Independent Auto Insurance Reviews

CAA Insurance Auto Insurance Reviews

(8 reviews)
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Category: Coverage, Conditions
(1.9 out of 5 stars)
Customer Service:
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Claim Experience:

Agents lack knowledge.

(1.0 out of 5 stars)
by se12 Jun 20, 2019
...My wife works as a residential care worker for a group home operator for people with cognitive and physical disabilities. When asked how many km she drove to work she said that it varied a little bit as the employer has 4 separate homes she may have to do her shifts at. The agent tried to say that she was then using the vehicle for commercial purposes. We explained that she only worked for 1 employer and she drove to her shift before her shift started and then home after her shift ended and only once per week and that the vehicle was never used as part of her job. The agent then got quite abrupt and insisted that she was using her vehicle for commercial purposes and we would have to pay commercial rates. Talk about lack of training and knowledge. I figured that after this experience that I would not want to have to deal with them for a claim if this is how they treat people in sales...
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Waiting for check...

(1.0 out of 5 stars)
by Linda P Feb 19, 2019
...One month so far, was told they were purolating it as soon as my paperwork came back, I even went to an office so I could expedite the process! I am so frustrated...they sent a check on the 30th of Jan...never received it. It wasn't Purolator. They won't take my old car, which I haven't driven since Dec 30, off my policy till I get my check!!! I don't have 200.00 to pay on the 25?? Also when you call and choose "talk about your existing policy", they make you sit on hold...but if you want a quote, they give you the callback option!! Nice... if they have your money already, sit on hold for 40mins!!!...
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Tow Truck Trouble

(1.5 out of 5 stars)
by Cav Nov 14, 2018
...My tire blew out on the highway in Toronto and after calling CAA I was told there were no calls available until the plan renewed the next day. Opting to renew the plan and pay an additional $30 I agreed so that I could get the tow truck but instead of calling the tow truck, they made me speak to another representative who took my credit card details BEFORE calling a tow. At the time, I was parked on the side of a ramp barely avoiding cars driving past me swerving into the side lane. I asked them to just call the tow truck before I wasted time giving them my credit card information but they refused to place the call until I first upgraded to the premium account. The priority here was not my safety but CAA's profit margin...
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Scam, stay away.

(1.0 out of 5 stars)
by TITAN Sep 26, 2016
...Our car was rear ended at a high rate of speed at a light in May and even with ample following distance due to the speed we hit the car in front of us. CAA rated 50% at fault for the collision because that is what the book says without taking in to account the entire situation. They are very black and white. The told us to pay 50% of the deductible but the collision would not effect our premiums or policy at all. We renewed in October with no issues and went through a whole year when we received a letter this October telling us we are not being renewed because of an at fault collision and they quoted the May collision as the reason. I asked why we were renewed the first October but not this year and they said no one looked at our file. I however found out that if we wanted to fight the claim it had to be within 1 year of the collision, so CAA basically ran out the clock so we couldn't fight it. I then had to shop around for insurance and called CAA 4 times now for an experience letter, I'm told every time I will receive one by the end of business day and to date have not received it. So I can't stay with CAA and they wont let me leave, do yourself a favor and find someone else to insure you...
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Worse than the car accident

(1.0 out of 5 stars)
by mdc Aug 16, 2016
...I got in a car accident a month ago in which I was not at fault (lady ran a red and t-boned me, car was a write-off). We contacted insurance and 3 days later they called me so I could get a rental. They proceeded to take a week to examine my car before providing me with a settlement. I should note that I had bought this car, brand new, for $25 000 less than 10 months previously. They were prepared to offer me $15 000. I said no and the customer service rep said he would listen to my original tapes when setting up my insurance to see if I had signed up for "New Car Protection". It then took a week of me calling their terrible customer service line and waiting on hold for countless work breaks to inquire about any updates. Finally, I received a call telling me that I had not been offered "New Car Protection" on my original call and they were willing to apply it retroactively for a fee. Also, note how ridiculous it is that I should need to pay more to be properly reimbursed, how many people do they try to pull this trick on thinking they won't argue with the original offer? The following day, a Friday, I was informed I needed to provide the car proof of sale via fax. I paid to use a fax machine to send it then waited until Tuesday when I finally called to ask what was taking so long. They said they did not receive the fax, although I had a confirmation of transmittal. I paid to resend it the next day, and the day after that I received a call saying that their fax machine had malfunctioned and the image was too dark. The next morning, I sent them 2 pictures of my Proof of Sale via email and they accepted that, then waited several days to give me an updated appraisal, $21 000, and that my cheque would be sent out when they received a signed proof of loss form. This was a Wednesday. They did not give me this form until later in the day on Thursday so I could not send it by the 2:00pm deadline for next day delivery. I sent it Thursday afternoon and was told that I also needed to provide images of the ownership. I sent them first thing Friday morning but, apparently, there was an issue with my email, which they did not let me know to fix it until 3:30pm, thus my cheque would not be sent that week. Meanwhile, I settled on a new car and I contacted CAA to transfer my insurance to the new vehicle. The customer service rep forgot to email my proof of insurance to the car dealership so we had to call and wait for them to send it before I could drive my car off the lot. It is now Tuesday and I just received an email that my cheque has not yet been sent because my car has not been released from the salvage lot. I was holding back on releasing it so that CAA might have some incentive to move faster with my claim. I was never informed that they would withhold my payment. I have as of yet been unable to pay off my balance on my previous vehicle and will have to wait 2 more days at the very least. This has been a 5-week ordeal that was literally worse than being in the actual accident. This company takes advantage of people who are already struggling and provides terrible customer service. I just got a letter in the mail inviting me to also use CAA Home Insurance and actually laughed. I’d go with TD...
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