As a part of TD Bank Group, one of the largest financial services firms in Canada, TD Insurance has built itself into one of the top 3 personal home and auto insurance groups in Canada.
|Products||Auto, Home, Life, Health, Travel Medical, Credit Protection, Motorcycle, RV, & Business Credit Life Insurance|
|Provinces Licensed||AB, BC, MB, NB, NL, NWT, NS, NU, ON, PEI, QC, SK, YT|
*TD auto insurance not available in BC, Manitoba, or Saskatchewan. Check with your broker for product availability.
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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
- Comprehensive coverage
- Accident forgiveness
- 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
TD Motorcycle and RV Insurance
TD Insurance also has a range of coverage options for motorcycles, RVs and other specialty vehicles, including:
- Motor Homes
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
- New couples
- Customers with a new home
- Growing families
- Business owners
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
- Is hospitalized
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:
- Credit line
- Other loan
- Credit card
- Business credit
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.
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TD Insurance Reviews
Excessive waits and poor value
After over 25 years with them, I noticed that they were not picking up the phone any more and the rates were going up every year, even during the pandemic. I decided to shop around and was shocked to discover that my auto insurance was over 50% cheaper with CAA. I have never had an at fault claim or any tickets in the last 16 years. I switched at renewal. When my home policy came due, CAA offered better coverage at 40% less. After waiting on hold for 2 hours to cancel the renewal, I decided to phone using another line, but instead of pressing 2 for existing client, I pressed 1 for new client and after 20 minutes someone picked up. I was able to cancel my policy with the agent (no one ever picked up on the other line). Moral of the story: They do not have enough agents to answer the phone. They prioritize new customers over existing customers. Their products for both home and auto are over-priced. I mentioned all of this to the agent and she said she would be raising this with her management. Based on the poor reviews on this site and others for many months now, it seems that no one is listening.
TD = Torturing Devil
worst work environment and managment ever
Horrible customer service
Something went wrong with this company, they used to be good to deal with, now it’s like a bad reality comedy
Terrible Service – Incompetent Staff & Management
I cancelled my insurance with a vehicle with them. They couldn’t find any record of me calling and the vehicle ended up being cancelled due to non-payment – AFTER I called to cancel the product. I contacted them with the issue, PAID the non-payment (they told me it would be reimbursed to me when they found the missing entry in my profile) I’m still waiting for the call from TD Insurance (after 6 weeks)! I called asked for a Manager and she told me there was nothing they could do.
After the easy decision to leave TD Insurance, the first quote I received for auto and household was roughly HALF of what I was paying with TD Insurance – I NEVER had an accident or a household claim after 15+ years of being with them. (15 years of crap service and overpaying)
Do yourself a favour and look somewhere else for your Insurance.
You will not be able to get any help from them
They just don’t have any customer service. If one needs something they will insult you trick you…. Several times they start screaming. After customer do not renew their service they demand payment for next year
Overcharged and no refund last year 2020 $1450 this year 2021 $1590. don’t buy td insurance.
TERRIBLE CUSTOMER SERVICE
Impossible to get through on their 1800 lines. Brutal….I dread having to call them.
TD Insurance Direct Agency Inc. is the worst
Since May 9, 2020 TD Insurance Direct replaced broker Meloche Monnex Financial Services Inc. their service department went from 10 to 1. Each time you need to talk to them, it is always a wait for at least 1 hour before you can talk to someone. This is so ridiculous that I will look for some other insurance company soon. How can they continue to be in the business?
I had an accident with the police report of 0% responsibility by my side! The value they paid me was $700 below the market value. It is difficult to reach them by phone even after I left them voice mails. Our representative gave us wrong information regarding the garage where our vehicle was, resulted in time and money cost for us. Even after the contract was over, they deducted money from our credit card! when there is no car!
This is a deeply flawed and incompetent insurance. It is all about bumping up the premium at the slightest opportunity. The adjusters are all in the game. Don’t let big name fool you. Any other insurance is light year better. I don’t understand how a 100% fault judged by the police and at fault driver’s insurance against the reckless driver would suddenly changed to 50/50 by TD insurance overnight. Awarding a 50% at fault against me for nothing is a very clear case of pure injustice for profit at all cost. Worse still didn’t get to know until about a year renewal date and outrageous premium. My advice? Look else where if you want to keep your sanity. They will make you pay. My dealings with them comes to an end and will never recommend this bunch of incompetent people parading themselves as professionals.
