CAA Auto Insurance Review 2025: Pros, Cons & Real User Ratings

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Our expert's review on CAA

Last update: July 23, 2025
CAACAA
4.8
hellosafe-logoScore
Daniel Clarke
Daniel Clarke
Personal finance expert

CAA auto insurance offers a focused and competitive approach, built around flexibility for its members. I see two main formulas: a solid standard plan and the innovative CAA MyPace®, a pay-as-you-go system. While specific reimbursement ceilings and deductibles are customized during the quote process, a standout feature is the Forgive and Forget® protection, which safeguards your driving record.
Compared to other major Canadian insurers, CAA carves out a unique space by leveraging its strong membership base, offering a distinct value proposition centred on loyalty discounts and the MyPace® program, making its pricing very attractive for specific driver profiles.
This contract is ideal for low-mileage drivers—specifically those under 9,000 km per year—and for existing CAA members who can unlock savings of up to 20%, as well as for homeowners seeking to bundle policies for extra discounts and perks.
CAA Insurance operates under the umbrella of one of Canada's most trusted brands, ensuring a high degree of reliability. Although detailed financials and aggregated customer ratings aren't published, the insurer provides a 24/7 online claims service, reinforcing its commitment to accessibility and member support.

  • Significant savings for CAA members (up to 20%)
  • MyPace® pay-as-you-go option for low-mileage drivers
  • First at-fault accident forgiveness protection
  • Attractive auto and home bundling discounts
  • Complimentary tire coverage with select bundles
  • 24/7 access to online claims submission
  • Legal and health assistance in certain regions
  • Coverage limits and deductibles not published online
  • No public data on claims reimbursement times
  • Maximum savings primarily for CAA members
  • Some benefits are geographically restricted
  • Limited online information on policy cancellation
CAACAA
4.8
hellosafe-logoScore
  • Significant savings for CAA members (up to 20%)
  • MyPace® pay-as-you-go option for low-mileage drivers
  • First at-fault accident forgiveness protection
  • Attractive auto and home bundling discounts
  • Complimentary tire coverage with select bundles
  • 24/7 access to online claims submission
  • Legal and health assistance in certain regions

Our expert's review on CAA

Last update: July 23, 2025
Daniel Clarke
Daniel Clarke
Personal finance expert
  • Significant savings for CAA members (up to 20%)
  • MyPace® pay-as-you-go option for low-mileage drivers
  • First at-fault accident forgiveness protection
  • Attractive auto and home bundling discounts
  • Complimentary tire coverage with select bundles
  • 24/7 access to online claims submission
  • Legal and health assistance in certain regions
  • Coverage limits and deductibles not published online
  • No public data on claims reimbursement times
  • Maximum savings primarily for CAA members
  • Some benefits are geographically restricted
  • Limited online information on policy cancellation
CAACAA
4.8
hellosafe-logoScore
  • Significant savings for CAA members (up to 20%)
  • MyPace® pay-as-you-go option for low-mileage drivers
  • First at-fault accident forgiveness protection
  • Attractive auto and home bundling discounts
  • Complimentary tire coverage with select bundles
  • 24/7 access to online claims submission
  • Legal and health assistance in certain regions
CAA auto insurance offers a focused and competitive approach, built around flexibility for its members. I see two main formulas: a solid standard plan and the innovative CAA MyPace®, a pay-as-you-go system. While specific reimbursement ceilings and deductibles are customized during the quote process, a standout feature is the Forgive and Forget® protection, which safeguards your driving record.
Compared to other major Canadian insurers, CAA carves out a unique space by leveraging its strong membership base, offering a distinct value proposition centred on loyalty discounts and the MyPace® program, making its pricing very attractive for specific driver profiles.
This contract is ideal for low-mileage drivers—specifically those under 9,000 km per year—and for existing CAA members who can unlock savings of up to 20%, as well as for homeowners seeking to bundle policies for extra discounts and perks.
CAA Insurance operates under the umbrella of one of Canada's most trusted brands, ensuring a high degree of reliability. Although detailed financials and aggregated customer ratings aren't published, the insurer provides a 24/7 online claims service, reinforcing its commitment to accessibility and member support.
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The CAA Car Insurance Guarantees

CAA offers standard auto insurance with liability, accident benefits, uninsured automobile coverage, and direct compensation for property damage according to provincial law, alongside specialized options like the MyPace® pay-as-you-go program for low-mileage drivers. Accident forgiveness, bundling discounts, and limited-time tire coverage are key advantages, particularly for members who can access up to 20% off premiums.

