WHY isure PROVIDES HIGH-RISK AUTO INSURANCE THAT’S ALL ABOUT YOU
Have you been labeled a high-risk driver? Are you in need of high-risk car insurance? Our insurance brokers here at isure are happy to discuss your options, and we will do everything we can to help you access coverage. Let’s break down high-risk auto insurance below.
WHAT IS HIGH-RISK AUTO INSURANCE?
This type of auto insurance is for drivers who are more likely to get into an accident, file a claim, or default on payment. When insurance companies determine there is a greater probability that you are likely to be involved in an accident requiring a claim, you will be placed in a high-risk auto insurance category. This information will generally be based on previous driving records or claims.
There are many reasons why a person may be considered ‘high risk’, including license suspensions, too many tickets, DUI charges, claims, or cancellations. Dangerous driving habits will place you in this category, and if you are caught driving carelessly, speeding excessively, or driving while distracted, you may be labeled a high risk.
Some insurance providers are reluctant to offer a policy to a high-risk driver because of the risk involved and the increased chance of making claims. They may not provide you with coverage at all or will provide you with insurance at a much higher premium. Certain insurance companies specialize in high-risk auto insurance. We will present you with your options and connect you with the right provider.
HOW DOES HIGH-RISK CAR INSURANCE WORK?
You can look for car insurance quotes, but you will have difficulty getting a policy from most companies. If you have a serious driving conviction (such as an at-fault accident), have payment issues, or a poor driving or insurance record, you will be considered ‘high risk’ and will have to work with insurance companies that specialize in offering high-risk auto insurance.
Certain individuals are more likely to fall within the high-risk classification. This includes teenagers, first-time drivers, drivers over the age of 65, drivers with multiple tickets or claims, drivers with criminal driving convictions, or those who have a DUI conviction.
The types of coverage you’ll receive under high-risk car insurance are essentially the same as standard insurance policies, but there are a few key differences. You will have limited payment options; it is a lot more expensive, you will face some limitations, higher deductibles, and fewer providers offer this type of insurance. Insurers will be reluctant because of your level of risk, and you will face a few obstacles when looking for high-risk insurance coverage.
If you are considered a significant risk and even high-risk providers are not willing to insure you, you can still get a policy through the Facility Association. However, this is a last resort, and your premium will be quite pricey. This option will only be considered if you cannot find coverage, and our team will guide you in this process.
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!
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!
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 soyou can start seeing the 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.
Our goal is to help you get out of the high risk car insurance market soyou can start seeing the 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.
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.
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.
Insurance claims
Driver’s age
Vehicle type
Accidents
Convictions
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.
Frequently Asked Questions about High-Risk Auto Insurance
How do you get labelled as a high-risk driver?
Drivers with multiple traffic violations, at-fault accidents, or serious driving offences are often considered high-risk by insurance companies. Convictions such as impaired driving, reckless driving, excessive speeding, or driving without insurance can significantly increase your risk profile. A history of frequent claims or lapses in insurance coverage may also result in being labeled as a high-risk driver.
How long does high-risk driver status last?
High-risk driver status typically lasts around 3 years, depending on the severity of the offence and your insurance provider. If you maintain a clean driving record during that time and avoid additional violations or claims, you may be able to qualify for lower insurance rates again once the conviction or incident is removed from your driving record.
Who are likely candidates to be considered high-risk drivers?
High-risk drivers are individuals who insurance providers consider more likely to file a claim based on their driving history, experience, or insurance record. Examples of drivers who may be considered high-risk include:
- Teen and young drivers with limited driving experience
- New immigrant drivers who do not yet have a Canadian driving history
- Senior drivers who may face age-related driving concerns
- Drivers with lapses or gaps in insurance coverage
- Drivers with DUI or impaired driving convictions
- Drivers with criminal driving convictions, such as dangerous or reckless driving offences
How does high-risk insurance compare to standard auto insurance?
High-risk auto insurance is generally more expensive than standard auto insurance because insurers view high-risk drivers as more likely to file a claim. Fewer insurance companies offer high-risk coverage, which can also limit your options. Drivers may also face higher deductibles and fewer payment options when purchasing a high-risk insurance policy.
How do you avoid being a high risk driver?
To avoid being considered a high-risk driver, it’s important to maintain a safe and responsible driving record. This includes paying your insurance policy on time, avoiding distracted or aggressive driving, never driving under the influence, and practicing safe, defensive driving to help prevent accidents and traffic violations.
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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.
iSavings
Same day policies
insurance non-renewal or driver convictions.
Responsive Claims
get your claim started immediately!
Expert isure broker advice
Personalized attention
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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.
Speak to a high risk insurance broker
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