Cancelled my policy two days after signing up as I found several other options for way, waaaaay cheaper. They are charging me $225 to cancel! After 2 day!
I was told if I had called within 24 hours, they might have been able to waive the fee. But, I did call within 24 hours. Unfortunately, they clearly don’t have enough staff on hand as I was on hold for over an hour and had to leave for work. So was I supposed to miss a day of work to cancel on time?
Not that I would have known about this 24-hour window. I wasn’t told anything about a cancellation fee when I signed up. NOTHING. And on top of that, the paperwork and temporary pink slip they were supposed to email me was never sent to me.
So thank you TD, for robbing me of over $200 that I don’t have for a made up fee you surprise people with. Big business at it’s best.
Don’t Care About Their Clients!!
June (2020) my home & car were both apart of a hail storm that completely wrecked my car & badly damaged by home. I reported my loss first thing the following week day & that’s when my nightmare begin. The first representative I talked to was new & having a hard time entering my claim. Working in customer service myself for over 10 years I was patient with her. At the end of the call I checked with her that everything was done and enter correctly, confirming she told me I should receive a call with 24-48hr from my assigned claim adjuster. I receive a call from my adjuster 6-7wks later. I had to call myself 3-4time/wk just for an update or to find out what was happening with my claim. Found out wks later the original claim wasn’t’ file properly. 6 months of stress, me always having to check up on a company that I’m paying to do a job that wasn’t getting done, just to get my initial payout to start replacing items lost. I had 3 different companies and people come out just to look over the same item’s lost in the storm during covid when you don’t really want one random person in your house yet alone three. The first person already confirmed everything was a complete lost so I’m not sure why they had to send out two other people. The company omitted to making mistakes throughout my claim multiple times but never really did anything to fix it! At one point when I was talking to a agent he told me that there was 5 different people assigned to my case, but it didn’t seem like anyone was actually doing anything! I’ve spoken with countless managers who seem to apologize for show because nothing gets done for weeks and they haven’t done anything to show that they are actually sorry for the way claim has been handled! The only time anything has ever gotten done on my claim was after writing or speaking with department head mangers, then all the sudden the next day the claim starts to forward. This is also how I know nothing was being done in the mean time! Overall I’ve had over 10 different people work on my claim, which at the most should have been maybe 3 people and half the time it has taken. They all blame the fact that the hail storm affected a lot of people and covid that things were done poorly! However I have friends and neighbor’s that didn’t have to deal with or go through this stressful process and that doesn’t explain why they taken over 2 weeks to reply to a simple email. Especially seeing how when I call their call centre frustrated that no one is reaching out or responding to me, I would get a call back ASAP???
WOULDN’T RECOMMEND TO ANYONE, THE WORST CUSTOMER SERVICE EXPERIENCE IN MY LIFE, EXTREMELY STRESSFULL PARTICULARLY AT A TIME WHEN EVERONE IS DEALING WITH COVID. ITS AT IF TD INSURANCE DOESN’T CARE ABOUT MENTAL HEALTH AND IS JUST MAKING A LAUGH OF COVID USING IT AS AN EXCUSE!!!
I WOULD GIVE THE REVIEW NEGATIVE 100 STARS IF I COULD, I’VE EVEN THOUGHT ABOUT SWITCHING FROM BANK WITH TD TO ANY OTHER BANK BECAUSE I DON’T TRUST OR WANT TO BE ASSOCIATE WITH THEM!!!!
TD Insurance – We don’t care about you!
I have been a customer for at least 6 to 7 years. My credit card expired, I did not catch that it was connected to that credit card as i was working away and working a lot of hours. I get a registered letter stating my insurance is going to be cancelled. I call immediately and change my credit card and pay all miss payments (1 month of miss payments). They will me i am good to go. The following month I get two more registered letters for the same thing. I call back and they said oh all of your payments have been going towards your house insurance not your car insurance so yes your coverage will terminate because of miss payment. I asked to speak to a manager. No manager ever called me in December. I decided to pay everything in full so they could not screw with my policies or my credit. Had a manager call today (January 25th) and all he said was we are sorry. You are 1 of millions of customers all i can do is say sorry. That was IT! WORST COMPANY TO DEAL WITH !
