Comments on: A Car Insurance Story

By: Dave B

Dave B — Tue, 22 Nov 2011 05:37:08 +0000

TD Meloche Monnix are only too happy to take your money but don’t expect you will ever get anything from them if you actually have to use the insurance. I was in an accident where the other driver was at fault and TD did absolutely nothing for me, I had to deal alone with the other insurance company and got screwed around royally. They’re all crooked but TD is worse than the rest. This industry obviously needs a shakeup. I’m thinking public no-fault insurance plans in every province. Manitoba has had public insurance for almost 4 decades now and they have the lowest insurance rates in Canada.

By: J. Hale

J. Hale — Thu, 10 Nov 2011 01:52:26 +0000

TD Insurance sucks !!!!
The Re-Inspector of Ontario told us that “everyone has dropped the ball on this claim”…

Everyone from the emergency response crew, to the claim adjusters to the Re-Inspector LIES…..We have all our insurances with TD Insurance and what a nightmare – in fact we are still in the process of having our house restored after our dishwasher decided to spew hot water during the night (hey – that’s the cheapest time to run it)… This happened August 29th, 2011 – as of today I still have no kitchen… Best of all First On Site was the emergency crew who dropped the ball on everything – our adjusters from Crawford & Co totally ignored our pleas about the mold growing on the wet furniture and carpeting in the rec room for over 3 WEEKS – let alone our constant inquiries to when they where going to install the new furnace (took 3 weeks – 2 heat wave, 1 week cold spell)… they never did ANYTHING ABOUT THE MOLD GROWING (and didn’t care about our 8 year old son living in the house) – until we begged, screamed and shouted about having a mold test – yep you got it – it was heavy and positive – it took TD Insurance 4 weeks to approve the test – now after over 3 months later – they think it’s a great cost-saving idea – directly from the TD INSURANCE, RE-INSPECTOR OF ONTARIO, who stood in our home and agreed the kitchen would need to be completed fixed – as the bottom cabinets where the lovely container where they mold they left for over 3 months has grown…. only to have his official report state that he thinks it’s a great idea to give us a new cabinet base – and get this…. PUT THE OLD CABINET DOORS BACK ON, so that way the whole kitchen still matches!!!!! and that way they don’t have to do the upper cabinets as we were originally told to by the adjuster….Can you believe it? We’ve endured mold growing in our home, horrendous service in all areas, and now they think that no-one will notice that the base is new and the top is totally different… but wait – the doors match!!!

We thought by buying our insurance with the national brand of TD we were buying peace of mind…. instead we bough a kick in the ass….

TD Insurance by their lack of responsibility to their client has now de-valued our home and our lives…… TD INSURANCE SUCKS!!!!!

By: D. Walker

D. Walker — Mon, 04 Apr 2011 15:45:25 +0000

Funny, everytime renewal comes up they want more money, they want to cut me off because I won’t add my kids that are over 25 live in my house have their own cars and insurace. TD demand I add them to my ins. and pay more for this. I want to call the office and get some call center and get told it could be a ONE HOUR wait, yes one hour I am waiting as i type this. TD sucks, no service, want more all the time cannot get an agent without long waits, get badgered for increase rates then threatened with cancellation if I don’t pitch up more money and have been with them for 5 yrs and had ins. for 35 yrs never a claim.

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By: suresh

suresh — Tue, 21 Dec 2010 21:24:07 +0000

TD is not the best insurance out there.
I just got on an accident and it was completely other driver fault and she got a ticket on the spot.
Here is the bad part I am still trying to get hold of my adjuster to know what’s going on with my claim.
Also one of the TD representatives told me that they will only put after markets parts although I have full coverage.
Well that’s what I thought until they told me there is section 43 or 7 (can’t remember well now) that I need to add to my insurance to get dealer parts.
Of course there will be premium charge of 10 to 15 dollar every month.
Bottom line my 2009 Honda pilot price just dropped by 50%.
If you have TD insurance and own a new car make sure you call them and have this clarify.
Let’s hope I will hear from my insurance adjuster some time this week.

By: Neil

Neil — Thu, 16 Sep 2010 05:03:30 +0000

I have been with Meloche Monnex for at least 10 years. Before it was TD Meloche, the service was outstanding. Now that we have a claim we are getting more of a run around than a proper reaction. The adjusters don’t return phone calls, their emails say that due to a high volume of claims (for months now). It seems that TD is becoming more focused on their profits than their customers. Appraisers were out, estimates were in months ago, now it seems to be up to the customers to manage the claim process, very very disappointing. Before this claim, you couldn’t have pried me to another insurance company, but boy have things changed!!!

By: Andrew Bazan

Andrew Bazan — Mon, 24 May 2010 20:00:43 +0000

TD Insurance is a complete nightmare. Our home was damaged when a City fire hydrant and water main exploded for several hours at our home in minus 50 weather in February of 2004. Still in a lawsuit over this mess and we have lived in half of a home since 2004. Surprise TD never went after the City of Winnipeg or attempted subrogation that way. Yeah, cities have money and lawyers, but they’ll go after a 14 year old for negligence.
The adjuster lied and told us all the mold in our basement was “natural black debris”, we have a 12 year old in the house, how evil is that. Our sidewalk they claim is not a structure and therefore not insured. yeah, cause TD must think that on the 8th day God created pavement. All experts, including Td’s say that the mold was caused by the flood, which we have coverage but TD just leaves us in this mess. They just run you out of money to avoid paying. let the insureds get ill but avoid paying or investigating claims. TD insurance has been a nightmare for us. Good luck to those who have policies with them.

By: Monica

Monica — Fri, 21 May 2010 18:48:35 +0000

I am switching from TD. They increase my rates by 25% for no apparent reason. I haven’t had an accident, never made a claim, got a clean driving record, etc. They could not justify why they did it, so I cancelled my insurance.

Buyer Beware…RBC is offering me a MUCH cheaper rate, so I am going with them.

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By: Toronto Resident

Toronto Resident — Fri, 12 Feb 2010 17:12:48 +0000

As good as TD Insurance is, my key concern with TD insurance is its phone-only contact policy. They don’t have any retail branches where we can go to talk to a client service rep.

DanCab’s comment kind of reinforced that.