Meloche Monnex (TD Insurance) Home Insurance Reviews

When the statement for my yearly home insurance arrived early this month, I noticed right away the premium was 10 times higher than last year, (after many years of a stable rate) and being on monthly deductions, I was soon to lose a huge sum. I immediately called, and after a short search, the advisor could not find any reasons in the file, so she moved me up to a higher level. Here the advisor spent quite a while on my case but also could not discern any reason for this huge increase (he suggested that he'd never seen such an instance before). I insisted that if he could not solve the 'error' I wanted to cancel immediately since I was scheduled for a serious operation and would not be able to attend to this for quite a while. He got somewhat hostile but finally agreed to suspend the monthly withdrawal until a reason/solution was found. After several days he called to say things were back to 'normal'... but no reason or apology for this huge 'mistake'. If I had not caught it immediately, I would have been out of pocket huge sums and likely have been in long-term hassles as to getting my money back. Having been with Meloche-Monnex for many years, with no problems, I was shocked and taken aback by their attitude. I still do not know the reasons (system errors?).

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.

Autorenew rates go up 40-80% per year.

I had one claim. They took all my info and never called me back, I waited upwards of a week and then called to complain and to cancel.

Then someone called me back right away and said they were sorry, They were busy, etc, etc.

I had water coming through my ceiling.

Stay far far away!!! BCAA in BC is a far better option. I hope TD insurance falls flat on its face.

The only good thing about this company is that customer service answers calls promptly. As a home owner that has never had a claim during 20+ years of home ownership, I have seen my rates increase from $90/mth to $280/mth over the last 6 years. Time to shop around.

What kind of a joke company charges 250$ to cancel a 1000$/year home insurance policy because I chose not to renew two weeks after the renewal date and had not yet paid them. Bunch of scam artists. Complete trash company, will never do business with them again.

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.

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.

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.