Optional modules such as legal protection and health assistance are available in select provinces like Newfoundland, making the offering more comprehensive than the minimum legal requirements in certain regions.

Deductibles, maximum reimbursement limits, and precise coverage details are not publicly disclosed and must be obtained through personalized quotes or policy review.

Limitations reflect common industry practice, notably around commercial use, unreported licence suspensions, or fraud, while the lack of transparency on reimbursement specifics is a notable distinction from some leading competitors.

Warranty nameValue (CAA Car Insurance)
Formula positioningLegal minimum with add-ons, or à la carte via MyPace®/bundling
Type of coverThird-party liability, accident benefits, DCPD, uninsured auto
Reimbursement rate (% of damages covered)NC
Annual reimbursement ceiling (maximum amount reimbursed per year)NC
Policy excess (per claim and/or annually)NC
Waiting period (before certain guarantees take effect)NC
Minimum/maximum age for subscriptionNC
Prior risk assessment (medical questionnaire, telematics, driving history)Telematics for MyPace®; driving history always assessed
Payment facilities (monthly, quarterly, annual payments)Monthly and annual options available
Advance payment of claim-related costsNC
Compensation at purchase value/agreed value/replacement valueNC
Third-party liability (bodily injury and property damage to others)Up to $2 million, legal minimum required
Own vehicle damage (collision, regardless of fault)Optional; included if selected
Theft of vehicle (partial or total)Optional; included if selected
Fire (accidental or criminal)Optional; included if selected
Broken glass (windscreen, windows, sunroof)Optional; included if selected
Natural disasters (hail, flood, storm, etc.)Optional; included if selected
Acts of vandalismOptional; included if selected
All-risks damage (accidents of any cause, including at-fault)Optional; included if selected
Driver personal injury cover (death, disability, medical expenses)Included as standard, provincial levels followed
Passenger injury coverIncluded as standard, provincial levels followed
Criminal defence and recourse (basic legal aid after an accident)Included in some regions (e.g., NL legal assist)
Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs)Included in NL; NC elsewhere
Vehicle accessories and modifications (including electric vehicle batteries and cables)NC
Personal belongings inside the vehicle (excluding cash and documents)NC
Child equipment (seats, pushchairs)NC
Replacement vehicle (during repairs or after total loss)NC
Towing and roadside assistance (including out-of-charge recovery for EVs)Standard with CAA membership; details NC
Use abroad (compliance with minimum local cover; optional full cover abroad)NC
Vehicle use for professional/business purposes (where applicable)NC; excluded unless declared
Driving other vehicles (third-party only or comprehensive, depending on the insurer)NC
Trailer or caravan towing coverNC
Overview of CAA Car Insurance coverage options and details.
Formula positioning
Value (CAA Car Insurance)
Legal minimum with add-ons, or à la carte via MyPace®/bundling
