TD Insurance Meloche Monnex

Do not use Meloche Monnex! Stop. They do not help! They do not call you, they do not return emails. They do not put you in a situation that is helpful given your insurance claim.They are great! at taking your monthly payments, but when it comes time to needed your insurance coverage, whoopps! where did everyone go?Just terrible customer service. Wish I never worked with you! GARBAGE! Maybe now, after 4 weeks, someone will call me back? claim 036505949

This insurance is not reliable to track your changes!Ensure you have all your documents at all the timeEnsure you have your online account and get screen shot of your activities at all the timeEnsure your payment is accurate because they are not capable of recordingEnsure to record your conversation at all the time to protect yourself from accusations ( they accused me to lie about having insurance and wasted one entire day on the phone with 10 different advisers because they forgot to update my insurance changes)Last, ensure to choose another insurance company

policy effective rate is different from what you get online and there is no confirmation whatsoever. i only notice this a month from now and i would like to cancel the policy, guess what, there is a short notice policy cancellation fee" on top of the high premium for the first month i didnt expect. i decided to cancel the policy anyway cuz i dont want to deal with them in the future at all. buyers beaware"

Placed a claim for a fridge failure. Destroyed my hardwood floor. This is a rental, and the tenants are longterm and generally have been good tenants . Tenant says its been an ongoing issue to the insurance company. Which it has not been. As soon as TD heard this they said ongoing issues are not covered. The tenant corrected their statement, but still deny. I continue to appeal, because I know my claim is a legitimate claim. Been a client for years. I have been treated with so much disrespect and like I am liar, which I 100% am not. Not impressed. Yes they seem to be a little cheaper….but RUN!!!

Working with TD MM was painful. I spent over 2hrs on the phone with them to simply update my coverage plan for my condo. I had to be the one to call them back on 3 occasions after they didn't call me on the dates they communicated. It was an overly painful experience and I do not recommend.

They can screw with personal and financial information by sending them to your old address while referring to your new address within as well. Ironic right?Now Imagine that the mail can also get opened by accident because the sender did not bother checking that the recipient name can be hidden from envelope window (which makes automated mail forwarding checks useless).They promised to fix the issue for further mail correspondences yet I still recently got mail sent there. Now they direct me to voice/online messaging for callback in which they ignore. What a way to do a business!!!Finally I was able to handle their mess and do some damage control by fixing the mailing address online via my account (Which I wasn't able to do so before). Still not confident that future mail would never sent again to the old address.BTW financial information sent is also used when calling them and verifying the caller's identity. Identity theft that is waiting to happen.No apologies, no accountability, and no other place to accept escalating the complaint to (including media and regulatory bodies). A complaint system that is designed to fail customers.I wrote this review believing it won't change anything about the business practices. However my review (if it sees the light) may help few lucky ones deterring from such business that can put their privacy and identity under risk.

I was an auto/home insurance client with TD since 2006. They told me my auto insurance would go from about $150 for a 2006 Mazda 6 4-dr to $320 on a 2014 4-dr Honda Accord LX 4-dr in 2022 because it is a silver vehicle and the model is on a list of most stolen vehicles. I spoke to two supervisors and they follow the same script indicating the government of Ontario dictates the insurance pricing ranges. I cancelled this policy and found quotes for much less than half the TD premium.I have been paying home insurance on a home with k&t electrical wiring for $160 premium in 2018 to now almost $200 premium per month with TD Insurance. The original pricing reflects outdated electrical wiring that is why it was/is sky high. After spending A LOT of $$$$ on replacing the electrical wiring in the home and receiving an ESA certificate, TD claims there is no change to the premium. I spent $500+tax just on the certificate to provide to the current insurer. DO NOT USE TD INSURANCE! AVOID Toronto Dominion at all costs they are running a SCAM.Guess what? I know someone who had aluminum wiring replaced a number of years ago, and the exact same story took place. No change in premium after spending $$$$. Yet they were quoted high to begin with due to aluminum wiring. How is this not criminal?I hope we see a documentary on this scam soon.

Started out with Meloche Monnex, great service, great pricing. Then TD took over, OMG, pricing went through the roof. Tried to get my son added as a G2 occasional driver. For the first car, Lexus RX 350, they wanted to get CAD 3,500, then to add the second SUV, I was too afraid to ask. Changed insurance companies, CAD 1,200 per year more than I paid for last year's TD insurance.In addition, it is very, very annoying to communicate with a voice machine for ten minutes before being able to speak to a live voice.Overall disappointed.

Been insured with them through my professional association for years. I've had no claims, every bundle and incentive applied and they are the most expensive by far. They do not care about customers service.

Absolutely awful customer service. I have been with TD for a long time. They used to be great and have very good customer service which is one of the reasons I went with them. I don’t know if there has been some type of major change over the past while however when I went to add an additional property very recently their customer service agents were combative, rude and extraordinarily unhelpful. I would highly recommend going elsewhere unless you have an existing product with them.