Meloche Monnex (TD Insurance) Home Insurance Reviews

I just had my first claim experience after being with TD for 6 years with insurance coverage on two homes. Good luck speaking directly with the adjuster, contacting any management or getting a straight response. Since November 20th when a flood occurred in my house after a rain storm I have received no clear answers until now as to whether I was to receive coverage. Each time I prodded for a response over email, TD would pull out a new exclusion and indicate that this was likely going to be used to deny coverage. Ultimately I've now been denied coverage and will need to take it up with legal. Go anywhere else but here! As noted in my final email to the adjuster, it isn't so much the rejection of my claim that bother me. Rather, it is the immense waste of my time trying to communicate with the adjuster and the nonsensical responses received.

When the statement for my yearly home insurance arrived early this month, I noticed right away the premium was 10 times higher than last year, (after many years of a stable rate) and being on monthly deductions, I was soon to lose a huge sum. I immediately called, and after a short search, the advisor could not find any reasons in the file, so she moved me up to a higher level. Here the advisor spent quite a while on my case but also could not discern any reason for this huge increase (he suggested that he'd never seen such an instance before). I insisted that if he could not solve the 'error' I wanted to cancel immediately since I was scheduled for a serious operation and would not be able to attend to this for quite a while. He got somewhat hostile but finally agreed to suspend the monthly withdrawal until a reason/solution was found. After several days he called to say things were back to 'normal'... but no reason or apology for this huge 'mistake'. If I had not caught it immediately, I would have been out of pocket huge sums and likely have been in long-term hassles as to getting my money back. Having been with Meloche-Monnex for many years, with no problems, I was shocked and taken aback by their attitude. I still do not know the reasons (system errors?).

The customer service is good but the rates are astronomical! I will be saving $80/month going elsewhere and having the same coverage. I called Meloche to see if they could reduce the cost since I have been with them for 4 years and they said this is the best they can do.

I have been on hold for 45 minutes, with no end in sight. So far, I have taken the time to browse the internet for a different insurance provider (I have requested and quote and will visit them as soon as I cancel the current policy with TD) and to write this review. Who knows what else I may accomplish before someone answers the phone.

I have been on-hold for an hour and a half to make my annual payment for my home insurance. Terrible service!. Avoid these guys at all costs.

May I suggest you request a copy of your "personal information" which the insurance industry reports to. CGI is similar to a automobile drivers abstract or similar to Equifax and Trans Union for personal credit scores/ratings.

Ensure the information and claim history that the insurance industry reports to third party agencies is correct ! Personally, I was successful in a Alberta Court Action, without admitting fault (with full disclosure privilege) in a civil defamation suit for Libel...against both CGI and TD Meloche Monnex for reporting false information on three separate occasions.

This is the worst insurance company, Terrible customer support filled with lies and attitude. No compassion for their customers who are going through difficult times in their lives, Building collapse, you got robbed, they don't care, any excuse to not pay up even 1st claimers who have been loyal customers for years.

Please be aware of TD Insurance! I have been with this insurance company for years and I got hail damage which is beyond my control. My house was fully insured by TD insurance and they refused my claim. In every house in my area, their insurance company replaced their roof and siding, TD Insurance did not fix the damage! I was insured with them for years and they did this to me. Please don't go with this company, they will refuse your claim and all the money you paid them for years will go out the window. This company and their employees are ruthless rattlesnakes. They will give you insurance but never ever will pay out if anything goes wrong. Run, run for your life from them. They are the biggest liars in the insurance business!

Autorenew rates go up 40-80% per year.

I had one claim. They took all my info and never called me back, I waited upwards of a week and then called to complain and to cancel.

Then someone called me back right away and said they were sorry, They were busy, etc, etc.

I had water coming through my ceiling.

Stay far far away!!! BCAA in BC is a far better option. I hope TD insurance falls flat on its face.

I'm going through a tough divorce. I called to take arrangements that were extremely important with my lawyer involved as well. So, we talk and come to an arrangement. One week later they called me back and told me that unfortunately, they made a mistake and cannot offer such an arrangement. That completely ruined my case. I had made sure to give full details of my story. This completely ruined things. What a bad experience. Took over an hour on the phone arguing but gave absolutely nothing at the end of the day. I will never do business with these guys again.