CAA Insurance brings together everything CAA has learned through its years of offering services to Canadian residents and has created a comprehensive line of personal insurance products.
After decades of serving Canadian motorists in a variety of important capacities, CAA is now offering insurance products through a network of professional brokers throughout Ontario.
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CAA Insurance Company
| Founded | 1974 |
|---|---|
| Headquarters | Thornhill, Ontario |
| Canadian Mkt. Share* | 0.45% (2017) |
| Insurance Products | Auto, Home, & Property insurance |
| Provinces Licensed | BC, MB, NB, NS, ON, PEI, SK |
CAA Insurance Quotes
Get a Quote nowContact one of our professional brokers today and get a quote started that fits your lifestyle: rnSpeak with an Ontario broker today: 1-800-731-2228
Company Overview
CAA Insurance offers a broad range of personal insurance products that all come with a variety of add-ons and Member benefits.
While you do not need to be a CAA Member to buy CAA Insurance products, the cost of a membership would probably pay for itself with an auto and home policy.
CAA Insurance Advantages
CAA Insurance has been around since 1974 offering insurance products to CAA Members to keep them safe and soon realized this resonated well beyond CAA Members. CAA Insurance has a comprehensive understanding of what consumers want in insurance coverage, and an extensive database of information that helps in creating products and services that people need. CAA Insurance is also able to customize many aspects of their coverage to meet the needs of its clients. Some of the advantages of doing business with CAA Insurance include:
- Full Lines Of Personal Insurance – CAA Insurance has a a number of property and auto policies to meet the needs of Members and Non Members alike. Within each line of insurance there are plenty of options and member benefits. CAA Insurance has a very impressive insurance offering, and that gives customers a lot of options to choose from.
- Insurance the CAA Way – What makes CAA Insurance unique? CAA has been focused on customers service and helping CAA Members for over 100 years and starting an insurance company in 1974 was a natural fit.
CAA Insurance Products
Auto Insurance
CAA Insurance has a comprehensive auto insurance offering with lots of opportunities to save.
- CAA Connect® can get you a five percent premium reduction just for enrolling in the program
- CAA MyPace® pay-as-you-go car insurance, ideal for Ontario drivers who log less than 9,000km per year.
- Forgive and Forget® can wash away your first at fault accident
- Receive a five percent premium discount for having snow tires during the winter
- Up to 20% savings for CAA Members
Home Insurance
Home insurance from CAA Insurance includes coverage for everything from CAA water coverage to identity theft.
- 10 percent discount for CAA Members
- Optional home equipment breakdown, CAA water coverage, and identity theft protection
- Condo insurance
- Tenant insurance for renters
CAA Insurance Quotes
Get a Quote nowContact one of our professional brokers today and get a quote started that fits your lifestyle: rnSpeak with an Ontario broker today: 1-800-731-2228
®/™ CAA trademarks owned by, and use is authorized by, the Canadian Automobile Association.
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CAA Insurance Reviews
Rating: 3.5
3.5 /5 stars
Medical Insurance CAA update
I previously wrote on how horrified I was concerning the CAA “top up/ add-on” medical insurance option.I bought.. After emailing the Chair of CAA, the local CAA office did contact me and indicated that although there is wording imbedded in their policy that speaks to the onset of pre-existing conditions after the insurance is purchased but before the start date that the insurance kicks in, CAA acknowledged that staff did not communicate this limitation and their Advisor Training will be updated. Although this did not address the fundamental issue I had with buying this insurance in the first place and the resulting turmoil it caused me, CAA did step up on a few fronts. First they reimbursed me for the premium cost for the medical insurance and secondly covered all expenses to return my belongings and vehicle from Florida. My advice to CAA is if they wish to be a trusted partner and establish life long relationships with their customers PAY attention to what their clients say they need and are asking to buy along with the reasons they communicate to you, ensuring your Agents probe their potential clients to ensure they get the best product to address those client needs. Next your Agents must be clear and unambiguous when telling customers the specific limitations and exclusions that their product offerings, policies state in the written quotes they send to customers. Finally if you don’t have what the customer wants tell them and send them to someone who can need their needs. That’s all I would have wanted !!!!
