Meloche Monnex (TD Insurance) Home Insurance Reviews

This is the worst company ever, doesn't deserve even one star. Long wait times up to an hour or more. No one knows answers to questions. Overpriced over $900 more a year compared to other insurer quotes. Been trying to cancel my policies with them and keep getting the run around that they can't do anything as the system not working and no explanation as to why just to try again later!

I'm currently moving out my old place and want to switch and cancel the old policy, last Friday I called them and waited for 2 hours on phone and got no answered, today I tried again and waited for 1.5 hours and you know what? Nobody picks the phone call again!

I have been with TD insurance for over 20 years and I am now considering dropping them due to unreasonable wait times. It seems to be getting worse every year. Every year my premiums go up and customer service goes down.

It is unprofessional, but this takes it to a whole new level. Called around 1:40pm...around 6 pm someone picked up claiming to be from "switch service" (and claimed they've been having problems with their phone equipment) and directed me to the wrong place. It was just their way of getting rid of people. How else can you cancel? Am I doomed to have this insurance for life? Maybe get the bank to stop payments?

I've been a customer for many years, and until recently, service has been pretty good for the value. In the last year, I sold a house, then purchased a house, should be a simple process to make changes to the policy. In the 3 calls, I've made, the wait times to reach someone to make this simple change averaged 1.5 hours!!!! Who has wait times of 1.5 hours to wait for an agent? I will be cancelling and searching for a new insurance company as soon as I can get through to an agent to cancel! Plus, I didn't like their 20% increase this year. Terrible way to cheap out TD

I currently have home and car insurance with TD Meloche Monnex. When I first tried to cancel my home insurance and switch to tenant insurance (due to selling my home), I was told they couldn't cancel my home insurance until the day of sale. After 2 hours on hold, I was not impressed, but if that's their policy, fine. I then received my paperwork for the tenant insurance only to find that they essentially mixed up all the information on my home insurance vs tenant insurance. Fine. Now have been on hold another 1.5 hours in order to finally cancel. This service is unacceptable. Not to mention the 'deal' I was getting for being part of an affiliate institution costs more monthly than many other places for the same coverage. I recommend finding ANY other insurance company.

I have tried for 2 days to get through on the phone to cancel my home insurance policy. When the timer gets to 45 min, the phone is disconnected. I have been very patient but very frustrated at the unacceptable length of time spent on the phone trying to speak with an agent.

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.

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 got insurance for my home which was rented by someone plus an apartment which I rented from someone last year. (house +apartment). TD Meloche Monnex calculated $142/month for the two properties. Few months later, I called TD and asked them to cancel the apartment insurance because my landlord had already got insurance for it. So I was expecting my monthly payment to come down by $28(the apartment portion), but TD told me if you cancel that(the apartment insurance), your monthly payment will increase to $172/month! So I asked them to cancel both, I don't want to get insurance from you, then they answered: "We will charge you for early cancellation". So I paid insurance for the whole year for an apartment insurance which I didn't want. That's why I hate TD insurance. On top of that, the last old woman(from TD Meloche Monnex) who was talking to me about this matter had very poor customer service quality.