TD Insurance Auto Insurance Reviews

They change your premium without updating the customer and when we ask them the reason. They tell us that TD sent a mail which I never received. They deduct money from your account without us knowing. Just till scammers. And when we ask for a refund they say one or the other reason and are not willing to give a refund at any cost. So bad service. I would not recommend TD to anyone.

My Auto policy was renewed by TD during midterm without any prior notification/communication to me. And Policy amount was increased by 25% again without any prior communication/notification. When I saw an updated monthly charge on my account, I reached out to TD and they said they tried to call me once and I was not reachable so they went ahead with the increase. I filed a complaint with TD and even after 3 months, they have not been able to provide me with any reason why I was not informed about changes to my policy. Very horrible service, never ever going back to TD for any service.

I changed to TD insurance and my family also. Come renewal, no accidents. No claims. No tickets it is a grand higher for 0 reason. Decide to cancel for obvious reasons. Spend an hour on phone to get a quote to cancel. Call back to actually cancel now 3x the cost. They are ridiculous. Getting rid of them no matter the cost. Do NOT get them. Cheap year one, kill you on renewal!!! Beware

Worst insurance providers ever. They deducted insurance money twice in 10 days. When called them to return the money, they just said it was just a mistake and will be returned in 10 business days. Fraudsters. The call agents don't even know what exactly to say. Every year my insurance went up instead of going down. Real scammers.

I was insured by Meloche Monex /TD for 20 years. Prices were climbing up on yearly basis without any meaningful explanations. The last jump was $2000 presumably for one speeding ticket $40 exceeding the speed by 10 km!?
Ridiculous explanation. Have to change it for another insurance. Loyalty is meaningless nowadays.

I've been with TD Insurance for over 20 years. This is has been my experience:
1. They only care about new customers; not existing ones. The proof is that when you call, the wait time for the new customer line is typically under 5 minutes and for existing customers, it is at least 1 hour (if you are lucky). The trick is to select "new customer" when calling as they will still help existing customers when you select that option to skip the ridiculous wait times.
2. This past year, they raised my premium by 40%! I had no claims, no tickets and had the same car as the year before. When I called to inquire, they claimed it was because of "my area". That would mean that nearly everyone would have had to be in an accident with that type of increase! Even more unlikely during Covid. I contacted a broker and she found multiple carriers offering insurance at around 40%-50% less than what TD was offering.

I had been happily insured by Meloche Monnex for 30 years when TD bought them out. At the first annual policy renewal, my insurance increased 86%. The second year another 56%. I complained through all levels of management and their ombudsman with zero effect/reduction. In next two years around 10% increases. More complaints to no avail. This year another 3% increase. Finally, after 34 years with Meloche Monnex/TD I had enough and moved all my 4 vehicles to another insurer. I saved close to 50%/year!!! My advice to all TD Insurance customers: shop around, you are probably paying too much!

I signed up with TD Meloche Monnex for my home and auto policy. The first year the rates were good and they offered me an alumni discount. The customer service was great I was happy. Then I received notification that TD/Meloche Monnex was just going to merge. When it came to renewal time my car insurance by itself went up by $900 a year. I called and was like what...? They told me it was because I had a speeding ticket. Well, it was the same speeding ticket I had last year. They couldn't figure it out so they said a manager would follow up. That never happened. I called a month later and they said someone was still looking into it... I never heard back. They tried to tell me I would have to pay a cancellation fee even though I tried to sort this out before my renewal. I asked to speak with someone to dispute that. I never heard back. What a terrible process and on top of that all the representatives were extremely rude. All the representatives for TD/Meloche were wonderful. It's a shame...stay away

We have been with Meloche Monnex for probably 1996. Due to me being a professional engineer and apparent best rate.

We can say the first 10 years were great. 2nd 10 years - just pain with always calling to get my rates reduced as they always add extras. Now it is absolutely useless. Phone in number - forget it. Holds you for 15-20 mins then they hand up. Their driving app - probably the worst ever - try to call the help number - good luck. In 3 years - I have yet to reach anyone. The app is locked up for the last 2 years - no way to talk to someone. What a joke.

What a joke. I will be switching shortly. I found that another insurer has almost 50% less pricing! Don't waste your time.

Wait times are ridiculous, customer service is horrible. Rates double every year, no personal agent to deal with. I'll never use them again