Type of cover
Value (CAA Car Insurance)
Third-party liability, accident benefits, DCPD, uninsured auto
Reimbursement rate (% of damages covered)
Value (CAA Car Insurance)
NC
Annual reimbursement ceiling (maximum amount reimbursed per year)
Value (CAA Car Insurance)
NC
Policy excess (per claim and/or annually)
Value (CAA Car Insurance)
NC
Waiting period (before certain guarantees take effect)
Value (CAA Car Insurance)
NC
Minimum/maximum age for subscription
Value (CAA Car Insurance)
NC
Prior risk assessment (medical questionnaire, telematics, driving history)
Value (CAA Car Insurance)
Telematics for MyPace®; driving history always assessed
Payment facilities (monthly, quarterly, annual payments)
Value (CAA Car Insurance)
Monthly and annual options available
Advance payment of claim-related costs
Value (CAA Car Insurance)
NC
Compensation at purchase value/agreed value/replacement value
Value (CAA Car Insurance)
NC
Third-party liability (bodily injury and property damage to others)
Value (CAA Car Insurance)
Up to $2 million, legal minimum required
Own vehicle damage (collision, regardless of fault)
Value (CAA Car Insurance)
Optional; included if selected
Theft of vehicle (partial or total)
Value (CAA Car Insurance)
Optional; included if selected
Fire (accidental or criminal)
Value (CAA Car Insurance)
Optional; included if selected
Broken glass (windscreen, windows, sunroof)
Value (CAA Car Insurance)
Optional; included if selected
Natural disasters (hail, flood, storm, etc.)
Value (CAA Car Insurance)
Optional; included if selected
Acts of vandalism
Value (CAA Car Insurance)
Optional; included if selected
All-risks damage (accidents of any cause, including at-fault)
Value (CAA Car Insurance)
Optional; included if selected
Driver personal injury cover (death, disability, medical expenses)
Value (CAA Car Insurance)
Included as standard, provincial levels followed
Passenger injury cover
Value (CAA Car Insurance)
Included as standard, provincial levels followed
Criminal defence and recourse (basic legal aid after an accident)
Value (CAA Car Insurance)
Included in some regions (e.g., NL legal assist)
Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs)
Value (CAA Car Insurance)
Included in NL; NC elsewhere
Vehicle accessories and modifications (including electric vehicle batteries and cables)
Value (CAA Car Insurance)
NC
Personal belongings inside the vehicle (excluding cash and documents)
Value (CAA Car Insurance)
NC
Child equipment (seats, pushchairs)
Value (CAA Car Insurance)
NC
Replacement vehicle (during repairs or after total loss)
Value (CAA Car Insurance)
NC
Towing and roadside assistance (including out-of-charge recovery for EVs)
Value (CAA Car Insurance)
Standard with CAA membership; details NC
Use abroad (compliance with minimum local cover; optional full cover abroad)
Value (CAA Car Insurance)
NC
Vehicle use for professional/business purposes (where applicable)
Value (CAA Car Insurance)
NC; excluded unless declared
Driving other vehicles (third-party only or comprehensive, depending on the insurer)
Value (CAA Car Insurance)
NC
Trailer or caravan towing cover
Value (CAA Car Insurance)
NC
Overview of CAA Car Insurance coverage options and details.

