Td Insurance Meloche Monnex

Worst insurance company ever, horrible communication between claims department and customers. If you are planning to go with them I would turn around now and walk away before you bring yourself a world of problems. TD is very quick to take your money, but when you have an accident or claim they could care less. I was expecting much more since I have the highest package you can get for a motor vehicle with them. My car was written off and the adjuster gave me $9000 less then I paid for my vehicle I can say this is totally unfair and they have lost my business forever. I'm just being honest this company is very selfish and will not take care of you like they say they will.

I hate the fact i cant give this insurance company a 0/5 on google. THE WORST INSURANCE, PERIOD. The rates are cheaper than most, but that comes at a very high price in the long run. If you were to ever make a claim for the simplest things (hit and run, rear end collision), TD will try their absolute best to get out of covering it and take months in the process. It literally feels like you were never insured in the first place. My first ever claim over a year ago took about 4 months to resolve, i gave them a second chance as the head office called and apologized after i told them my reason for cancelling. This time around i got rear ended and its been almost 1.5 months with no updates on my claim, adjuster wont pick up my calls or reply to my emails. Believe me, if you every insure your vehicle with them in Alberta and it gets damaged from hail or someone backs into it, you will be without a car for months. I've been with them for about 4-5 years now only because they are cheap with student discount, but it was not worth it. Switching my insurance providers as soon as my current claim is resolved. Hope this helps anyone looking to purchase an insurance policy.

Brutal customer service. Terrible prices. Be prepared to spend hours on the phone waiting on hold. If i can ever get through I will be cancelling my policies.

After 15 years of having my auto and house insurance with them, they decided to increase my premium so much, even when I agreed, they said I have to register my car so they can provide me insurance, I told them clearly how can I register the car with no insurance? In reality they want me to cancel my policy, and I wasn't the only customer, reason was that we live in the NE of Calgary, and for the past 3 years we had so many hail storm, was a great way for them to kick us.
Do not use TD INSURANCE SERVICES

You wait forever to speak to an agent. Always, we are experiencing "very high volume of calls"... In today's world, they have all the metrics, they know that their hold time, abandon rate is terrible. But they just refuse to add extra people to match the volume of customers, remember, it's their own customers to address our needs.

I waited on hold for almost two hours today to talk to a customer service agent. Two weeks ago I waited almost an hour. What has happened to the great service and short wait times I use to receive with this company? Looks like I may have to shop around for a more prompt, responsive company.

Customer service phone lines are always prompt and the people are knowledgeable, direct and very friendly. my policy is significantly cheaper than anywhere else. I haven't had to deal with the claims department but I can't see myself changing companies anytime soon, these guys are awesome.

I used to work at TD, and we had some very unethical practices. For example, if an existing client was deemed "difficult" but we had no grounds for cancellation, then we were encouraged to limit payment options, not be as friendly on the phone, and make their experience as unpleasant as possible so they would cancel themselves. This seems dodgy and dishonest to me, and I am ashamed that I participated in such practices. However, I needed to keep my job, so I did what I had to to fit into the culture. In hindsight, I should have quit about 2 years before I actually resigned. By the time I was done at TD, I had so much guilt and anxiety about the things I did. To fit in and to excel at TD I had to compromise my ethics.

I currently have a claim open with TD. I have not spoken to my adjuster. They were not interested in my photos. I have left 7 messages. The claim seems inflated to me, but the company has very little concern about that. I remember when I worked there that any time a client expressed concern about claim inflations or fraudulent auto claims, I was supposed to tell them, "Whether we pay out $50 or $5000, the impact on your renewal is the same."
However, a company that pays out too many inflated claims will have to increase rates for everyone, including clients with no claims. Insurance is the loss of few paid for by many. My claim has not been investigated at all, but the payouts are already happening. I guess I just find it impossible to trust TD at all now. It is disappointing that they care so little about ethics that they don't even need to investigate the validity of claims they are paying out (paying out with everyone's premiums, I might add, not just those directly involved).

Agents don't call you back or provide accurate information (I was told have to pay upfront for my treatments and use up all my work health coverage before the insurance will give me any coverage)! It's been a month since my accident and they won't return my doctor's call and still waiting on coverage information and a call back from the agent listed on the letters I received in the mail! Ridiculously poor service.

I've been with TD now for about 4 years, and I've never experienced customer service this bad

Last year I had another vehicle back into mine in a parking lot. 4k in damage to me, he was at fault. In the following months dealing with TD to establish liability, I have been continuously amazed with how little they care about their customers and trying to help them.

Here is a small summary of how they handled my claim.

- 3 months post accident, they called me and said that without camera footage, that it would be difficult to prove liability. When I tell them it was a busy public parkade that should have camera's, they told me that I need to investigate on my own if there were any cameras that would have seen the accident. Clearly at this point they had done nothing to look into it, nor where they prepared to. I'm now to "investigate" myself, and send them summaries and any info I could. Doesn't seem like this should be my responsibility, but I oblige. I send a detailed email with sketches and photos.

- After sending my email, I wait hopefully for something from them that they are looking into it, getting the footage of the cameras or something to that effect. Nothing. After no response for a bit, I try contacting them again. Turns out my adjuster had left the country for 3 months. Great.

- Once my adjuster returned, I touched base with him. At this point he told me I was passed on to a different adviser. Ok. So I try getting a hold of my new adviser, who told me he couldn't do anything until I sent sketches and photos detailing the accident. I forwarded him the info I sent to my first adjuster (amazing that the first adjuster didn't?) so he could review. But anyways, all good, new adjuster has all the info, said he would get back to me in a week

- 2 weeks past starting off with new adjuster, he emails me and says that he is no longer on my case, and my case is being transferred again. Great.. Apparently new guy should be back to me within the week

- First contact from new adjuster comes 3 months after that, when I am then told that due to conflicting info, I'd need to accept 50/50 responsibility. Didn't mention anything about looking into the camera's, or anything.

Long summary I know, but I thought it was all important. And when I called a loyalty department to bring up these issues and let them know I might switch? Their response sounded like they weren't surprised, and this is just how TD operates.

TD can be cheap at first, and if you never require anything from them, you might have a better experience. But in the situation when something bad or expensive happens, I can absolutely tell you they will not have your back. It'll take months to even get a hold of an adjuster, and I can guarantee that adjuster will do nothing for you as a client. In the end it cost me $1000, and TD don't give a damn.

Stay away.

Nothing but positive things to say. They just saved me more money asking if my fireplace was brick or gas, admittedly they should have asked this when insuring my house which is why they get 4 stars. All my interactions when I've needed them have been great otherwise.