From low wait times and great customer service, to wait times in the hours and managers taking a day or 2 to call back. I missed payment and wanted to work it out, they suggested I switch companies after hours of trying.
Don’ buy from Meloche Monnex insurance
I was with Meloche Monnex insurance company for over 30 years and always paid my premiums on time.
When I made a claim for a leaking roof in 2019 they found a way to not pay it. When I cancelled my policy in June of 2020 they charged me $181 for one week. Before I decided to sell my house I called Cluett insurance for a quote. Their quote was $390 as opposed to Meloche Monnex which was $946.
Thinking TD is a well-known company, I got a quotation for a tenanted property based on the information the two TD agents provided me. Later on I found out I was misled and had to pay more than what I was quoted because of their mistakes. I requested an investigation which took almost 6 months and unsurprisingly, the management did not see anything wrong with the client being misled and still asked me to pay the increase. I would never go with TD insurance, or TD banking again!
Wow, I Can’t Believe the Overall Ratings are so LOW
There are some definite improvements required at TD Insurance. Through 3 different review websites the average customer review is 1.5 out of 5. I only checked because I was having so much difficulty contacting them. Well over an hour wait times for each instance. Sad.
RUN RUN RUN
OMG such an awful company. minimum wait time to talk to someone is 1.5 hrs. No regard for clients’ time. Absolutely disgusting company to deal with
University of Lethbridge
I had my car and home insurance with TD for three years. I paid 12000 dollars in these three years. After three years I had an accident with $700 loss. TD compensated only $200 dollars out of $700. I asked to talk to manager to see why they do not pay their 700$ commitment after receiving $12000 in these three years. The manager has never called me.
I cancelled my contract and found a much cheaper one
Poorest Customer Service Ever
I initially contacted TD Insurance in an attempt to plan for my daughter’s purchase and insurance of a motorcycle as she gets her license in the next few months. Initially I was referred to there website by the agent on the phone but it did not allow me to get a quote so I called back. The second agent simply refused to do any kind of quote at all because she doesn’t have her license just yet. So much for trying to get answers to budget for a major life decision. Based on this treatment I wouldn’t be calling back when she has her license.
SCAMMERS!! STAY AWAY FROM THEM
Trying to reach them from the day ONE, I bought the insurance 2 months ago and wanted to create a Login account to see my insurance details and now want to change the payment information (as I had used my US credit card to make the first payment and now I got my Canada credit card and wanted to put it on file) but not able to reach them through phone. Everyday waited for around 1 to 2 hours on hold and was never able to connect to a single person. Escalated multiple times through the email ID they have provided: “email@example.com” and ” firstname.lastname@example.org” , I think both are FAKE email IDs as all I ever get is system generated auto replies. I MOVED FROM US TO CANADA and I can 100% state that this INSURANCE industry is FRAUD & SCAMMERS and it is no where near to even an average US Auto Insurance company. An average US auto company provides 100 times better services than these SCAMMERS!!! STAY AWAY FROM THESE PEOPLE. Now I am planning to discontinue their service but not sure how to do it as you cannot reach anyone on the call and I do not have energy and time to wait for 1 to 2 hours daily. FEELING HELPLESS.
Poorest Customer Service
Everything they say on their ad sounds good. But what’s the point in all that, even if they are indeed true. You cannot get a hold of anyone when you call them. For years I have put up with being on hold for at least 30-40 mins. This year, it has gone worst, waiting for an hour to two hours, draining all my phone batteries, until I just give up. Doesn’t matter whether you call at 8 am, mid-day, afternoon, evening…YOU WILL WAIT HOURS! If you try to register online, you will come to a dead end where you have to call a number to complete your registration. So the vicious cycle begins…wait again for hours !!! What kind of “one of the top insurers of Canada” can’t afford hiring more people in Customer Service so their customers don’t agonize over calling them? I know I will change insurer soon. So fed up !
Lure-you-in scam artists
I had RBC insurance for 6 years, but a year ago I got a good rate on Auto Insurance from TD Bank. So I signed up for both home and auto insurance with them. Being a single person and driver with 19+ driving history and no claims or tickets in 19 years, and with 887 / 900 credit score, I consider myself a good customer. To my dismay I received renewal documents from TD insurance a week (!) before the renewal date and with $500 / year increase in premium. How would you call this insurance? I call it scam artists. Needless to say I switched back to RBC insurance and do NOT recommend anyone to use TD Insurance neither for home nor for auto. They’ll lure you in just to hit you with 25% increase the following year. Shame on you TD!
