High-Risk Insurance in Ontario
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.
Inexperienced Drivers
Young and inexperienced drivers often face higher premiums due to their limited driving 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.
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.
Auto Insurance For High-Risk Drivers: 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
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.
High-Risk Driver Insurance in Ontario
What is High-Risk Insurance?
- Multiple at-fault accidents
- Frequent traffic violations
- DUI convictions
- Lapses in insurance coverage
- Being a young or inexperienced driver
Why You Might Need High-Risk Insurance?
- Driving record. A history of traffic violations or at-fault accidents significantly increases the likelihood of being labeled as high-risk.
- DUI convictions. Driving under the influence is a serious offense that automatically places you in the high-risk category.
- Inexperienced drivers. New drivers, particularly young ones, may be deemed high-risk due to their lack of experience.
- Lapses in coverage. If you’ve had periods without insurance, even if you weren’t driving, insurers might classify you as high-risk.
- High-performance vehicles. Driving a high-performance or luxury vehicle can also lead to higher insurance rates due to the increased cost of repairs and the likelihood of theft.
The Cost of High-Risk Insurance
- Age. Younger drivers tend to pay more, especially if they have a poor driving record.
- Location. Urban areas often have higher premiums due to increased traffic and higher accident rates.
- Vehicle. The make and model of your car can influence your premium, with high-performance cars generally costing more to insure.
- Driving history. The number and severity of past violations or accidents directly impact your insurance rates.
Finding the Right High-Risk Insurance Broker in Ontario
- Expert advice. Brokers have extensive knowledge of the market and can advise you on the best policies for your situation.
- Access to multiple providers. Unlike dealing directly with a single insurance company, brokers can compare quotes from several providers, ensuring you get the best deal.
- Negotiation power. Brokers can often negotiate better rates or terms on your behalf.
- Personalized service. A broker will take the time to understand your unique circumstances, ensuring that you get coverage tailored to your needs.
How to Get a High-Risk Insurance Quote?
Obtaining a high-risk insurance quote is the first step toward securing coverage.
Before seeking quotes, collect all necessary information, including your driving record, details of any past claims, and personal information. Reach out to a high-risk insurance broker in Ontario like Duliban Insurance Brokers. Our team will provide you with multiple quotes and help you compare and choose the best option.
Remember, the cheapest option isn’t always the best – consider the value and coverage each policy offers.
How Duliban Insurance Brokers Can Help?
At Duliban Insurance Brokers, we are a leading provider of high-risk driver insurance in Ontario. We specialize in helping drivers who have struggled to find affordable coverage due to their driving history. By partnering with our company, you can count on:
- Personalized service. We take the time to understand your situation, ensuring you receive a policy that meets your needs.
- Competitive quotes. We work with multiple insurance providers, offering you a range of options to compare.
- Expert guidance. Our brokers have extensive experience in the high-risk insurance market and can provide valuable advice on securing the best rates.
- Ongoing support. We don’t just help you find insurance – we also provide ongoing support to help you improve your driving record and reduce your premiums over time.
By working with us, you’ll take the stress out of finding insurance for high-risk drivers and focus on getting back on the road with confidence.
Duliban Insurance Brokers can help with car insurance for high-risk drivers in Ontario. Call us at +1 855-385-4226.
Frequently Asked Questions
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.
We work with 20+ top insurance companies