Rating: 0.0
0.0 /5 stars
Received a registered letter on June 13,2022 stating our home insurance policy has been terminated effective July 15, 2022 at 12.01.
Our roof was damaged and water leaked into our bathroom ceiling. Small damage to ceiling. Called CAA home to see if we were covered for damages. Waited 2 weeks to find our we were not covered due to poor workmanship from last roofer. We had to pay fir a entire new roof. We completed it in May due to all the rain. The letter didn't state exactly why we are being terminated so when I called I was told that CAA called us that they needed proof of repairs. We did not get any such call. They told me because we did not respond to their phone message they terminated our policy. Don't send us a letter or email us regarding such an important issue, just send a registered letter instead. We have been customers with CAA for 17 years without 1 claim on our file. Now they was all kinds of proof our roof was fixed and the damage to bathroom. If we never called them in the first place we would not be in this frustrating situation. They have paid $ 0.00 in 17 years, we gave paid CAA thousands for coverage and protection which we never put 1 claim in. We are now high risk non customers as of July 15, 2022.
Rating: .5
.5 /5 stars
Bad customer service
I have submitted an online request for an apartment insurance. I have received the quote, when I called CAA insurance home insurance the agent was rude did not go through the quote and told me to call other brockers.
Rating: .5
.5 /5 stars
Terrible customer service
As a low mileage driver I was happy to sign up for their MyPace program but customer service is HORRIBLE. I am sorry I referred them to other people I know. I hope other insurance companies develop the same program. As soon as that is available, I will be terminating my contract!
Rating: .5
.5 /5 stars
Don’t buy their medical insurance top up
I contacted CAA to buy additional medical insurance to cover the fully duration of my 58 day trip to the US. They offered me what they call “add on/top up-medical” insurance. My company insurance provides 40 days emergency medical coverage and I needed to buy an additional 18 days to cover my full duration of my trip (58 days). The CAA agent assured me that Buying their “add on/ top up insurance” contiguous to my 40 day policy before I left Canada would fully cover me in the event of any medical emergency that may occur during my 58 day trip, with CAA covering the last 18 days. Well the worst happened, I had emergency treatment on day 38 which prevented me from driving back to Canada until after my employers insurance ( first 40 days) expired. I contacted CAA on day 39 to confirm my coverage on day 41( the first day that CAAs coverage took effect). To my shock CAA reports to me that I will not be covered for any complications arising from my emergency medical treatment because now I have a pre-existing condition and pre-existing conditions are not covered by my policy. What a joke. I argued I had no pre-existing condition when I bought the policy before leaving Canada and I was told the add-on/top up policy covered me for the trip. So then While still in the hospital in the US I asked if I could then buy pre-existing insurance. Then they said they could sell me pre-existing condition coverage with either a 3 month or a 7 day stabilization period. So I said I would be about a week in recovery so I would buy the pre-existing insurance coverage. They then said, sorry I need to be in Canada to buy it. What a total scam. They sell you add-on/top emergency medical coverage knowing that if anything happens to you during the first leg of your journey where you are covered by the policy they are supposedly adding on to, you will not be covered. So I have to fly home on day 40 and leave my car and personal belongings in the USA to ensure I have coverage . Now I need to incur all the personal cost to arrange the return of my car possessions. It’s absolutely disgraceful that the organization such as CAA is so deceitful to lead you to believe buying their “ add-on/ top-up insurance fully protects you for the entire duration of a trip. Why would anyone buy such a product if they knew that an emergency event occurring during the first policy would not be covered by the second policy. !! I know I would not have!! This is an out outrageous and immoral business practice. Shame on them.
