Meloche Monnex (TD Insurance) Auto Insurance Reviews

They took twice a month my money and I am calling for the second week every day and no one answered. Avoid them

After a 25 year clean driving record and over 10 years with this company I made the mistake of calling them to say that is backed into a post and wanted to know what my deductible would be and how it would affect my premiums. They could tell me only what my deductible was. They couldn't tell me how it would affect my premiums because that isn't calculated until renewal???? I say fine, I'll leave it and pay for the repairs myself. That's when she said that it would still show up on my record as an at fault accident. I went up the monkey chain a couple of levels and got the same canned reply. One supervisor thought that maybe the premiums wouldn't go up that much if I didn't complete the claim. This outfit is a ripoff. They suck you in with big alumni discounts and then jack up their prices yearly. Don't ever use them.

TD Meloche Monnex simply didn't take out my June premiums (via PAD), so I call and ask why (and try to pay of course), they said it was an error in their payment processor and that I would have to mail them a certified cheque or pay with a visa. I chose the visa method because it was simply easier. My insurance was $141 a month (also the amount owing) and they ended up taking $937 (in three separate payments) off my credit card. I was furious. Called back several times and got the run around (one call was 2hrs and 32mins no joke!). They said the money would be returned to my Visa in 3 days and when it got refunded to await a call from them with instructions on how to repay (weird?). 14 days later the money appears on my Visa. 14 days. I call in to square up my policy as I'm worried about possible cancellation they say don't worry we will take it out again. The day of my PAD (July) comes and goes and they don't take it out again! I've now made about 12 calls to them and decide its time to create a paper trail. I sent them a fax detailing what has happened, who I spoke with, the dates, everything. I still get no call back! HOWEVER... they send me a $25 Tim Hortons gift card via mail with an apology. Next day I get a registered letter saying my policy has been cancelled due to non-payment... say what?

I'm freaking out. I've done nothing wrong. I call in for an explanation, they say don't worry your policy is fine and to disregard the letter. I get another registered letter saying my renewal has been cancelled as my policy was terminated. I call back and they say I haven't had insurance since July 1st and to NOT DRIVE. I miss a few days of work cause of this, my financing company politely informs me that if my car isn't insured I must surrender the plates or face repossession. I call TD Meloche Monnex back and literally say "how much money do you want right now to fix this? I've done everything you've asked me to do..." They say there is nothing they can do and my policy has been cancelled due to non-payment. What!?

I call another company for a quote so that my car doesn't get repo'd and so I can go to work and live life (even though I've done everything TD asked). The new company says that they will gladly insure me (I've never been ticketed or even pulled over in 9 years of driving), however my abstract shows a cancellation from TD due to non payment. I call TD back they say I have to just "deal with it and to call another company..." (are you kidding me?)

This incorrect black mark on my abstract makes my new premium about $282 a month (from $141 a month) I am furious. I call a lawyer for advice, she sends a letter to cease and desist the incorrect report to my abstract and advises me to contact the Financial Services Commission of Ontario's official complaint officer listing for Meloche Monnex who is listed as: Sid Nightingale (at https://www5.fsco.gov.on.ca/Licensing/ComplaintsOfficerListing/eng/lede…)

If anyone else is having the same problems I highly suggest you follow the same action I took. The next day I visited a broker to help (and face this new false reality of being a high-risk driver, even though I've never even been pulled over) and he said the black mark on my abstract was "magically" removed overnight. Someone from TD was scheduled to call me also on this day and didn't. Sid called me back 2 days later and left a message saying he sent my complaint back into the "client services" department, even though the reason why I called him was because this had escalated so far.

I have a feeling they realized the mistake and just tried to cover it up (sweep it under the rug) without admitting any fault or apologizing. I am now with a broker paying $21 less a month and my abstract says that TD reported my policy as being cancelled by me and no trace of a non-payment black mark. Sounds fishy. I'm just thankful this mess is over.

