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What is CAA Insurance
Matt Hands, VP, Insurance and MoneySense
You may know the Canadian Automobile Association (CAA) as the roadside emergency company, or maybe you or your parents used a TripTik before the wide adoption of smartphones and navigation systems.
What began as a smattering of automobile clubs in the early 1900s, is now full-service travel, car insurance, and home insurance agency consisting of eight regional clubs across Canada that advocates and lobbies for motorists and travellers.
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A brief history of CAA insurance
CAA has a rich history and multifaceted history. You can trace their origins to 1903 with the Toronto Automobile Club – a group of motorists lobbying Queen’s Park to increase the speed limit from eight to ten miles per hour.
The name CAA was born in 1913 through an amalgamation of various motor clubs across the country including Manitoba Motor League, Saskatchewan Motor Club, and the Ontario Motor League (OML). OML first started selling personal accident insurance in 1937 as a benefit to its members.
CAA is so much more than roadside assistance and personal insurance. They published the first official Road Guide of Canada. They were a key player in lobbying the government to build the Trans-Canada Highway and establishing first-aid posts along key highways in Ontario. They facilitated Ontario’s Drive Clean Program, and in Manitoba. Politically, they also ran a campaign to convince the provincial government to give tow truck operators the same protections as emergency vehicles. CAA does its best to make Canada a better and safer place for all motorists.
Over 6.2 million Canadians are members of CAA for roadside assistance, which entitles them to discounts at retailers and attractions. CAA always operates with the same mandate: to improve the interest of drivers and travellers.
CAA’s legal status is listed as a not-for-profit organization, and their headquarters located in Ottawa, but they have regional associations and groups all over Canada.
Click to see all the CAA Associations and Groups in Canada
CAA car insurance
CAA auto insurance was named the 2nd most trusted insurance brand in Canada in the annual Gustavson Brand Trust Index in 2020. Current President, Matthew Turack says it’s because they advocate for safe roads – they were at the forefront of seatbelts and have the annual Worst Roads ranking, and continue educating recently with cannabis and distracted driving.
In 2014, they launched CAA Connect, a usage-based insurance program. CAA MyPace, the first pay-as-you-go auto insurance, was launched in 2018. More recently, they launched their digital pink slip to carry your insurance slip on your phone.
They also have a “Forgive and Forget” insurance to protect your good driving record after an at-fault accident. Finally, if you bundle home and auto insurance, you are guaranteed coverage for reasonable legal expenses and advice.
In 2019, CAA Club Group acquired Echelon Insurance – a high-risk car insurance provider.
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CAA home insurance
CAA house insurance offers coverage for homeowners, tenants, condo owners, and seasonal property owners. While still relatively new to the home insurance game, they’re making their impact felt on the home insurance competitive landscape. Here are a couple reasons you should consider CAA home insurance:
Service Line Coverage - receive up to $10,000 to repair lines and any damage to your property by municipal lines. Includes electrical power, heating, natural gas, waste disposal, compressed air, water, steam, internet access, telecommunications services, wide area networks or data transmission.
CAA Water Coverage – the number one source of home insurance claims is flood insurance. Know that you're covered for groundwater, overflow from water bodies, surface water or a sewer backup with CAA home insurance’s water coverage.
CAA Tire Coverage – If you bundle your home and auto insurance, you receive complimentary coverage. If the tire cannot be safely repaired following a road hazard, they’ll replace it.
Emergency Travel Medical Insurance – provides coverage for a medical emergency when travelling. Benefits of up to $5 Million for reasonable charges incurred following an emergency resulting from a sudden accident, sickness or injury while travelling.
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Frequently asked questions about CAA insurance
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Matt Hands, Business Director of Insurance
With 6+ years of experience at Ratehub.ca, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read full bio
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