Meloche Monnex (TD Insurance) Home Insurance Reviews

Do not give TD Insurance your business, I've never experienced such horrible customer service. Just complete disrespect to the paying customer, the executives at this company are greedy.
The wait times are mind-boggling, to the point where it's approaching 2 hours on hold and you just give up. It's like this every time you call, the worst wait times I've ever experienced any company in any industry.

On my car insurance they also somehow put my sister's accident on my policy and had overcharged me a total of $900 before I caught it. I had to battle with them to get them to admit it was their fault and to give me a refund, but they would only give $300. They literally stole $600 from me in my opinion, what a bunch of scumbags.

Complete joke of an insurance company. STAY AWAY!

45 min wait times, 3 days and finally got through. Cancelled hone insurance due to high rates, terrible customer service and ambiguity in services and coverages. Through family, friends and customer reviews, found the better insurer and I know now I made the right choice to switch. TD insurance continued to withdraw payments from my account and I only found out after 3 months as I was away. They also neglected to put a refund into my account (timing credit for cancellation). Called again, on hold 35 minutes, bad service, rude manners, uncooperative, unprofessional. To give you an idea on the home insurance premium, it was $100 a month coverage with TD compared to $60 on the exact coverage from my new insurer. It’s worth to call around 2-3 companies and go with the one that is respectful and cooperative. Big chances are they will offer better premiums than TD and you will have an easier time dealing with them if you have a claim.

Just calling them to make a simple payment for my home insurance, something I do once a year since you can't make a one-time annual payment from their website. Seriously, what kind of a company doesn't allow you to pay bills from their website. Anyways, they advised me the wait time could be up to 15 minutes, and of course, they don't offer a call-back service. It is now up to 53 minutes, and my cellphone is almost dead. I can't wait for their representative to come online and ask me how my day is going. Maybe they'll waste a few more minutes asking me to rank their service today, meanwhile, hundreds of people are waiting on hold, while they pat themselves on the back. This used to be such an easy company to deal with, I can barely contain my disgust with what has become of them. I would highly recommend people look elsewhere before signing up with them.

Thank you for reading my story. I would like to share my bad customer experience with TD house insurance. I bought TD insurance from Sept 2016 to 2017. In Sept 2017, I switched to Wawanesa because they offered me a better coverage. When I switched over, my Wawanesa broker put down my TD policy number on the application form, and Wawanesa sent TD a cancellation letter to end my insurance with TD. So legally, I have informed I ended my insurance policy with TD. However, in Nov, 2018, I received a call from an agent from DA Group Services saying that I need to pay a past due balance to TD insurance. Over the phone, I find it very uncomfortable because the agent asked me for my personal information before he began the conversation. Only telephone fraud would run the business in this frightening manner nowadays. After dealing with the collection agent, me and my brother gave TD Insurance a call spending more than an hour on the waiting line and finally got through. However, the agent spoke with an ignorant attitude because she never answered any of my questions. I asked if the Insurance policy is self-renewing, why TD do not inform their customers about it when they make the sale over the phone!? How can TD ignore my cancellation letter!? How can TD not give customers an email or a phone call when the customer is missing a payment!? etc...None of my questions has been answered. But she kept repeating that I had to pay. After spending 3 hours with the agent and her manager, they eventually asked me to send them the cancellation letter again, and they promised me to send me a letter confirming to cancel the charges. So I sent TD the cancellation letter, but I have no response at all. Now the Collection agent from DA Group Services keeps sending me an email on daily basis saying that I need to pay the overdue before the deadline of Jan 15, 2019. Giving me tremendous pressure! They didn't inform you what type of insurance they are selling initially, which is self-reocurring. They ignore your policy cancellation letter in order to keep taking money out of your pocket. Their customer service team never listens to you. How can TD run the business in this awful manner?

I bought this insurance as a "deal" that my university offered. But I found their customer service to be unresponsive whenever I had questions and their business practices very outdated (I had to, for example, mail them a personal cheque to pay for coverage). So when I moved, I decided to switch companies. I had paid out what was due, submitted a request to cancel my next year of insurance, and took out coverage with a new company. The new company, despite the lack of a university "discount," was much cheaper for the same coverage. And they allowed you to use a magical new contraption called a credit card to pay automatically on a monthly basis. TD then proceeded to send me letter after letter saying I owed them for two months of coverage at the property I no longer lived at. I told them I had cancelled and had not renewed. They told me they did not receive the cancellation and that it was their policy to assume people want to renew even if they hadn't sent a new cheque. After I ignored more letters, they eventually sent a vaguely threatening registered letter that I had to sign for. The amount I "owed" was about 40$, so I eventually paid so that they'd stop harassing me. But again, it was totally worthless coverage that I had cancelled to cover a property I didn't live at. As a petty act of retribution, after paying the 40$ I also closed my TD bank accounts. Both because they are associated with this insurance and because they must have been giving them my new address. I'll take my SEVERAL DOLLARS in savings elsewhere. In short, do not use this company. There are so many out there that do this way better, for cheaper.

This is a warning for anyone who is presently using Meloche Mennox (TD Financial) for their house insurance. We requested that our insurance was cancelled over a year ago and they continued to debit our account. September of this year we realized the mistake and requested a refund. They did not comply. We just realized that for the past two months we have continued to be charged for their insurance. This company has not served us well and we are very disappointed. If you are using them for insurance and cancel it, make sure they don’t keep charging you!

I just had my first claim experience after being with TD for 6 years with insurance coverage on two homes. Good luck speaking directly with the adjuster, contacting any management or getting a straight response. Since November 20th when a flood occurred in my house after a rain storm I have received no clear answers until now as to whether I was to receive coverage. Each time I prodded for a response over email, TD would pull out a new exclusion and indicate that this was likely going to be used to deny coverage. Ultimately I've now been denied coverage and will need to take it up with legal. Go anywhere else but here! As noted in my final email to the adjuster, it isn't so much the rejection of my claim that bother me. Rather, it is the immense waste of my time trying to communicate with the adjuster and the nonsensical responses received.

The customer service is good but the rates are astronomical! I will be saving $80/month going elsewhere and having the same coverage. I called Meloche to see if they could reduce the cost since I have been with them for 4 years and they said this is the best they can do.

I have been on-hold for an hour and a half to make my annual payment for my home insurance. Terrible service!. Avoid these guys at all costs.