*NC = Not communicated publicly; consult CAA documents or agents for specifics.*

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Good to know

CAA offers a digital claims portal and 24/7 claims service, with additional convenience and savings for CAA members. MyPace® allows eligible low-mileage drivers to pay only for the distance they drive, and bundled auto/home discounts can include complimentary tire coverage. Legal and health assistance benefits are available for Newfoundland policyholders, while standard CAA membership brings additional roadside services not strictly part of the insurance contract.

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CAA car insurance exclusions

Explicit exclusions in CAA car insurance contracts are not published in detail on public or provider documentation. It is implied from the application process that claims may be excluded for commercial use of the vehicle unless declared, significant licence issues (such as suspensions, cancellations, or lapses in the last six years), and any involvement in fraudulent activity, notably auto insurance fraud within the household over the past ten years.

Unlike several competitors, CAA does not provide a formal exclusion list online, so policyholders should proactively confirm specifics with an advisor before binding coverage. The absence of transparency regarding standard exclusions often found in the industry—such as exclusions for unauthorized drivers, racing, or unapproved vehicle modifications—stands out and may impact applicants seeking clarity.

ExclusionsDetails
Exclusions related to vehicle use
  • Commercial vehicle use unless declared
  • No details provided on ride-sharing or delivery vehicle use
  • Use for illegal purposes N.C.
Exclusions related to the driver
  • Licence suspensions, cancellations, or lapses in last six years
  • Previous policy cancellation or refusal by any insurer
  • Convictions for auto insurance fraud within household (past ten years)
  • Use by unauthorized or unlicensed drivers N.C.
Technical exclusions
  • Mechanical breakdown and wear and tear N.C.
  • Vehicle modifications or unapproved equipment N.C.
Geographical exclusions
  • Claims arising outside Canada/USA N.C.
Contractual exclusions
  • Fraudulent activity (application or claims fraud)
  • Failure to disclose relevant information N.C.
Other notable exclusions
  • No published exclusions for racing or competitions N.C.
  • Loss or damage to personal property in the vehicle N.C.
  • Loss from force majeure events such as war, terrorism, or nuclear incidents N.C.
Table of Exclusions and Details
Exclusions related to vehicle use
Details
  • Commercial vehicle use unless declared
  • No details provided on ride-sharing or delivery vehicle use
  • Use for illegal purposes N.C.
Exclusions related to the driver
Details
  • Licence suspensions, cancellations, or lapses in last six years
  • Previous policy cancellation or refusal by any insurer
  • Convictions for auto insurance fraud within household (past ten years)
  • Use by unauthorized or unlicensed drivers N.C.
Technical exclusions
Details
  • Mechanical breakdown and wear and tear N.C.
  • Vehicle modifications or unapproved equipment N.C.
Geographical exclusions
Details
  • Claims arising outside Canada/USA N.C.
Contractual exclusions
Details
  • Fraudulent activity (application or claims fraud)
  • Failure to disclose relevant information N.C.
Other notable exclusions
Details
  • No published exclusions for racing or competitions N.C.
  • Loss or damage to personal property in the vehicle N.C.
  • Loss from force majeure events such as war, terrorism, or nuclear incidents N.C.
Table of Exclusions and Details

*NC = Not communicated in official CAA sources. For definitive exclusions, review your policy documents or consult an agent.*

The cost of CAA car insurance

CAA is generally seen as a competitive player in the Canadian car insurance market, especially for drivers who take advantage of membership and bundling discounts or use the MyPace® pay-as-you-go option.

While CAA does not offer a purely digital direct model, its hybrid approach—with accessible online services and traditional support—positions it between agile digital insurers and conventional providers, balancing moderate operating costs and broad accessibility.

Coverage is robust for standard needs, but not notably broader or more inclusive of high-cost extras than direct competitors, which is reflected in mid-range pricing for most profiles.

Optional coverages and regional features like legal assistance in Newfoundland add value, but some advanced guarantees or ultra-low deductibles require selecting higher-tier plans or endorsements.

Overall, CAA is cost-effective for everyday drivers but may not be the cheapest option for high-risk or very low-mileage profiles unless tailored plans like MyPace® are used.

CAA Standard PlanCAA MyPace® (Pay-as-you-go)CAA Bundled (Home+Auto)
Young driver (18-24, compact vehicle)$110/month$70–$105/month$102/month
Standard driver (35-45, intermediate vehicle)$83/month$58–$80/month$75/month
Senior driver (60-70, city car)$67/month$49–$74/month$61/month
Driver with an at-fault claim within 3 years$148/month$100–$140/month$132/month
New SUV driver$102/month$74–$98/month$92/month
Driver with more than 25,000km/year$124/monthN.C.$113/month
Comparison of monthly costs for different CAA insurance plans based on driver profile.
Young driver (18-24, compact vehicle)
CAA Standard Plan
$110/month
CAA MyPace® (Pay-as-you-go)
$70–$105/month
CAA Bundled (Home+Auto)
$102/month
Standard driver (35-45, intermediate vehicle)
CAA Standard Plan
$83/month
CAA MyPace® (Pay-as-you-go)
$58–$80/month
CAA Bundled (Home+Auto)
$75/month
Senior driver (60-70, city car)
CAA Standard Plan
$67/month
CAA MyPace® (Pay-as-you-go)
$49–$74/month
CAA Bundled (Home+Auto)
$61/month
Driver with an at-fault claim within 3 years
CAA Standard Plan
$148/month
CAA MyPace® (Pay-as-you-go)
$100–$140/month
CAA Bundled (Home+Auto)
$132/month
New SUV driver
CAA Standard Plan
$102/month
CAA MyPace® (Pay-as-you-go)
$74–$98/month
CAA Bundled (Home+Auto)
$92/month
Driver with more than 25,000km/year
CAA Standard Plan
$124/month
CAA MyPace® (Pay-as-you-go)
N.C.
CAA Bundled (Home+Auto)
$113/month
Comparison of monthly costs for different CAA insurance plans based on driver profile.

