TD Insurance Meloche Monnex

Sent some 3rd party agent to go through my house to take pictures for no specific reason. The pictures he took would have captured personal family photographs. Very invasive and concerning.

WARNING - WATER COVERAGE WITH TD HOME INSURANCE: TD will ask you about 3 separate coverages for water damage, charging you for each type of coverage. After that they will tell you that mold & fungi are not included in the coverage. I got off the phone with them and their expectation is that after every rainfall you look inside your attic and walls for water leakage, and if you do not find it within 3 days you are not covered. If you have a leaky roof and it takes a bit to show up on your ceiling in your house, you are NOT COVERED! THIS IS YOUR WARNING!

Worst insurance provider in Canada. Jacked my insurance premiums up by $700 and raised my deductible by double. So pay more get less. After 6 years of being a loyal client for TD Insurance this is unacceptable and thats all without any at fault claims, tickets or any other negative impacting occurrences. Tried to speak with a person sat on hold for 4 hours then was told that it was the wrong department transfered me to another department that had another 90+ minutes wait. Failure as a business and horrible customer service will never use another TD service again.

I’m sharing my experience so others are aware. I called TD Meloche Monnex only to request a quote. I did not sign a policy, agree to coverage, or authorize any charges. Within weeks, I received a registered letter stating that I owed $91. This was shocking, as I had never consented to anything beyond a quote request. I contacted TD to dispute this and explained that no agreement had ever been signed or accepted. Instead of resolving the issue, the matter was sent to collections all within roughly one month of the initial quote request for $91. This escalation felt completely disproportionate and unnecessarily stressful, especially given that no contract or authorization was ever provided. Being sent to collections over a disputed quote for such a small amount is concerning. I would strongly caution others to be very careful when requesting quotes and to closely monitor any correspondence that follows.

I have been a TD Insurance customer for years and paid higher premiums believing the claims service would justify it. My recent auto claim proved otherwise. An accident (other driver at fault) turned into a eight-week ordeal involving three different adjusters, long hold times, ignored emails, delayed repair approvals, and attempts to push non-certified parts (not to mention aggressively trying to force me to use their repair center). Communication was inconsistent and no one took ownership of the file. In the end, TD refused to cover certain damage, provided little explanation, and ended the final call by hanging up on me on purpose when i said i didnt accept their answer and wanted it escalated. For a company that charges premium pricing, the level of service and professionalism was deeply disappointing. Stay away - worst consumer experience I have ever had in my life.