CAA InsuranceCancellation Fee Guide
Official short rate table and cancellation fee calculator for CAA Insurance (Canadian Automobile Association) policies
CAA Insurance is the insurance division of the Canadian Automobile Association, offering member-exclusive products. They follow industry-standard short rate practices, with penalties typically ranging from 10-15%. Active CAA membership is required to hold a policy.
How to Cancel
- 1Call CAA Insurance at 1-800-222-4357
- 2Have policy number and CAA member ID ready
- 3Request a cancellation quote first
- 4Specify your desired cancellation date
- 5Ask about member retention offers
Refund processing: 7-14 business days. Pre-authorized payment: 1-2 billing cycles. Cheque by mail: 2-4 weeks.
Enter your premium to see dollar amounts below
CAA Insurance Short Rate Schedule
Based on $1200 annual premium
| Days in Force | Earned % | Amount Earned | Refund |
|---|---|---|---|
| 1–3 days | 8% | $96.00 | $1,104.00 |
| 4–7 days | 9% | $108.00 | $1,092.00 |
| 8–11 days | 10% | $120.00 | $1,080.00 |
| 12–15 days | 11% | $132.00 | $1,068.00 |
| 16–19 days | 12% | $144.00 | $1,056.00 |
| 20–23 days | 13% | $156.00 | $1,044.00 |
| 24–26 days | 14% | $168.00 | $1,032.00 |
| 27–30 days | 15% | $180.00 | $1,020.00 |
| 31–34 days | 16% | $192.00 | $1,008.00 |
| 35–38 days | 17% | $204.00 | $996.00 |
| 39–42 days | 18% | $216.00 | $984.00 |
| 43–46 days | 19% | $228.00 | $972.00 |
| 47–49 days | 20% | $240.00 | $960.00 |
| 50–53 days | 21% | $252.00 | $948.00 |
| 54–57 days | 22% | $264.00 | $936.00 |
| 58–61 days | 23% | $276.00 | $924.00 |
| 62–65 days | 24% | $288.00 | $912.00 |
| 66–69 days | 25% | $300.00 | $900.00 |
| 70–73 days | 26% | $312.00 | $888.00 |
| 74–76 days | 27% | $324.00 | $876.00 |
| 77–80 days | 28% | $336.00 | $864.00 |
| 81–84 days | 29% | $348.00 | $852.00 |
| 85–88 days | 30% | $360.00 | $840.00 |
| 89–92 days | 31% | $372.00 | $828.00 |
| 93–96 days | 32% | $384.00 | $816.00 |
| 97–99 days | 33% | $396.00 | $804.00 |
| 100–103 days | 34% | $408.00 | $792.00 |
| 104–107 days | 35% | $420.00 | $780.00 |
| 108–111 days | 36% | $432.00 | $768.00 |
| 112–115 days | 37% | $444.00 | $756.00 |
| 116–119 days | 38% | $456.00 | $744.00 |
| 120–122 days | 39% | $468.00 | $732.00 |
| 123–126 days | 40% | $480.00 | $720.00 |
| 127–130 days | 41% | $492.00 | $708.00 |
| 131–134 days | 42% | $504.00 | $696.00 |
| 135–138 days | 43% | $516.00 | $684.00 |
| 139–142 days | 44% | $528.00 | $672.00 |
| 143–146 days | 45% | $540.00 | $660.00 |
| 147–149 days | 46% | $552.00 | $648.00 |
| 150–153 days | 47% | $564.00 | $636.00 |
| 154–157 days | 48% | $576.00 | $624.00 |
| 158–161 days | 49% | $588.00 | $612.00 |
| 162–165 days | 50% | $600.00 | $600.00 |
| 166–169 days | 51% | $612.00 | $588.00 |
| 170–172 days | 52% | $624.00 | $576.00 |
| 173–176 days | 53% | $636.00 | $564.00 |
| 177–180 days | 54% | $648.00 | $552.00 |
| 181–184 days | 55% | $660.00 | $540.00 |
| 185–188 days | 56% | $672.00 | $528.00 |
| 189–192 days | 57% | $684.00 | $516.00 |
| 193–195 days | 58% | $696.00 | $504.00 |
| 196–199 days | 59% | $708.00 | $492.00 |
| 200–203 days | 60% | $720.00 | $480.00 |
| 204–207 days | 61% | $732.00 | $468.00 |
| 208–211 days | 62% | $744.00 | $456.00 |
| 212–215 days | 63% | $756.00 | $444.00 |
| 216–219 days | 64% | $768.00 | $432.00 |
| 220–222 days | 65% | $780.00 | $420.00 |
| 223–226 days | 66% | $792.00 | $408.00 |
| 227–230 days | 67% | $804.00 | $396.00 |
| 231–234 days | 68% | $816.00 | $384.00 |
| 235–238 days | 69% | $828.00 | $372.00 |
| 239–242 days | 70% | $840.00 | $360.00 |
| 243–245 days | 71% | $852.00 | $348.00 |
| 246–249 days | 72% | $864.00 | $336.00 |
| 250–253 days | 73% | $876.00 | $324.00 |
| 254–257 days | 74% | $888.00 | $312.00 |
| 258–261 days | 75% | $900.00 | $300.00 |
| 262–265 days | 76% | $912.00 | $288.00 |
| 266–268 days | 77% | $924.00 | $276.00 |
| 269–272 days | 78% | $936.00 | $264.00 |
| 273–276 days | 79% | $948.00 | $252.00 |
| 277–280 days | 80% | $960.00 | $240.00 |
| 281–284 days | 81% | $972.00 | $228.00 |
| 285–288 days | 82% | $984.00 | $216.00 |
| 289–292 days | 83% | $996.00 | $204.00 |
| 293–296 days | 84% | $1,008.00 | $192.00 |
| 297–299 days | 85% | $1,020.00 | $180.00 |
| 300–303 days | 86% | $1,032.00 | $168.00 |
| 304–307 days | 87% | $1,044.00 | $156.00 |
| 308–311 days | 88% | $1,056.00 | $144.00 |
| 312–315 days | 89% | $1,068.00 | $132.00 |
| 316–318 days | 90% | $1,080.00 | $120.00 |
| 319–322 days | 91% | $1,092.00 | $108.00 |
| 323–326 days | 92% | $1,104.00 | $96.00 |
| 327–330 days | 93% | $1,116.00 | $84.00 |
| 331–334 days | 94% | $1,128.00 | $72.00 |
| 335–338 days | 95% | $1,140.00 | $60.00 |
| 339–341 days | 96% | $1,152.00 | $48.00 |
| 342–345 days | 97% | $1,164.00 | $36.00 |
| 346–349 days | 98% | $1,176.00 | $24.00 |
| 350–353 days | 99% | $1,188.00 | $12.00 |
| 354–365 days | 100% | $1,200.00 | $0.00 |
Tips to Minimize Penalties
- • Keep your membership active — cancelling your CAA membership may also affect your insurance policy
- • Ask about member benefits — long-standing members may qualify for special retention offers or pro-rata cancellation
- • Switch within CAA — changing to a different CAA product may avoid cancellation penalties entirely
Need a different insurer? Try our universal calculator
Compare Other Insurance Companies
TD InsuranceDesjardinsAvivaEconomicalEchelonCoachmanFacility AssociationPembridgeIntact InsuranceTravelers Dominion
Click on any company to view their specific cancellation fee rates and policies.