Your path to coverage as a high risk driver.
Do you have a history of accidents, multiple traffic violations, DUI convictions, or other circumstances that suggest a higher risk of accidents or claims? Then this coverage is for you.
The insurance you need, at a rate you can afford.
Navigating the complexities of high risk insurance in Ontario can be challenging. With the expertise of our seasoned broker team, securing the coverage you need becomes a streamlined process. We specialize in finding solutions for those facing high-risk situations, ensuring you get the protection you require, no matter your unique circumstances.
What categorizes you as a high risk driver in ontario
Several factors may categorize you as a high risk driver in Ontario.
5 variables that will work against you in obtaining affordable coverage.
Accidents
If you have a history of at-fault accidents or a record of frequent claims.
Traffic Violations
Multiple traffic violations or convictions, such as speeding, reckless driving, or running red lights.
DUI Convictions
A conviction for driving under the influence of alcohol or drugs.
Accidents
If you have a history of at-fault accidents or a record of frequent claims.
Traffic Violations
Multiple traffic violations or convictions, such as speeding, reckless driving, or running red lights.
DUI Convictions
A conviction for driving under the influence of alcohol or drugs.
Lapses in Coverage
If you've allowed your auto insurance coverage to lapse, leading to a gap in your insurance history.
Lapses in Coverage
If you've allowed your auto insurance coverage to lapse, leading to a gap in your insurance history.
Inexperienced Drivers
Young and inexperienced drivers often face higher premiums due to their limited driving history.
Inexperienced Drivers
Young and inexperienced drivers often face higher premiums due to their limited driving history.
What to expect as a high risk driver in Ontario
When and if you are labeled as a high risk driver in Ontario, you can expect:
Higher Premiums
High-risk drivers typically face significantly higher insurance premiums compared to low-risk drivers with clean records.
Limited Coverage Options
Some insurers may only offer basic liability coverage to high-risk drivers, excluding comprehensive and collision coverage.
Insurance through Facility Association
High-risk drivers may access insurance through the Facility Association, which ensures that all drivers have access to coverage, even if they are deemed high-risk.
Higher Premiums
High-risk drivers typically face significantly higher insurance premiums compared to low-risk drivers with clean records.
Limited Coverage Options
Some insurers may only offer basic liability coverage to high-risk drivers, excluding comprehensive and collision coverage.
Insurance through Facility Association
High-risk drivers may access insurance through the Facility Association, which ensures that all drivers have access to coverage, even if they are deemed high-risk.
Coverages
Although subject to higher premiums, there are still coverage options available to you under this classification.
Third Party Liability
Covers the legal expenses if you’re sued after an at-fault accident
Accident Benefits
Provides funds for accident-related injuries
Optional Coverages
Additional coverages are limited, however still accessible within this umbrella and not applicable to every case. We recommend reviewing the necessary coverages with a dedicated broker to ensure you are properly protected for your unique situation.
Rental Car Coverage
Covers the cost of renting a replacement vehicle while your car is being repaired.
Transportation Replacement Coverage
Reimburses you for alternative transportation costs while your vehicle is being repaired.
Increased Liability Coverage
Allows you to raise your liability coverage limit for added protection.
Family Protection Endorsement
Extends coverage to protect you and your family in case of an accident with an underinsured or uninsured motorist.
Frequently asked questions
Your most-asked questions, answered by our team.
Focus on improving your driving record by avoiding accidents and traffic violations. Over time, your risk level may decrease.
With a clean driving record, you may eventually become eligible for standard insurance coverage at lower rates.
Seeking quotes from multiple insurers and working with an insurance broker who specializes in high-risk drivers can help you find more affordable options.
The Facility Association is a quasi-governmental organization that ensures high-risk drivers have access to insurance coverage.
The duration of high-risk status varies depending on your driving history and the severity of past incidents. As your record improves, you may see reductions in your premiums.
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