Meloche Monnex (TD Insurance) Home Insurance Reviews

We've been with meloche monnex for over 10 years. My wife had her wedding ring stolen from a jacket at work. We filed a police report and told the insurance company about it. They refused to call me back until I started calling them. Then they tried to build a case against us..they even doubted we were married, had to show them our marriage certificate. In the end they told us it was lost which is not covered under our agreement. How does a ring lose itself when it's not in the same place you left it. This company has been extremely unprofessional. I asked to speak to Mandy L. manager and she told me no. Then went on to say "why are you being this way" when I said I called the IBC. Meloche Monnex cares nothing about your claims and will work against you to make sure they get your money without actual coverage. They lied and cheated me and my wife. For example: they went to my wife's work to question the security even though we told them there's new security. The new security obviously had no idea what they were talking about so they tried to say it was never reported... even when individuals that knew about this confronted them and said it was. They took the new security guards words and used this against us. Not once did Meloche Monnex ever try to see our side or try to help us. I feel like I was treated like a criminal from the start.

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.

Poorly trained staff that doesn't know what they are doing, so they put you on hold forever and then after wasting an hour, they get ahold of you and say they need more information. They refuse to respect your request for information in writing and when you get fed up with their bad service, they start charging you $50 every two months. They fail to disclose all of the costs in a call that wastes an hour of your time, or that somehow they have the right to do this. Worst company ever.

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.

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.