Rating: .5
.5 /5 stars
CAA Driver damaged engine
My SUV was at a well trusted shop in Cambridge ON called Special Interest, the car was diagnosed with some engine issues and a faulty rear seal. Because we had warranty coverage of up to a certain amount @ Cambridge KIA so we called CAA to tow it over there as to not start the SUV at all as per Engine issues. After the tow truck driver was told “WHAT SO EVER DO NOT START MY SUV” 4 Times, the first thing he did was start it and leave it running until I went over and asked what he was doing when I strictly told him not too. All he had to say was “I SAW A VIDEO” Once my car got to KIA they found more issues then what was originally found and what do you know now I need a whole new engine. Of course CAA driver denies it, too bad The Special Interest Shop provided me with the surveillance video proving it. Of course CAA wont do anything.
Rating: .5
.5 /5 stars
Total rip off, with no respect or care for the customer. This is CAA insurance.
A total rip off, with no respect or care for the customer. This is CAA insurance.
I was with CAA Insurance for 2 cars and house for about 15 years. Never had any claims.
Early March 2022 my wife had a small accident in which the car had some relatively minor, more cosmetic, damages: bent right side exterior door metal shells and rear bumper cover slightly off.
However, the car was in perfectly drivable condition, everything working, including windows and locks.
I reported the accident to CAA and I was sent to their auto body shop – big mistake on my side.
The body shop sent the estimate only to CAA and nobody informed me about the value. After about 2 weeks CAA called to tell us that the car is a write off and that the car will be picked up by IAA (an auto auction company). We were totally shocked. The car is 12 years old, but in perfect condition, with luxury package and I don’t want to give it away. I finally got the first estimate which as expected it was very high. I went to another body shop and they offered to do the repair at almost half the cost. They tried to contact CAA, but CAA would not return their calls.
Even knowing that I have the right to more than one estimate, CAA would not return any calls from the other body shop.
I sent emails saying that I want to buy back the car, so that instead to give me the money they offered (about 5000) to make me a lesser offer, so I keep the car.
It was like hitting a wall.
They want the car to give it to the car auction company (IAA), or I can withdraw my claim and do whatever I want with the car.
So, after paying for so many years, thousands and thousands every year, this is what I am getting.
A total rip off, with no respect or care for the customer. This is CAA insurance.
Unfortunately, it seems that I am not alone.
Rating: .5
.5 /5 stars
Liars and Thieves!
My niece was insured faithfully by this company. When she made a claim. 1 small claim they lied to her and told her that they were looking after everything. After all that is what she sent them money for every single month. About a month later she receives a letter in the mail informing her that the problem had not been acknowledged or taken care of. She was mortified! She has been trying to reach them as well as her agent that had got her the insurance with caa for more than a month now but caa continues to ignore all efforts to contact them! Please never use this company. They just steal all your money and never give you what you pay them for! It is worth paying the extra money to any other company that will give you honest and proper insurance! Caa are thieves and liars!!!
Rating: .5
.5 /5 stars
Worst insurance company ever!
I had insurance through CAA in St. Catherines. I was never late and never missed a payment! I got into a fender bender in saak. No fault because of icy roads but because I was the one who bumped other car it does go on me. No problem. Understandable. The entire reason I pay for insurance is so that it covers and pays for the damages, especially to the other person’s car. CAA phoned me, assured me and promised me that they would be taking care of it as of course again, this is what you pay for in your insurance. Well, to my surprise about a month later I get a letter in the mail from SGI saying nothing has been done about this and that I am legal responsible to pay for all the damages to the other person’s vehicle! Now, for about another month I have been trying to get in touch with CAA leaving numerous messages and emails about this issue wondering why it has not been dealt with but still no answer and no response. Just keep getting ignored! Terrible company! Terrible service! They lie to you and just take your money and run!!!
