High Risk Car Insurance

Get reliable car insurance coverage tailored to you with Brokerlink.

All Canadian drivers are legally required to have car insurance, but some individuals may find it difficult to obtain a traditional auto insurance policy. Those with multiple accidents and numerous traffic violations often end up in a "non-standard" insurance market.

At BrokerLink, we provide a customer care solution to help you. We have access to specific insurance companies that offer coverage until your insurance history improves, allowing you to transition to a standard insurance provider. Our brokers will monitor your auto policy and look for opportunities for improvement. Once your situation allows, we will assist you in returning to the standard market. Since we partner with all non-standard insurance companies, you won’t need to search elsewhere. Our experts are here to present you with options and find the best solution for your needs.

BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.

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.

Let us be your resource for all things car insurance

Why BrokerLink

Discover what sets BrokerLink apart. Our commitment to personalized service, expert advice, and comprehensive coverage options ensures you get the best protection tailored to your needs.

Our numbers speak for themselves

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.

[phone]

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.

Get a quote today

Are you having trouble getting car insurance because of your driving history? Call to speak with one of our dedicated risk experts who will discuss your options, answer your questions and help you get the coverage you need to stay on the road.

[phone]

Resources

Check out our wide range of resources, offering valuable information and tools, all in one convenient place.

Check out blog

Service and claims

Visit a branch

About us

FAQs

Have questions? Our FAQ section has the answers you're looking for. Find helpful information to guide you through your options.

How much is insurance for a high-risk driver?

Exactly how much high-risk drivers must pay for car insurance depends on the specifics of their situation. In many cases, drivers who need non-standard auto insurance pay two to three times more than drivers who have a regular auto insurance policy.

Is non-standard auto insurance available across Canada?

Yes, drivers in all provinces and territories across Canada can access high-risk auto insurance coverage.

Will I ever get regular rates again?

If you have a non-standard auto insurance policy you may eventually go back to regular car insurance rates in as little as two years, if you don’t gain additional incidents or infractions. Over time, as items fall off your driving and insurance record, regular policies and their corresponding regular rates will become available to you again. Your trusted insurance advisor can guide you through your options and provide timelines based on your unique profile.

How much is insurance for a high-risk driver?

Will I ever get regular rates again?

Is non-standard auto insurance available across Canada?

Yes, drivers in all provinces and territories across Canada can access high-risk auto insurance coverage.