call to request the policy. Umm... we can't find your quote. (Seems my # got reused). Spend 1/2 hour trying to find the original quote. Start all over again, spend another hour on the phone because the agent cannot correctly copy anything down over the phone. Me "1-2-3" ... he says "2-2-3?" I say, No, "1-2-3" he says "3-2-3?" You get the idea. Then we get to the end, but now it has to go to an underwriter for review, I'll call you back on... " Never heard from again. (I've tried getting auto policies before too, but they NEVER call back like they say they will). I can only conclude they don't WANT my business.

I called TD 6 weeks after my old tenants insurance policy expired. I was out of the country and didn't receive their letters until I returned. When I called to cancel they not only charged me for the pro-rated fee for the 6 weeks (which was fair enough) they also charged me a cancellation fee for cancelling mid-way through my contract. Despite never having agreed to a new contract or even paying for a new contract year I was on the hook for a new contract and it's cancellation fee. No matter who I spoke to their response didn't change. And when I asked what happens if I never got the letter, the manager said that would have been a different matter. So obviously there is a way to get out of that fee. So my advice is if this happens to you just lie and say you didn't get it.
They have lost a customer for life. So I hope the extra money was worth it them.

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
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