Rating: 1
1 /5 stars
Just a number – an inflated number – at Surex
Had a wonderful experience with a Surex agent. Got both vehicle and home insurance and was pleased – with the price and the relationship forged. Was assured, in written correspondence, the rate would drop annually, of course as long as I maintained a good record. However, less than a year in, the broker left Surex – I was not notified – and – my rates went up without notice or merit. When raising concerns was advised Surex had no obligation to notify me of the change of broker or the increased premium. Not good!
Rating: 5
5 /5 stars
M&W great service and prices
So far, so good. We switched mostly for the savings but what stood out was the service we received. Mark was very professional and thorough. I’d recommend them.
Too soon to comment on CAA but at least the extra savings for being a member almost paid for my membership!
Rating: 4.5
4.5 /5 stars
Couldn’t be happier
Kind polite extremely helpful. Actually I enjoyed speaking with my rep and found the whole experience quite nice Kathrine was knowledgeable patient and very kind. She was everything a rep should be.
Rating:
/5 stars
Feel Ripped Off
Just before Covid hit I purchased multi trip insurance for myself my mother and daughter costing over $300. then borders were shut down for the year i had just purchased for. CAA would not refund my money or extend our coverage and said there was nothing they could do. I Stronly recommend accessing travel insurance elsewhere zero star rating
Rating: 5
5 /5 stars
CAA had great pricing for both home and Auto coverage
Dealing with Katherine from Michell and Whale was great, she was informative, patient and willing to suggest what was best for both home and auto. Even after agreeing to to a final price Katherine found additional savings and passed them on to me. She was very easy to talk to and returned email and phone calls promptly even after hours. I wished l switched from AVIVA years ago l would have saved thousands using CAA. I guess better later than never
Rating: 1
1 /5 stars
online quote
CAA online quote was giving a amount and when rate came back from them in person it was $300.00 more. What a rip off. online quote a waste of time
Rating: 5
5 /5 stars
Great insurance company with brokers who care
The brokers understand my unique needs, are able to look at my options and find me great solutions.
Rating: 5
5 /5 stars
M & W ( Mitchell & Whale Insurance Broker LTD.
I wish to say that as a Senior and looking for a better insurance for Auto and Home Insurance Coverage i came across M & W Insurance and was given a reasonable Insurance quote and was put on to CAA Insurance. I saved money – what I will say to my previous Insurance Company is that they new my age and driving record and each year my Premium’s go up and don’t reach out to me to help with lesser premium cost – Changing to another Insurance company is the only way not be be paying more than you should.
Best Regards.
Dan McCluskey – Toronto, Ontario
Rating: 5
5 /5 stars
New client. Too soon to comment
Very reasonable rate for our coverage. As pensioners this was much more affordable.
Rating: 1
1 /5 stars
ABSOLUTELY HORRIBLE SERVICE
Home owners beware! I had home insurance for several months with them. They were fully aware that i had a oil tank and furnace. I was not made aware by the broker. That i could be subjected to a oil inspection. Now three months later, I have been notified that i have failed the inspection and CAA has given me three days to find home insurance. Little did they know that i have submitted a gas application for a new furnace. Maybe they should of asked before just cancelling my insurance. I would not recommend CAA at all. Once my auto policies are up. I will be cancelling those as well. Insurance is such a scam.
Rating: 4
4 /5 stars
read reviews the broker send s u about your company
the broker were very fast and efficient and found me a great deal
Rating: 4
4 /5 stars
Great service and friendly people. Although what was quoted and signed was raised when payment summary was received.
Rating: 1
1 /5 stars
Don’t buy travel Insurance from CCA.
Don’t buy travel insurance from CCA as I’ve be waiting since may 1st,since the onsite of Covid 19, and have yet to receive my money. All I get is excuses. They don’t stand behind their product.
