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Car insurance for high-risk drivers
Most property and casualty insurance companies will underwrite a standard car insurance policy if you have only had a few minor traffic incidents, although these incidents will still be reflected in the policy cost. However, if you have been in several accidents or have multiple traffic violations (tickets), a non-standard auto insurance policy might be your only option.
The following is an overview of insurance for high-risk drivers in Ontario, which includes why you might need it and what to expect if you must get it.
What is non-standard auto insurance for high-risk drivers?
Non-standard auto insurance is an insurance of the last resort, reserved for drivers of personal vehicles who are considered to be at a higher risk of filing a claim than the average driver.
This high-risk auto insurance is what you need if no insurance company will underwrite a traditional car insurance policy for you.
Each insurance company has its own specific underwriting criteria but they all use similar information and may deny you a standard auto insurance policy if you have any of the following:
- a poor driving record due to multiple traffic violations, speeding tickets.
- accidents resulting in insurance claims.
- a history of being canceled or non-renewed, due to missed payments.
- convictions arising from insurance fraud or misrepresentation.
- a lapse in insurance coverage.
- poor credit rating.
But, even if you are uninsurable through a regular auto insurance policy because of one or more of the factors listed, non-standard auto insurance guarantees that you may still obtain coverage. This is because every legally licensed Ontario driver is able to purchase car insurance if needed.
In summary, non-standard car insurance is:
- available to all drivers in Ontario, including those considered high-risk, due to histories of accidents, tickets, coverage cancellations or insurance fraud.
- an option of last resort, which you should get only if no other policy is available to you.
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Am I eligible for a high-risk auto insurance policy?
You may be eligible for a high-risk (non-standard) auto insurance policy if:
- you have a valid driver’s license.
- your car is registered and has valid license plates.
- you have had difficulty getting auto insurance with an insurance company because of accidents, tickets, coverage cancellations or insurance fraud.
How do I get car insurance as a high-risk driver?
There are several insurance companies that specialize in offering high-risk auto insurance to Ontario drivers. You may obtain non-standard car insurance through an insurance broker, who will recommend this type of insurance when all other options have been exhausted and denied.
For example, at BrokerLink, we have a team of experts dedicated to helping customers through the process of obtaining a non-standard auto insurance policy that’s customized to their specific situation.
Call BrokerLink to speak directly with a dedicated insurance advisor to find the right insurance solution for your needs today.
Non-standard auto insurance policies are not limited to Ontario drivers. All provinces and territories across Canada offer a form of high-risk auto insurance coverage to drivers in their jurisdictions.
How long will I have a non-standard insurance policy?
Most people who purchase non-standard car insurance will have this policy type for about two to three years, if they don’t acquire additional driving infractions or incidents. After this time, drivers can go back to a non-standard policy. The fact that they once carried non-standard insurance has no bearing on future standard auto insurance policy premiums.
Will having a high-risk auto insurance policy cost more than a regular policy?
Yes. Non-standard (high-risk) car insurance costs more than regular car insurance, which is why it is considered insurance of last resort. You can expect to pay two to three times more for a non-standard policy.

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