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Specializing in personal insurance, TD Insurance (TDI) is a great fit for anyone who wants to have complete control over their personal coverage options. TDI offers multiple tiers of coverage and risk protection in most of their coverage areas, allowing customers the chance to build an insurance package that fits their needs and their budget.
TD Insurance offers a full range of personal insurance products to customers throughout Canada, from basic home and auto policies to travel, rental, specialty vehicle, life, accident and sickness and even a credit protection policy. TD Insurance’s stated goal is to assist Canadians in finding a mix of coverages that is right for them so that they can have peace of mind.
Customers rely on TD for the following features:
No shortage of ways to create multi-line, bundled packages with the potential for savings
Excellent customer service and a fast and fair problem resolution system in place
A wide variety of options for any personal (non-commercial) coverage
TD Insurance Advantages
TD’s reputation as a customer-first insurance company is backed up by their versatility in the products they offer. TD wants customers to not only be able to choose what risks they want to protect against, but to be able to understand their insurance policies so that when a crisis comes up, they can be confident that they’re protected.
TD Insurance makes it clear that the company is all about protecting its customers. To ensure that TD agents keep a customer’s best interests in mind, the company does not have a staff that works off of commission, freeing agents to provide necessary information instead of trying to upsell. Some of the advantages of using TD Insurance for your personal coverage needs include:
Customizable Packages – For almost every product they sell, TD offers a variety of tiered coverage options, allowing the customer to pick and choose what they want to include. TD also gives customers access to a versatile selection of multi-line discounts based on the different plans and services they elect to buy and bundle.
Customer-First Policies – When customers use TD Insurance for their personal coverage needs, they can have the peace of mind that comes with knowing a company has their best interests in mind. TD provides unmatched guidance and crucial information for current and prospective customers alike, so that they can have confidence in the insurance buying process.
User-Friendly Technology – Visitors to TD Insurance’s site can use an assessment tool to identify what types of insurance their unique set of life circumstances call for. Additionally, TD offers auto insurance customers the opportunity to use its app to track driving habits in exchange for the opportunity to earn safe driving discounts.
TD Insurance Products
TD Insurance doesn’t sell any commercial insurance products, choosing instead to focus on having an industry leading selection of policies for home, auto, life, accident and sickness coverage, as well as credit protection.
TD offers three separate coverage levels for the following:
For all three, TD allows customers to choose the level of risk protection they want and can afford. The company also makes some discounts available, and customers can save by:
Going 5 years without a claim
Having an approved security system
Having a remote fire detection system
Having a mortgage that’s completely paid off
TD Insurance’s coverage of vehicles involves a set of mandatory risk protections, including accident liability and direct compensation. Also offered are enhanced and special coverage options, including:
Enhanced coverage for specified perils
If a vehicle is lost or stolen, the owner can be reimbursed up to the value of the car
Discounts for TD auto policies include:
Bundled home and auto discount
Discount for having an approved anti-theft system
Discount for having two or more vehicles insured with TD Insurance
Safe driving discount, if a customer uses TD’s driving performance tracker
Motorcycle and RV Insurance
TD Insurance also has a range of coverage options for motorcycles, RVs and other specialty vehicles, including:
Each of these come standard with the coverage perks you’d expect from such a policy, such as third-party liability, direct compensation, and accident forgiveness, but also give customers the choice of additional coverage against different levels of extensive perils.
In addition, there are other ways to save on these coverage options, including:
A discount for bundling an RV and a motorcycle with a home policy
A discount for bundling a home insurance policy with multiple motorcycles
A discount for having an approved anti-theft system installed
A discount for bundling a standard automobile with specialty vehicle coverage
TD offers travelers different ranges of coverage based on how much they travel and their unique risk profile, insuring plane tickets and reimbursing medical costs incurred while traveling.
TD Insurance provides different types of customers life insurance policies that fit their circumstances, including multi-tiered coverage options for the following:
A customer who is young and single
Customers with a new home
Life plans from TD Insurance are available that promise to protect customers’ financial security by:
Paying off debts
Starting education funds
Replacing lost income
Covering estate taxes and maximizing estate value
Accident and Sickness Coverage
TD Insurance also offers minimal personal health insurance plans that provide risk protection in case a customer:
Is critically injured or ill
If a TD customer suffers death as the result of an accident, the decedent’s family would receive a tax-free benefit.
TD customers can elect to add coverage to:
TD Insurance Trade Names & Brands
The following insurance companies, agencies, and brokers are collectively known as TD Insurance (TDI):
TDI Insurance Companies:
Security National Insurance Company: Offers home and auto insurance in Canada under the trade name Meloche Monnex Insurance and Financial Services in Quebec and as Meloche Monnex Financial Services Inc. in the rest of Canada.
Primmum Insurance Company: Offers group home and auto insurance in Canada under the trade names TD Insurance Meloche Monnex and TD Insurance Home and Auto.
TD General Insurance Company: Offers home and auto insurance in Ontario under the trade name TD Insurance Home and Auto.
TD Home and Auto Insurance Company: Offers home and auto insurance in Canada.
TD Life Insurance Company: Offers home and auto insurance in Canada, except for Quebec.
TDI Insurance Brokers/Agencies:
Meloche Monnex Financial Services Inc.: The Ontario distributor of home and auto insurance for Professionals and Alumni, underwritten by Security National Insurance Company.
Meloche Monnex Insurance and Financial Services Inc.: The Quebec distributor of home and auto insurance for Professionals and Alumni, underwritten by Security National Insurance Company.
TD Insurance Direct Agency Inc.: The Canadian distributor (except Ontario and Quebec) of home and auto insurance for Professionals and Alumni, underwritten by Security National Insurance Company.
I entered all of my information online and got a great price. When I called they said I needed to fill out an application and they would have to review it. WTF I already entered it all online. Why make it so difficult to buy?
Rating: 2.5 2.5 /5 stars
Weird policy on home insurance
Patrick Muiron 2018-07-28 03:42:41
I have auto insurance with TD Meloche Monnex. They offered me condo insurance as well, and after the application, the confirmation email never came. apparently they wouldn't insure me because I wasn't already insured with another insurance company.
I'm satisfied with what I pay for auto insurance, but I really don't understand why they won't offer me insurance for my condo just because it's not already covered.
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About Mitchell & Whale
Mitchell & Whale Insurance Brokers is a family-run business since 1948, now operated by Adam Mitchell, the third generation in the business. Clients are considered part of the family too. In fact, over 90% of our clients stay with us year after year, thanks to the trust they have in our insurance experts.