Meloche Monnex (TD Insurance) Auto Insurance Reviews

Never any agents available to speak. I’ve been told multiple times they’d look into clear glitches in the app (I emailed them multiple screenshots to illustrate the glitches). No reply, no follow-up, and when I called to follow up, both times was told they had no record of this issue or any investigation into it.

I am a client at TD Meloche Monex for more than 10 years now. It started with my first car when I was 17, got a good price because of their partnership with different Universities and Professional organizations, etc... I also got my home insurance with them now. HOWEVER, it is now impossible to speak to someone. Client service is awful. I don't think they have anyone listening to the phone anymore...They want us to do everything through the App or Website, but sometimes, you just have to speak to someone in order to explain a specific scenario... They should get 0-star review. I had one claim once. I got hit by someone. To be fair, I was happy with the process. For my claim, I was able to speak to someone quickly. The whole investigation process was fast and they sent me to a good car body shop (in eastern Montreal), so I can't say I had a bad experience with the claim. But again, for all other stuff (e.g. explanation on price, modification to policies), getting someone on the phone is a journey! Anyway, this year they increase my insurance rate for about 30% for no reason. Of course, impossible to talk to someone for an explanation... you need to wait for days on the phone... Now the rate is not competitive anymore, I am paying more than what I would from other insurance companies for similar coverage. I decided to move on with a better insurance company.

I called July 2 to put insurance on my car from storage. No option for a callback service and waited on hold for over half an hour before I assume it is now outside of office hours. Feedback: Add a callback service and/or make some of these options available through the website or app

Their customer service is terrible, it's so hard to get anyone on the phone. Updating your insurance takes 30+ days on their app/website. They've multi-charged us a few times and the only way to fix it, IF you catch it, is they'll charge slightly less per month for the rest of the year to make up the difference. Horrible. The one claim I've had in 30 years, they dropped the ball massively, didn't pay the damages for like 6 months. It took forever and so many calls to finally resolve. The last straw for me was that they'd stopped mailing updated insurance papers every year, so I was walking around with a 3-year-old insurance paper in my wallet and no way to get updated ones (unless I want to sit on hold for hours). I couldn't rent a van because their app was also down and I had no proof of insurance. Thank god I wasn't pulled over by the cops. I struggle to imagine any way they could be more negligent.