Please don’t be silly to get td insurance and trust them , shop around and take your time to find the good insurance before make any decision
They sell to you insurance and they dont care about you in stormy day
Smooth Process and Good Service
I filed a claim with T D meloche monnex 2 weeks ago. My experience I hope is what most people receive. From arrival to departure at their Oakville site, the process was seamless and positive ( maybe enjoyable ). I had a rental for several days, picked up my car today( 2/5/20 ) , it looks as good if not better than before. The staff were effiecient and considerate, Thank You T D.
TD Meloche Monex not very nice
I was rear ended at around 50kms and my car pushed into the vehicle ahead of me, not my fault or the person in front. TD tried hard to low ball me for the damage, my car was totaled, once they told me the car was done they told me to return the rental and that I would have to purchase a new vehicle. They offered me far below what the car was worth until I said lawyer, they upped the offer by $4000.00 but I still had to return the rental. I asked how was I to go find a new one and get to work, they told me to rent a car at my expense. Had my car been repairable I could have kept the rental until it was out of the shop. I ended up having to buy another car and had to pay out of pocket around 6000.00$ for the almost exact same vehicle a couple of years newer, mileage was nearly the same. I had planned on keeping that car for another 4 or 5 years before buying another and had had some work done on it just the month before, it was a loaded vehicle all the bells and whistles, I ended up with a lesser car but 2 years newer. When I threatened a lawyer the woman came back and said that “this was only the first offer, no need for a lawyer” why wouldn’t they just offer me the correct amount in the first place, slimy company, could care less about it’s clients, $ is the bottom line. They also told me that my damaged laptop would have to be claimed through my home insurance, yup there is a $500.00 deductible on a laptop that was worth about $500.00. I was not at fault yet they treated me like I was a criminal not the victim. They did pay for the ambulance to take me to hospital, but would not pay my salary for the 3 days I was recovering and off work. They said I had to be off for 7 days or more before they would pay my discounted wages, 70% I think. We insure everything with them, 3 cars, our house, my motorcycle, skidoo and our 4×4. We really get no break in costs from them. Our house insurance is almost $2000.00 a year while my neighbor pays around 850.00$ a year, they can’t or won’t explain why we pay so much. So I am looking for a better less expensive company to take my nearly $6500.00 a year in insurance products. TD Meloche Monex does not treat it’s clients very well I am afraid. On top of all that the people I had to speak with were not very nice, they took a confrontational approach with me, one guy even telling me that he would never have offered me that much for my car and that I should be thankful and take the money it won’t get any better than what they offered me. I should have asked my lawyer to step in, even if it did cost me his fee. I did not sue the fellow who hit me from behind because it was a series of events that was out of all three vehicles control. I should have now that I look back on all that happened. That money would have come out of his pocket instead of mine. Live and learn I guess.
Tired of waiting over an hour on hold each time need to make change in policy. Tried TD My Insurance online service and my request is still outstanding after 3 weeks. Can’t get hold of anyone even when I call when lines open at 8 am. Hold times ridiculous. Poor service. Will cancel all policies.
not answering the phone
A customer for 15 years with no claims. i’ve tried over 3 days to call and make a modification to my policy. Gave up after 30 mins on hold day one, one hour day two and again today…
No Customer Service
Do Not Use their Insurance they have no Customer Service, We have a claim in for a wrecked car & have been calling & emailing for 2-1/2 weeks & still have not heard from an adjuster. Good companies like ALL State or Nationwide handle these things the 1st day. We have ran the calls through many of the claims department employees & their voice mail is so full they can’t accept messages. I think that should be warning enough that the staff is not keeping up with their calls.
Found 1 Employee that actually has tried to assist Benphilia has filed inner emails to complain so hope it gets resolved but stay away from TD Insurance if you want to get things taken care of when trouble hits.
Home ins disaster
Claim made in Apr 18, a tree was uprooted from a storm, 4 months to take it away, they took my garage down, but it could have been repaired. Then now they can’t build because of code, my FENCE has not been built in 6 months, items stolen from my garage, they failed to secure it.. Now I Have to hire a lawyer to get them to complete repairs.
Run don’t ever get a policy with the td insurance company.
terrible customer service
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?
Weird policy on home insurance
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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