Rating: 1
1 /5 stars
Steer clear if you value honesty and integrity in an insurance company
They don’t even deserve a one- star rating. I and my family have been loyal members of CAA for close to forty years. On July 10, 2019 a water main broke and flooded my basement causing extensive damage to basement and contents. What transpired has been fifteen months of being lied to and manipulated. After having a company they regularly hire to do the clean up, this company refused to give me any more than one container for storage of basement contents. I’m a senior who is living on a limited income. I have been sleeping on my kitchen floor since July 15, 2019 because I tried to save some of the contents that would have been thrown out because of their refusal. I have lost irreplaceable mementos and belongings amounting to thousands of dollars. When I contacted the CAA claims adjuster I was flipped back to the clean up company.
I ended up dealing with the CAA South Central Ontario manager who gave me deadlines that didn’t exist and threats of having my contents dumped back in my basement as I was being hustled to “move the claim forward” by agreeing to things that benefitted CAA. There were other serious concerns and I emailed this manager for months trying to resolve this claim while finding out from other agencies that there were things I was entitled to under my claim that I didn’t get.
CAA has a motto and Mission Statement. It is ludicrous and flies in the face of the shabby way I and others have been treated not only by CAA South Central Ontario but by CAA itself. Just read the reviews on the Internet from people who worked for them, people who had memberships with them and tried to get towing, etc, and people who have had house insurance with them to see how they really treat clients who try to put in a claim. There is something called Bad Faith Insurance. CAA and CAA South Central Ontario are the epitome of Bad Faith Insurance. Steer clear if you value your house, your car, your belongings and yourself. Steer clear if you want honesty and integrity in an insurance company because you won’t get it with CAA.
Rating: 5
5 /5 stars
Lower Rates With Better Coverage
After years of annual auto and home insurance rate increases at Desjardins Insurance, we went with CAA. Their rates for both home and auto were phenomenal. We saved over $1000 by switching. Our good rates were based on 20 yrs with no claims, our age (seniors) and less driving. I was very happy switching to Mitchell and Whale since they found the best “fit” for us.
Rating: 3
3 /5 stars
Good people
Rating: 1
1 /5 stars
Complete incompetence
Mother and I were loyal customers.
After many years, we had our first accident. Small one. Barely worth claiming.
Call up to discuss the issue as I’ve never had to deal with this scenario. Turns out they cancelled our account due to non-payment.
A fun little game they played over the last year. Come time for the automatic withdrawal and ‘magically’ something would go wrong.
Speaking with my bank and they inform me it was the actions of CAA that was placing the stop on my account.
The associate here in South London, when asked to look into it would immediately deny it was them without even looking into it.
The end result, my ability to get new insurance is now significantly damaged due to the non-payment issue.
Honestly if they had just told me to leave I would have happily gone somewhere else.
Let alone, if a payment is missed, the only option is to physically go in to the one location. Meaning I have to leave work to do so and hope he didnt leave early because apparently that’s a thing when you only have one representative for the city of London.
This company only shows complete incompetence in thier ability to manage thier clients efficiently.
Let alone such negligence.
Currently building a case against them as they couldnt even remember to send me a letter of cancellation.
Go with anyone else. At least you’ll either know they care or know they are trying to screw you. With this company, they simply lack common sense and ability. A complete lack of professionalism.
Rating: 5
5 /5 stars
My economical insurance stopped being so
Got a newer car a little smaller than buick allure got a ford fusion. Insurance bumped my premium from 660 to 1137. And i only drive a couple thou a year.
Called Caa 300 a year and 50 bucks a thousand K
Thanks economical also bough a house and they wouldnt even send a quote caa is 300 less and better coverage than the 2 quotes i got.800 or so a year in my pocket
Rating: 1
1 /5 stars
Do not get caa
Just had an accident three month ago. Hit my head had a concussion. Truck hit me from behind CAA don’t need to pay for s*** here.
CAA calls me after three weeks and now they don’t wanna pay me and are denying my phycologist and its absolutely disgusting company. Stick with chubbs
Rating: 5
5 /5 stars
good rates
I have never had an accident in all 40 years that I have been driving. I used to be with Greypower until they were turned into Belair. I was able to get a satisfactory rate with CAA and got a discount because I was a CAA member.
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