Read the latest COVID-19 updates from CAA North & East Ontario.
CAA Insurance Company offers Canada's only pay-as-you-drive insurance payment program, allowing users to reduce and manage their car insurance premiums while having full 24/7 coverage. CAA MyPace™ allows members who drive less than 9,000 kilometres per year to purchase auto insurance only for the distance needed. If you are a low mileage driver start saving with CAA MyPace today.
If you drive 1,000 kilometres per year, you could save up to 70% with this new payment program. Get a personalized insurance quote.
If you drive 2,000 kilometres per year, you could save up to 60% with this new payment program. Get a personalized insurance quote.
If you drive 3,000 kilometres per year, you could save up to 50% with this new payment program. Get a personalized insurance quote.
If you drive 4,000 kilometres per year, you could save up to 40% with this new payment program. Get a personalized insurance quote.
If you drive 5,000 kilometres per year, you could save up to 30% with this new payment program. Get a personalized insurance quote.
If you drive 6,000 kilometres per year, you could save up to 25% with this new payment program. Get a personalized insurance quote.
If you drive 7,000 kilometres per year, you could save up to 15% with this new payment program. Get a personalized insurance quote.
If you drive 8,000 kilometres per year, you could save up to 5% with this new payment program. Get a personalized insurance quote.
At 9,000 kilometres, there is no longer a savings benefit with CAA MyPace and a traditional Auto Insurance policy may suit you better.
Enroll in CAA MyPace and pay your base rate plus your first 1,000 kilometres.
Simply install the CAA MyPace device in your vehicle.
Download the CAA MyPace App on your smartphone to monitor your mileage and manage your CAA MyPace account. You can monitor your usage at any time by logging onto your "My Account" on www.caamypace.com ("Online Portal") and/or using the CAA MyPace mobile application.
We will let you know when you are running low and 50 kilometres before you run out CAA MyPace will automatically reload your next 1,000 kilometres for you.
Not all makes and models are eligible to participate in the program as some vehicles are not compatible with the device. This includes but is not limited to electric vehicles, diesel vehicles with a model year 2005 and older, and all vehicles older than 1997. Some vehicles may be deemed incompatible due to unforeseen circumstances after enrolment in the program.
Yes, you can opt out at any time. If you purchased direct from CAA Insurance please contact 1-833-699-9765. Your policy will be changed to CAA’s traditional auto policy.
Currently, you can only have one vehicle per policy, but you can have multiple policies if you wish. You can have one for each vehicle and view them all on the same CAA MyPace App or the online portal.
CAA MyPace is currently not available for motorcycles.
There is no additional cost for CAA MyPace. Premiums are based on traditional factors such as your driving record, years of driving and how far you drive. CAA MyPace is a way to manage how you pay your premium, leaving you in control. Pay for a portion of your premium related to the distance you drive, when you drive, which may result in a savings. You can see how much you might save by using our online savings tool located above or get a personalized quote here.
CAA MyPace includes the same coverages as our traditional auto policy. If you have questions about these coverages, please speak with your CAA Insurance Agent at 1-833-699-9765.
No. You can stay up to date with your usage with our CAA MyPace online portal by logging in here. Notices are also sent to the email address you provide to CAA Insurance to update you when it is time to replenish your kilometres.
You’ll pay a non-kilometre base rate to cover you and your car while it's not being driven. You can choose to pay the full non-kilometre amount up front or by monthly installments. Then you pay for each 1,000 km increment, as you drive it. After 9,000 km your premium charge for 1,000 km increments will be replaced by an administrative fee for each increment.
For more information, please refer to your CAA MyPace terms & conditions or contact your CAA Insurance Agent.
CAA MyPace will carry over the kilometres that you have not used in your current 1,000 km increment when you renew, so don’t worry if you need to reload near the end of your policy term. You just keep driving. When you have exhausted the kilometres carried over you will then be billed a new 1,000 km increment at the rate for your renewal term and the cycle begins again. CAA MyPace, billing you at your pace!
As with any insurance policy, if you change your vehicle let us know immediately. After notifying us of the change, move your device to the new vehicle following the same installation instructions when you enrolled into the program. We will provide you with updated policy documents confirming the change and updated invoices, if there was a premium change. If your new vehicle is not compatible with the CAA MyPace program, please contact us and we will arrange to put you onto one of our other payment plans that works best for you.
There could be a premium change depending on the vehicle. An Agent can advise you of any changes in the premium as a result of the vehicle change.
You can enroll through a CAA Insurance Agent by calling 1-833-699-9765, visiting a local CAA Store, getting a quote online here.
You’ll receive a welcome package containing your CAA MyPace Auto Insurance policy along with a copy of the Terms and Conditions. In a separate package, you’ll receive your device along with simple installation instructions. The device should be easily plugged into your OBDII-port. You will need to install the device within 48 hours of the policy effective date, or from the date of arrival, to avoid being removed from the CAA MyPace program. For assistance you can call our technical support at 1‑844‑266‑6320.