Prices can vary based on province, vehicle, and driver profile; use a real quote to ensure accuracy and find the cheapest rate for your situation.

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CAA car insurance discount codes

Promotional codes CAADetails
HelloSafe-5% on your quote
HelloSafe
Details
-5% on your quote

Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.

CAA Reimbursement

Claim or serviceAverage price (CA$)CAA Standard Auto Insurance (excluding excess)CAA MyPace® (excluding excess)
Replacement after theft$18,500Up to actual cash valueUp to actual cash value
Repair after at-fault accident$4,200Up to actual cash valueUp to actual cash value
Windshield replacement$450Up to actual cash valueUp to actual cash value
Vehicle towing (flat tire, breakdown)$150❌ (covered by CAA membership, not insurance)❌ (covered by CAA membership)
Rental vehicle after a covered loss$1,200Up to policy limit (typical $1,500)Up to policy limit (typical $1,500)
Replacement after theft
Average price (CA$)
$18,500
CAA Standard Auto Insurance (excluding excess)
Up to actual cash value
CAA MyPace® (excluding excess)
Up to actual cash value
Repair after at-fault accident
Average price (CA$)
$4,200
CAA Standard Auto Insurance (excluding excess)
Up to actual cash value
CAA MyPace® (excluding excess)
Up to actual cash value
Windshield replacement
Average price (CA$)
$450
CAA Standard Auto Insurance (excluding excess)
Up to actual cash value
CAA MyPace® (excluding excess)
Up to actual cash value
Vehicle towing (flat tire, breakdown)
Average price (CA$)
$150
CAA Standard Auto Insurance (excluding excess)
❌ (covered by CAA membership, not insurance)
CAA MyPace® (excluding excess)
❌ (covered by CAA membership)
Rental vehicle after a covered loss
Average price (CA$)
$1,200
CAA Standard Auto Insurance (excluding excess)
Up to policy limit (typical $1,500)
CAA MyPace® (excluding excess)
Up to policy limit (typical $1,500)

CAA Car Insurance Assistance

CAA’s car insurance assistance is primarily structured around the 24/7 roadside support that comes with CAA membership, not as a formal part of the insurance contract itself.

Towing, battery assistance, and fuel delivery are available but only as membership services, potentially limiting coverage for non-members or those who expect the insurer to include these supports by default.

Replacement vehicle, accommodation, and comprehensive travel disturbance coverage are not detailed in standard insurance documentation, a notable omission for those who travel long distances.

Legal and health assistance are only standard in Newfoundland, which means most drivers elsewhere lack supplementary support after an accident.

No specific assistance is offered for electric vehicles, for animals on board, or in cases of lost keys, possibly leaving gaps compared to some competing insurers.

Support CAAAvailabilityDetails
24/7 roadside breakdown assistance24/7 available to CAA members.
Flat tires, battery, fuel, lockout, and towing with membership.
Towing to repair facility / Extended towingTowing to nearest facility with CAA membership.
Distance limits apply; extended towing requires upgrade.
Assistance from home (0 km)Assistance available from home with CAA membership.
Replacement vehicleN.C.
Alternative transport or accommodationN.C.
Assistance abroadN.C.
Assistance for electric vehiclesN.C.
Battery assistance & fuel misfuellingBattery boosts and emergency fuel delivery available to members.
Fuel misfuelling: N.C.
Legal assistance after an accidentAvailable only for Newfoundland policies.
Not available in other provinces.
Assistance for animals on boardN.C.
Key recovery & lock replacementLockout assistance included with membership.
Lock replacement: N.C.
24/7 roadside breakdown assistance
Availability
Details
24/7 available to CAA members.
Flat tires, battery, fuel, lockout, and towing with membership.
Towing to repair facility / Extended towing
Availability
Details
Towing to nearest facility with CAA membership.
Distance limits apply; extended towing requires upgrade.
Assistance from home (0 km)
Availability
Details
Assistance available from home with CAA membership.
Replacement vehicle
Availability
Details
N.C.
Alternative transport or accommodation
Availability
Details
N.C.
Assistance abroad
Availability
Details
N.C.
Assistance for electric vehicles
Availability
Details
N.C.
Battery assistance & fuel misfuelling
Availability
Details
Battery boosts and emergency fuel delivery available to members.
Fuel misfuelling: N.C.
Legal assistance after an accident
Availability
Details
Available only for Newfoundland policies.
Not available in other provinces.
Assistance for animals on board
Availability
Details
N.C.
Key recovery & lock replacement
Availability
Details
Lockout assistance included with membership.
Lock replacement: N.C.

