Meloche Monnex (TD Insurance) Home Insurance Reviews

Tried to get a answer why my claims free home insurance increased by 30% and was told on phone no one can help me at this time! What? Are you kidding me?

We bought a new house and want to switch our policies to the new place. I am on hour two of being on hold. This is absolutely ridiculous! I don't have time to sit on hold for hours, they need to step up. Because of this, I am looking for another provider and I have been with them since 1997. Wow.

The wait times were common throughout our usage of TD. One time they had a question about my employment, and since we missed the call we called back and waited over an hour. This was strange because when we wanted to sign up they picked up right away-- but wait times happen. My wife and I wanted to change the address when we moved halfway through the policy, so we called and waited four, three, and two hours on consecutive days before giving up. Because our landlord needed proof of insurance, we had to go with another company because we couldn't get through to change it! Now, we are trying to cancel and call periodically for seemingly infinite wait times. Sometimes the company hangs up because they are closed, sometimes we wait for four hours and have to leave the house. The waiting music is unbearable! Now, we have a policy we didn't even want to cancel on an apartment we no longer live in because we haven't been able to get through for two months. I'm frustrated and have no idea what to do at this point.

We had damage to our roof. Filed a claim. They put forward a roofing co from their approved vendor list and assured us this was a reputable vendor. The roof was fixed, or so we thought. 2.5 to 3 years later we started seeing stains from the water on our ceiling. Called TD. They ignored us and when we finally did get a response it was just to say so sorry the warranty period is over and that roofing co is now bankrupt and they tried to convince us the damage was due to condensation (it wasn't). We had a certified roofer assess our roof. They took numerous photos and highlighted numerous deficiencies in the work done by the TD appointed roofing co. Things were on backwards, were not in place at all or were missing portions of the standard requirements. TD shot back that it is out of warranty and other excuses to disregard our claim. We now are out of pocket for the 1k paid for the deductible on the first claim, have increased monthly costs due to filing a claim and are now out of pocket 12k (we had the roof fully done by professionals to stop the damage to our interior). We also have water stains and missing chunks of the ceiling inside and who knows what other interior/exterior damage due to their recommended vendor's negligence...so will have more out of pocket costs to deal with the bad decision we made to trust TD when they recommended their "trusted and approved" roofing co to us. Lesson learned. If your insurance co puts forward a vendor for you to use don't accept them. Get an independent quote and find your own reputable roofing co to take on the work. I will start my search for a new company to take on our 2 cars, house and other insurance needs we currently do through TD Meloche Monnex. If we could afford a lawyer I would take them to court.

Wow! That's all I can say about their hold time. I tried calling them for over 1 month now and have not been able to get someone on the phone. Seriously now, my home phone's battery died on me each time. That tells you just how long I have been put on hold listening to their music. Trying again now and will send a note to the corporate office afterwards if there are really no customer service agents working.

I've found TD Monnex an extremely frustrating company to work with. They only prioritize gaining new customers and do not value retaining existing customers. After waiting on hold with them upwards of three hours several times (no matter if I called in the evening, first thing at 8 am or on a weekend), I tried selecting the option for new home insurance customers and they answered my call within the first 15 minutes. In one case, I received a voicemail from a representative who requested that I call back at the regular number for customers. After nearly four hours of waiting in one day, I finally talked to a representative who could not figure out why I had been told to call back in the first place as everything in my file looked completely up to date. I also had difficulties signing up for and accessing my online account.

I had to make a change to my insurance policy. I've collectively spent over 15 hours on hold, the longest individual hold being 4 hours. I tried using the call back feature for a new policy too, just to see if I could speak with somebody. That system wasn't working either - it would call and immediately hang up. Avoid like the plague.

Price is fine and I guess to some extent you get what you pay for. Be prepared to spend most of a day on hold with them if you need to make a change to your policy or speak with a human being. This is the fifth time I've tried to contact them in the last two months. The first four times I gave up after 2 hours. This time it's been 4 hours. Is there seriously no way to reach someone in this company?