Once you’ve installed the device and completed your first trip, you can log on to our CAA MyPace App or login to your online portal to begin viewing your kilometre usage. Don’t forget to download the CAA MyPace mobile application so you can track your mileage.
Your device will light up briefly upon successful installation and when transmitting information while the vehicle is in use. To complete the installation, you must turn on your vehicle in a location where there is clear cellular reception or by completing a short trip so that it can communicate with the server. For example, if parked in an underground garage the installation will not be complete until you leave the parking garage. You should be able to see the trips registering on your CAA MyPace App or through the online portal, once you have taken at least one trip. If neither of these happen, please contact our technical support team at 1‑844‑266‑6320.
Similar to a cell phone or your satellite radio, the device can lose signal in areas with poor cellular reception, such as in an underground parking garage. If this happens, any data that hasn’t been uploaded will stay on the device until the next trip in an area with clear reception. Trip information prior to parking underground will not be available in the CAA MyPace App or online portal until the device has successfully completed the upload to our server.
In the event the vehicle remains in an area with low reception for an extended period, it may appear disconnected to our system and we will send out notifications to offer assistance and make sure something didn’t go wrong.
For technical support regarding your device or mobile application, please call 1‑844‑266‑6320.
You will be billed for kilometres in advance of using them. As you near the end of the 1,000 km increment, notices will be sent when you have used 750 km, 900 km and finally when you reach 950 km of the current 1,000 km increment. At 950 km you will be automatically charged for your next 1,000 km increment. If you wish to delay this charge until you use all 1,000 kilometres, the CAA MyPace team can do that for you, just call us at 1-833-699-9765 prior to reaching the 950 km mark. Monitor your kilometre usage easily by downloading the CAA MyPace App or accessing your account through the online portal.
The CAA MyPace billing amounts are broken down in your invoice documents you received when you enrolled in the program. The invoice provides the details of your base rate and the 1,000 km increment rate you can expect to pay for the year. Any changes made to the policy that affect the premium will include an updated invoice and payment breakdown. If you are paying for your non-kilometre portion using a payment plan, the details of the withdrawal schedule will also be included on the invoice.
For more information, please refer to your CAA MyPace terms & conditions or contact a CAA Insurance Agent.
Rates are determined for each policy year and may be subject to change when you renew. Changes made during the policy year or at renewal that have an impact on your overall rate could impact the cost of both your base non-kilometre rate and your 1,000 km increments rate. This could include replacing your vehicle, adding or removing a driver, adding or removing additional coverage or moving to a new location.
When an automatic payment is processed at 950 km, it doesn't show on your usage dashboard until the previous remaining 50 km has been used. At that point the dashboard will be reset to show the new 1,000 km remaining on your policy.
If you wish to delay a payment from automatically being charged until you have exhausted 100% of your purchased kilometres, prior to using more than 950 km you must contact your CAA Insurance Agent at 1-833-699-9765. Please note, as soon as you reach the 1,000 km threshold, you will automatically be charged for the next 1,000 km increment.
At this point we only allow for kilometres to be bought in blocks of 1,000.
The CAA MyPace payment program is currently designed to offer savings for low-mileage drivers and cannot be combined with our CAA Connect® telematics program which rewards good driving habits. However, we recommend you speak with your CAA Insurance Agent to discuss our other discounts such as winter tires and CAA membership discounts, if eligible.
CAA MyPace and CAA Connect cannot be combined. You may only select to be part of one program at a time per policy.
All traditional CAA Insurance auto policy discounts are available for the CAA MyPace program except for the CAA Connect discount. Underwriting and eligibility rules apply.
You can track the kilometres you've used in the CAA MyPace App or on the online portal. You will also receive email notifications to keep you up to date with your usage. Make sure to let us know if you change your email so we can keep you updated.
For full details on data use of the device please refer to the CAA MyPace Terms and Conditions, or contact your CAA Insurance Agent.
The CAA MyPace program uses the device to record and bill for kilometres used by the enrolled vehicle.
The device also collects the following additional information:
The data is routed through our appointed Service Provider and stored at CAA. The information is processed securely and in compliance with CAA’s privacy policies by both CAA and its Service Provider. CAA Insurance Company will not disclose or transfer any of the data to other third parties except as outlined in the programs’ terms and conditions. For more details please contact your CAA Insurance Agent.
You can access your data on the secure online portal as well as the CAA MyPace App.
CAA will not use the data to cancel or refuse an automobile insurance policy; to apply surcharges to your current or future automobile policy or for marketing purposes.
The device uses an onboard GPS antenna and accelerometer to accurately measure the vehicle’s trip data. Data in the device is updated at the end of each trip. If you are parked underground or at a location without signal, this could take a little longer and the data may come through next time the device accesses a clear signal. For more information on the data collected and how it’s used, refer to the program terms and conditions, or contact your CAA Insurance Agent.