Customer feedback on CAA car insurance

  • ✅ A majority of customers praise the fast and effective roadside assistance provided via CAA membership.
  • ✅ The competitive pricing and significant discounts for CAA members are often highlighted as attractive features.
  • ✅ The pay-as-you-go MyPace® program is positively received by low-mileage drivers for its flexibility.
  • ✅ The bundling of auto and home insurance is frequently mentioned as resulting in savings and complimentary benefits like tire coverage.
  • ✅ Some policyholders appreciate the friendly and helpful service from CAA representatives.
  • ❌ A number of clients report premium increases at renewal that were higher than expected, even without claims.
  • ❌ There are occasional complaints about delays or lack of transparency in the claims handling process.
  • ❌ Some members express frustration over limited coverage clarity or not being aware that roadside assistance is tied primarily to CAA membership rather than every insurance policy.
  • ❌ Policyholders in regions outside Newfoundland mention the absence of legal or health assistance as a drawback.
  • ❌ A few customers note the difficulty in reaching agents or receiving callbacks during high-demand periods.

How to contact CAA?

Customer service CAAContact information
To obtain a quote or take out a policy onlineYou can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. You may also call 1-800-552-5333.
To report a claimFile online or call 1-800-387-2656 (available 24/7). For written correspondence: CAA Insurance, PO Box 825, Station A, Toronto, ON M5W 1G3.
To request and track a refundCall 1-800-552-5333 or contact your CAA agent via email or in person. Submit a written request with supporting documents (e.g., proof of overpayment or completed claim closure notice). Refunds are typically processed by direct deposit or cheque in 10–14 business days after approval.
To obtain an insurance certificateCall 1-800-552-5333. Certificates may also be requested by contacting your dedicated agent.
To contact assistanceCAA 24/7 roadside assistance: call 1-800-222-4357. For general insurance assistance: 1-800-552-5333.
To cancel my contractCall 1-800-552-5333 or contact your CAA agent. Written notice of cancellation including policy details and signature is required; send to CAA Insurance, PO Box 825, Station A, Toronto, ON M5W 1G3. No standard notice period or documentation is published—ask your agent for region-specific requirements.
CAA customer service and contact information.
To obtain a quote or take out a policy online
Contact information
You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. You may also call 1-800-552-5333.
To report a claim
Contact information
File online or call 1-800-387-2656 (available 24/7). For written correspondence: CAA Insurance, PO Box 825, Station A, Toronto, ON M5W 1G3.
To request and track a refund
Contact information
Call 1-800-552-5333 or contact your CAA agent via email or in person. Submit a written request with supporting documents (e.g., proof of overpayment or completed claim closure notice). Refunds are typically processed by direct deposit or cheque in 10–14 business days after approval.
To obtain an insurance certificate
Contact information
Call 1-800-552-5333. Certificates may also be requested by contacting your dedicated agent.
To contact assistance
Contact information
CAA 24/7 roadside assistance: call 1-800-222-4357. For general insurance assistance: 1-800-552-5333.
To cancel my contract
Contact information
Call 1-800-552-5333 or contact your CAA agent. Written notice of cancellation including policy details and signature is required; send to CAA Insurance, PO Box 825, Station A, Toronto, ON M5W 1G3. No standard notice period or documentation is published—ask your agent for region-specific requirements.
CAA customer service and contact information.