If you value your time, money, and stress levels..... STAY AWAY FROM MELOCHE MONNEX. They are a complete and utter joke of a company. I was driving without insurance for a month without any notice of cancellation (even though they helped themselves to almost 6x the money from my Visa!). I crossed the US/Canada border 3 times in this period and drove about 700km. Imagine I got into an accident? Or my car stolen? I always think about this and it scares me. Thank god and GOODBYE TD MELOCHE MONNEX! They are right when they say your best insurance is a broker.. I had a new policy the next day and they didn't even ask for any money until next month! I will be mailing the TimCard back to TD :)

We had the misfortune to have our car struck by an elderly driver who drove through a red light. Our car was deemed too damaged to be repaired, and was written off. We were forced to accept a settlement for 2/3 the demonstrated replacement value of the car. Now, two months later, we are still struggling to compell TD to stop pulling money from our account for insurance for the damaged car we no longer own. TD bought the wreck from us... it's their car now. TD's agents say there is nothing they can do to stop the withdrawals. The struggle continues.

I have auto and home insurance with TD. My husband called recently to add his car - he was placed on hold for over 1 hour. He had to end the call only to later be put back on hold for another 1 hour. I've reached out to TD online and they've not been helpful - just trite statements about "higher than normal call volumes." I do not think they value customers at all. I see that others have had similar experiences. I had to make an auto claim 5 years ago, and they were not helpful. They did not cover the full cost of a rental car after a car accident. I ended up paying $2000 out of pocket. This, along with my recent experiences with TD, makes me think it's time to consider other companies. I have another property insured by a different company and have been very happy with them. I will look into quotes with other companies when it's renewal time with TD and move on. If you are considering TD Insurance, I suggest you look into other options instead.

We had insurance with this company for 2 years. We had no issues in our 2 years with them, they were awesome when we moved to BC....until we cancelled our policy to obtain insurance in BC.

We called to cancel. They never told us of any additional costs or final balances, I actually have a letter from them stating that there were no additional amounts owing. We left it and went on our way.

3 months down the road we get a letter from a collection agency saying our account has been assigned to them for an owing of $274.
They never once tried to get a hold of us by phone, by letter, by email.... anything to inform is of this money owing. To say we were blindsided is an understatement. We called numerous times and was refused answers on WHY we owe this amount. Asked the manager for a copy of a statement of what the owing was for. No one would do anything and told us to deal with the collection agency.

I would never use them again and I sure as heck wouldn't suggest them to anyone I know.

I am so done with this company. Their customer service is atrocious.

Lately any change I have made to my policy has consistently resulted in a mistake made on their part that requires a lengthy telephone to call to resolve.

The person on the phone normally seems annoyingly unconcerned and unapologetic about the poor service and in one of the most recent events this person was a manager/supervisor who was curt and rude leading me to beleive that the companies issues are systemic.

I have been paying just south of $10000 a year for auto and home policies and I am certain I can find a company that is more deserving and appreciative of my business

They were good at first and then I was cancelled because I missed a payment by 1 hour.... 1 HOUR!!

They just want money and apparently they have so many customers in line they dont need your money.

I could understand if I didnt pay my insurance but i did and then for them to cancel me because I was a little late? and have no way of making it up to them... garbage.... don't waste your time with these guys. the Government should step in and put a stop to this monopoly that we have to go through just to want to have insurance.

See all the NEGATIVE reviews??

That is there for a reason, go somewhere else.

I have been with TD for four years always paid on time, but every year my rates went up. Both my wife and I have clean driving records and have been diving since 1974 and 1978. We drive an 06 Cobalt 10 km a day. This years they want 1934.00 per year. I got other quotes at half the price. So bye bye TD find someone else to rob.

I tried to pay my bill by cash at the local TD bank with my bill in hand. The teller was unable to process the transaction ( the account # on the bill was in the wrong format). The teller tried to call meloche but was unable to get through. So I called meloche myself and waited on hold for 20-30 mins. The man from meloche told me the best thing to do was to send a certified cheque by overnight post. So I went to my bank got a cheque and jumped through that hoop. Later I called to get a quote to add my car to my home insurance. I was informed I had no home insurance. Apparently my bank printed an official cheque not a certified cheque. Meloche cancelled my home insurance without a phone call. I am told by my bank an official cheque is the same as certified. So I called and explained all this meloche and to tell them my bank would vouch for my story. Melcohes decision: I owe them $100 and I can't get insurance from them for 5 years.