TD Insurance Auto Insurance Reviews

TD Meloche Auto insurance has zero customer service. They have owed me a refund for over 2 years and still waiting. No one answers the phone - no one provides details on why I am still waiting - only a request for a letter that has been delivered to them no less than 4 times. Avoid Avoid Avoid!

Do not get insurance with TD. You will regret it. My advisor would not return calls or emails. He also would not let me come to see my car in person. He also refused to send me the repair statement in writing and tried to pressure me into writing off my car and taking a very low payout, all over the phone. After submitting a formal complaint I was finally sent a copy of the repair estimate and it was totally different from what I was told over the phone. After three weeks and a formal complaint, I was finally allowed to see my car again. I was truly shocked at how crooked and poorly run this place is. If I could give a lower rating than 1 star, I would. To make things even worse, when I complained through TD, they admitted I had been treated terribly but did nothing to fix it. Just meaningless apologies from someone over the phone, who does not even work at the location I went to.

I have been with TD Insurance for over 35 years and never made a claim. Wife had a minor accident in 2016. I recently made a claim due to a trailer becoming detached from my vehicle and struck my truck. It was investigated by Police and found to be a mechanical failure on the trailer hitch. They list it as an "At Fault" accident by me. When I questioned the claims advisor, she berated me saying it is my responsibility to ensure hitch was not defective. I cannot get them to understand it was a "Mechanical Failure". I spent countless hours on the telephone waiting to talk to someone about my claim. Further, they do not call back with voice messages or e-mail. Terrible customer service, with no common sense.

Horrible customer services. Very hard to get ahold of my adjuster. Have called 4 times and left 2 voicemails in the past 3 days. My vehicle was hit, not at all my fault and I’ve had to struggle to find ways to work and live my life for the past week without transportation. No one seems to care to move forward or return my calls. It’s very frustrating especially when the accident isn’t your fault and you're left to do everything on your own. On top of it, they expect me to find a way to move my car from the impound like I have 600$ laying around or a place to park an undrivable damaged car. I don’t have collision insurance on my end but is it not my adjuster job to contact the other party and get things going? Yet, no phone calls back in 3 days and now 9 days past the accident. Ridiculous. Considering leaving this company after this service.

Run away from TD insurance. I was hit by another car while sitting at a light. Damage was minor (needed a new bumper) but I really should have taken the other driver's advice and just had them pay for it. I thought that going through TD insurance would lessen my hassles but this is where they began. I tried to get through to the claims department, which took more than an hour on hold, and then had my claims adjuster go on vacation with no one taking over. I had to cancel the autobody appointment and have not been able to get in touch with the claims department again (apparently they are always experiencing a 'high volume' of calls whenever I call). When I call to pretend I am buying insurance, I get someone right away but when they take my info and say they will call back with offers to help with my claim I do not receive a call in return. On top of this, they increased my rates! In short, TD appears to have put considerable resources into taking its customers' money (I guess this is where my rate increase is going) but little into doing the service customers are paying for. If you have infinite patience, enjoy being on hold and dealing with people who cannot help you, choose TD. If you want insurance, choose anyone else.

First off the customer service is horrible, every time I called I’d be on hold for 1 hour, and then they’d fumble around saying they couldn’t find my policy or my account. They didn’t send me a letter to renew my insurance, so I wasn’t aware if my car was insured or not, someone told me they’d call me back and they never did. Fast forward to when my car was stolen, I opened a claim and they closed it the next day, as my insurance didn’t cover car theft, I guess. So I tried to cancel my insurance, was on hold again, and they fumbled around saying they couldn't find my record, or my policy or anything under my name, I don’t know what database they’re working with but they need to update it. I cancelled it and they said they’d call me back after 5 PM the next day. The next day they call me before 5 PM and leave me a message to call them back. I call back and no one on the line knows why they called me or what to say because they couldn’t find any record of a cancelled policy. These people seem like they have no idea what they are doing, and do not care about their customers at all. They also sent me an email with the title “We are here for you” after they told me my insurance doesn’t cover stolen vehicles. (Way to rub salt in my fresh wounds, TD). Now I’m here without a car or money for it and right now I am more unimpressed by the customer service at TD than I am by the people who stole my car.

TD insurance is the absolute worst insurance company that I have ever dealt with. After cancelling our policy, the insurance company continued to dip their hands into our bank and take out money. This week, they completely emptied out our bank account, which was intended for medical supplies, and said they were unable to return the money but would put the extra payment towards our other policy and they would be happy to provide us with a $25 gift card “for our troubles.” How about return the money they fraudulently took out of my bank account?

If you have a TD bank account, then take your business to another bank. I have had similar experiences as posted here. No discount on App. The rate went up $190 the next year for no reason. It's as if their Ad agency, the board-room got together and said: "We'll give them the average rate the first year then screw them royally after that". TAKE MY ADVICE. Do not get TD insurance and if you have a TD bank account, switch banks !! I DID (the only way they will learn). TD, get out of the car business and fire your AD and APP agency, we are not suckers.

Hi all, I sign up for the TD home and auto insurance policy 1 yr ago till today. TD insurance guys increased my insurance $20 more without any clams from me, I didn't even change my addresses. When I called them, 0 customer service, 0 help from them. They said claims in my area is the cause of the increase in insurance. It's the same thing as one rep offered customer world tour, next rep got fired for his false promise. It's same as one did crime and police handcuffed innocent sitting next to him. It's the same thing that one's credit history is screwed up, another friend got mortgage denied. It doesn't make any sense, I wonder who comes up with the most stupid policies on earth. TD you guys are losing business, good customers like all of us, shame on you guys. Very greedy people and shameless liars. Very unhappy and pissed off by TD home and auto insurance.

I was with TD insurance for 16 years and I'd give them a negative review if I could. I have never made a claim or had an accident. I moved to an extremely small town a few months ago and they doubled my renter's insurance premium. They made the claim that there must be a lot of crime in the area. So I went from $30 to $60 a month. I called around for quotes and was getting them in the $15 to $20 a month range, so I cancelled and they decided to raise my auto insurance from $115 to $155. I got quotes for $80 to $100 a month elsewhere, so I cancelled everything with them. Now they owe me a refund and will only tell me that I will get it back sometime in the future. They won't even give me a date. You have to sit on the phone for hours trying to get through to someone. Absolutely horrible customer service.