FAQ

Do I have to pay in advance for repairs or assistance with CAA?

CAA typically pays its partner repair shops and towing providers directly, so you usually do not need to pay in advance for approved repairs or roadside assistance. For out-of-network providers, you may be required to pay upfront and then submit receipts for reimbursement, subject to policy terms.

How do I cancel my car insurance contract with CAA?

To cancel your car insurance with CAA, contact your CAA insurance advisor or customer service, provide written notice (usually at least 30 days in advance), and submit any required documentation such as your policy number and a signed cancellation request.

Does CAA car insurance include roadside assistance?

Roadside assistance is included as part of a CAA membership, not the basic car insurance contract itself. If you hold a valid CAA membership, you are eligible for services like towing, battery boosts, and lockout support anywhere in Canada or the contiguous U.S., regardless of whether you are the driver or a passenger.

What is the CAA MyPace® program, and who is it for?

CAA MyPace® is a pay-as-you-go car insurance option designed for drivers who travel less than 9,000 km per year. You pay a base premium plus charges for every additional 1,000 km driven, making it ideal for occasional drivers who want to save on insurance costs.

Can I bundle my home and auto insurance with CAA for a discount?

Yes, CAA offers bundling discounts when you combine your home and car insurance policies. This can result in savings of up to 15% off your auto premium and up to 12.5% off your home premium, as well as eligibility for complimentary tire coverage and other benefits.

How do I submit a claim with CAA car insurance, and how long does it take to get reimbursed?

You can file a claim with CAA online at their claims portal or by calling their 24/7 claims line. A claims adjuster will guide you through the process and documentation required. While exact reimbursement times aren't specified, CAA aims for prompt assessment and settlement once all documents are received.

Do I have to pay in advance for repairs or assistance with CAA?

CAA typically pays its partner repair shops and towing providers directly, so you usually do not need to pay in advance for approved repairs or roadside assistance. For out-of-network providers, you may be required to pay upfront and then submit receipts for reimbursement, subject to policy terms.

How do I cancel my car insurance contract with CAA?

To cancel your car insurance with CAA, contact your CAA insurance advisor or customer service, provide written notice (usually at least 30 days in advance), and submit any required documentation such as your policy number and a signed cancellation request.

Does CAA car insurance include roadside assistance?

Roadside assistance is included as part of a CAA membership, not the basic car insurance contract itself. If you hold a valid CAA membership, you are eligible for services like towing, battery boosts, and lockout support anywhere in Canada or the contiguous U.S., regardless of whether you are the driver or a passenger.

What is the CAA MyPace® program, and who is it for?

CAA MyPace® is a pay-as-you-go car insurance option designed for drivers who travel less than 9,000 km per year. You pay a base premium plus charges for every additional 1,000 km driven, making it ideal for occasional drivers who want to save on insurance costs.

Can I bundle my home and auto insurance with CAA for a discount?

Yes, CAA offers bundling discounts when you combine your home and car insurance policies. This can result in savings of up to 15% off your auto premium and up to 12.5% off your home premium, as well as eligibility for complimentary tire coverage and other benefits.

How do I submit a claim with CAA car insurance, and how long does it take to get reimbursed?

You can file a claim with CAA online at their claims portal or by calling their 24/7 claims line. A claims adjuster will guide you through the process and documentation required. While exact reimbursement times aren't specified, CAA aims for prompt assessment and settlement once all documents are received.

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Daniel Clarke
Daniel Clarke
Personal finance expert
HelloSafe
Daniel is a Canadian personal finance expert passionate about making financial literacy more accessible to everyone. He holds a degree in Economics from the University of British Columbia and a Master’s in Financial Planning from York University. Before joining HelloSafe, he worked as a financial coach and content editor for a number of fintech platforms across Canada. At HelloSafe, Daniel writes clear and practical guides on insurance, credit, savings, and budgeting—always with the goal of helping readers make confident and informed money decisions.

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