TD Insurance Home Insurance Reviews

Please stay away from this insurance company. I had a quote of 800 dollars per year. I talked to the agent on the phone and said I would like to pay the full price in advance. But he set everything up for monthly payments. My credit card got renewed and they couldn’t get the payments. I wasn’t aware of that. They never called me. But they say that they called me two times and have it on file. Anyway, they cancelled my insurance and send me a letter. I got it a couple of days after the insurance was cancelled. I tried to call them and spent for a couple of days hours and hours in their waiting line. I am talking about two hours per day!!! Could not get a hold of them. After I finally talked to somebody and asked them to pay the outstanding balance and get insurance again they refused and hung up. I couldn’t even pay the outstanding balance. Before I could get coverage with another company I had to get back to them and spent some more hours on the phone. They gave me a bad score and now I can’t get any insurance under 2600!!! Because I am considered a bad customer because of their bad score on my file. I was trying to save some money. Got a lot of trouble and now I have to pay more than double what I used to pay before!!! Stay away! Save yourself big trouble!!! Poor customer service.

Do not even consider insuring your valuables with TD (Meloche Monnex). We have called the 'Customer Service' line for 4 days with no response! 1st day: on hold 1.5 hours, 2nd day: 3.5 hours, 3rd day: 4 hours, today: 1/2 hours. We still have not talked with them! They do not respond to emails either. We used Registered Mail to cancel our policy today and WILL NEVER have business with TD again EVER! We have been paying dues for 26 years with no claims. I feel so used.

We moved to a much smaller less valuable house and my insurance went from 148 a month to 353 a month, and they could not tell me why. One agent said, "maybe it is your location"? I have tried to get through to TD as well - I have been on hold for 1.5 hours now and have still not spoken to anyone. Marvellous customer service for sure...

Most TD insurance customer service agents are rude and poor in services. A couple of times I disconnected the call due to the way he was talking. When I told him he should talk in a better way, he told me it's your choice to talk or not. Another point is about the quote. There is almost double the amount of difference when you quote online and when you call the agent. I got a quote online for 800$/year and when I call the agent to buy the quoted 1500$/year without changing any conditions. When I asked them why does it happen, he said I don't know and I can't do anything.

BE AWARE! If you live in a mobile home. To be covered by insurance you have to climb under your home EVERY DAY because if you don’t catch a leak within 24-48 hours they WILL NOT cover you!!!

We have to pay late fees when TD is at Fault! We tried to call for weeks and we had to wait for weeks not knowing if our policy is renewed and then when they finally call, they were rude and condescending and totally take no responsibility for their actions and simply blame the whole incident conveniently on Covid-19, this is totally deplorable that TD would use that as an excuse for their mess and poor service, in face TD poor service proceeds the pandemic!

I have been a customer for 40 years. Like someone else said on here they now provide an extremely poor service level. I sold my home and tried to cancel online. It gives me a confirmation number but the 2 people I spoke to at TD couldn't see it after I waited 1 hour on hold. I called 2 previous times over the past 5 days and hung up after about 35 minutes. After all this, they want to charge me a cancellation fee? Do they think I should pay a premium on a house I do not own anymore?

Old web systems, old IVR phone prompt & holds systems,
... and a 2 hr 30 min hold time, then somehow routed to the wrong province and had to wait another 15 min!!!

I'm switching once I have some free time.

I signed up for TD insurance 2 months ago for my new home insurance. I was told I will receive instructions about how to access the online account. I never received those. I tried making a new account on myinsurance.tdinsurance.com, which takes my information and simply says: "Please call us at 1-877-585-9427 so we can update your profile and finish setting up your MyInsurance account." TD has been charging my credit card on the 1st of every month, so clearly, the insurance policy should be set up. However, they are not giving me access to my online account. And the call wait hours are terrible - I had to disconnect the call after 2.5 hours of waiting!!!

It has been: 49 days since the loss 24 days since the claim was APPROVED. No estimates. No repairs. Brutal response times.