High-Risk Auto Insurance

Get on the Road to Lower Insurance Rates

Why isure provides High Risk Auto Insurance
that’s All About You

Ontario drivers with multiple speeding tickets, accidents, license suspensions, claims, or DUI’s can end paying too much for their Ontario Car insurance or find that their current insurance company no longer wants to insure them. High Risk Auto Insurance (or Non-Standard Car Insurance) is a challenge for many Ontario drivers, but not at isure! We represent every Ontario High Risk Auto Insurance Company! Our Auto Insurance Experts will find you the best coverage at the cheapest High-Risk Car insurance rates.

At isure, we believe honest people with bruised insurance records deserve a second chance. We are here to help!

Many of the Ontario insurers and brokers say “No” to high risk car insurance, but at isure, we believe every driver deserves to pay less for their car insurance. Since 2007, isure has shared the secrets of lower insurance premiums with thousands of drivers across Ontario. We are proud to help many save thousands of dollars, but not just once but for good! isure has the most extensive range of High Risk Auto Insurance Companies of any insurance broker in Ontario.

At isure, we believe honest people with bruised insurance records deserve a second chance. We are here to help!

Many of the Ontario insurers and brokers say “No” to high risk car insurance, but at isure, we believe every driver deserves to pay less for their car insurance. Since 2007, isure has shared the secrets of lower insurance premiums with thousands of drivers across Ontario. We are proud to help many save thousands of dollars, but not just once but for good! isure has the most extensive range of High Risk Auto Insurance Companies of any insurance broker in Ontario.

OUR GOAL IS TO HELP YOU GET OUT OF THE HIGH RISK CAR INSURANCE MARKET SO YOU CAN START SEEING REAL SAVINGS ON YOUR CAR INSURANCE FOR GOOD.

Let’s make sure you are covered and stay on the road while your driver record recovers to normal status again.
High Risk Car Insurance

Reasons why you might be considered a high-risk driver

It can be expensive to be classified as a high-risk driver. When determining whether a motorist is high-risk, insurance companies consider several variables, some of which may be beyond your control. 

Reasons you might be considered high-risk driver

The following are some of the most frequent justifications for why you might be viewed as a high-risk driver:

Traffic violations

An extensive history of moving offences is among the most frequent causes of being categorized as a high-risk driver. Examples are speeding, reckless driving, DUIs, and operating a vehicle without a valid licence or insurance. Several infractions on a driver’s record are viewed as a higher risk for accidents and result in higher premiums.

Driver’s age

Due to their inexperience behind the wheel and higher accident risk, young and elderly drivers are frequently seen as high-risk. While older drivers may have slower reaction times or eyesight problems that make them more prone to accidents, young drivers may be perceived as more careless or irresponsible.

Accidents

No matter who is at blame, you can be categorised as a high-risk driver if you have a history of accidents. Insurance companies may impose higher premiums, or even cancel coverage altogether, because they believe drivers with a history of accidents are more likely to be involved in collisions in the future.

Insurance claims

Insurance companies may also be concerned if you file several insurance claims. If you’ve made a lot of claims in the past, your premiums may increase since insurers may assume you’ll make more in the future.

Vehicle type

Your level of risk may also be impacted by the type of car you drive. Because they are more expensive to fix or replace in the event of an accident, sports cars and other high-performance vehicles are sometimes perceived as having a higher risk.

Convictions

Some drivers appear to be sluggish or unable to put their cell phones away while driving. Many convictions are a sign that you don’t follow traffic laws, and insurance providers will view you as a high-risk driver as a result. Most insurance providers now view a single conviction for impaired driving or using a palm device while driving as a serious offence that automatically designates you as a high-risk driver.

DUI and DWI

Driving while intoxicated or under the influence of illegal substances is risky and can be lethal for both the driver and other road users. Simply said, it’s a horrible incident in every way. Even if you feel sober enough, ask another person to drive you home, request a cab, or sign up for a ride service, like Uber. The simplest method to identify yourself as a high-risk driver is to receive a DUI; insurance providers will view you as such for at least three years after the incident.

So, if you fall under the high-risk driver category, you will likely require a high-risk insurance policy with the best insurance providers. In this regard, isure can be your partner as we offer unique and customized insurance policies for high-risk drivers. Reach out today for a quote and the best policy that fits your specific needs.

isure Optional Add-Ons

Customize your High-Risk Auto Insurance to suit your unique needs and preferences with additional add-ons.

Guilt-free Quoting Process

We will aggressively shop your insurance needs across the widest set of insurers with the respect you deserve.

Same Day Policies

We can get back you back on the road quickly even after most insurance non-renewal or driver convictions.

Expert isure Broker Advice

We provide the best advice on when and how to get back into a cheaper, low-risk insurer coverage as you rehabilitate your bruised driver record.

iSavings

We offer the largest number of insurance discounts on the market to save you money! Our competitive bidding process also saves you money with no sacrifice on coverage.

Responsive Claims

No problem. Claims response is open 24 hours a day, 7 days a week to get your claim started immediately!

Personalized Attention

Your personal and dedicated isure brokers are there when you need them. You can call, chat, or email and we’ll be available for you. You can even schedule an in-person meeting. It’s completely up to you!

isure High Risk Auto Insurance means

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Safety Discounts

We’ll look for discounts by advising you on options like driving a vehicle of lesser value, applying aftermarket safety equipment or taking driver education classes in return for savings.
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Speak to a High Risk Insurance Broker

Our high risk insurance brokers will search the Ontario’s high risk insurance marketplace for you to find a car insurance policy that suits your needs, with the maximum insurance discounts. Our licenced insurance brokers will provide you insurance advice on coverage and quickly set
Get the leading High-Risk Car Insurance policies with the best personalized options you deserve.