High Risk Insurance in Ontario
You might be the driver with accidents, driving tickets, license suspensions etc. Aaxel Insurance Brokers Ltd, Durham branch will help you find an affordable auto insurance policy which fits your needs. We will help you get back on track to be a non high risk driver. We will help you find the best rates and provide the best service. At Aaxel Insurance Brokers Ltd., Durham branch it does not matter whether you are a high risk driver or a driver with perfect driving record, we will always treat you with respect, educate you and provide the necessary insurance advice. To begin with let us understand high risk insurance in Ontario.
In general, High-Risk Auto Insurance in Ontario is a term used for high risk drivers or high-risk automobiles. Yes, you read that right High-Risk Automobiles. If your vehicle is modified to enhance the performance, you need high risk auto insurance. Since the vehicle is modified for performance, regular auto insurance companies do not have a method to rate it appropriately. Hence, they will ask you to insure it with high risk carrier. Such vehicles are insured through the facility association in Ontario. Obtaining insurance for a modified vehicle can be tricky but it’s not impossible. Your local insurance broker can help you with it. It is important to know that you should inform your insurance provider that your vehicle is modified, customized in any shape or form. If such information is withheld from the insurance company and a claim arises there is high chance that the claim will be denied, and your policy will be cancelled for misrepresentation.
Now let us look at a High-Risk driver. If you are looking for High Risk Auto Insurance, then it means you are aware you have some issues with your Auto Insurance in the past. At a driver level it is due to your driving record. The 3 factors that determine your Insurance Premiums is your Driving Record, Type of Automobile and Your Postal Code. A driving record comprises of Accidents, Convictions, License Suspensions, Non-pay cancellations. Please see below how the driving record makes you a high-risk driver.
Sometimes you have 2 minor conviction in past 3 years and a small at fault parking lot accident in past 6 (for some companies 5 years) years. This classifies you as a high-risk driver in Ontario. Such combinations exist for all the above-mentioned issues. It means a combination of tickets, accidents, license suspensions and non payment cancellation can make you a high risk driver. High risk auto insurance companies in Ontario a few. Even the high risk car insurance companies have rules of accepting a driver and his automobile.
If a high risk auto insurance company does not accept a driver then the only option left is the facility association. The facility association will always provide a policy but sometimes they may have their own terms and conditions. The rules of classification of commercial or personal automobile are almost the same.
At Aaxel Insurance Brokers we provide a plan to help you come back to the regular auto insurance companies. Our plan is customized according your personal circumstances. So call us at 289 274 4807 for a quote for your High Risk Auto Insurance in Ontario. We have categorized some convictions. Please note this is a general classification based on most insurance companies’ guidelines. Some convictions fall in the grey area like – prohibited use of handheld device, as some companies classify it minor offence, some consider it major or serious.
Minor conviction
• Fail or refuse to surrender licence CAIA
• Fail to produce evidence of insurance CAIA
• Fail to carry insurance card CAIA
• Fail to carry evidence of insurance CAIA
• Fail to have insurance card CAIA
• Backing up - unsafe/illegal/improper - any type
• Crowding driver’s seat
• Door opening - illegal/obstructing traffic - any type
• Following too closely (including tailgating)
• Motorcycle - operating with only an instruction permit
• Motorcycle - failure to wear helmet
• Passing infraction - any type except school bus or school/playground zone
• Pedestrian crossing violation - any type
• Seatbelt – any offence
• Speeding up to 49km over the posted limit
• Turns - illegal/improper - any type
• Unlicensed driver - any type including improper licence class
• Unsafe move
• Unsafe vehicle - any type
Some Major Convictions
• Failing to report an accident;
• Failing to give name and licence number in the event of an accident to police or other persons
• entitled to such information;
• Improper passing of school buses;
• Improper passing of schools or playgrounds;
• Speeding 50-59 km or more km over speed limit;
• Stunt driving
• Driving with no insurance;
• Operate motor vehicle - no insurance CAIA;
• Vehicle owner without insurance CAIA;
• No insurance CAIA;
• Produce false evidence CAIA;
• Produce false insurance MVACA;
• Make false statement CAIA;
• Permit a novice to drive in contravention of conditions/restrictions;
• Class G1 accompanied driver - fail/refuse provide breath;
• Class G1 drive unaccompanied by qualified driver;
• Class G1 accompanied driver - excess blood alcohol;
• Class G1 drive with front seat passenger;
• Class G1/G2 drive with excess passengers;
• Class G1 drive on prohibited highway;
Some Serious (or Criminal code) Convictions are as follows
• Criminal negligence committed in the operation or use of a motor vehicle;
• Manslaughter committed in the operation or use of a motor vehicle;
• Failing to stop at the scene of an accident;
• Impaired driving;
• Failure or refusal to submit to a breathalyser or blood test;
• Failing to pass a breathalyser or blood test;
• Driving while licence under suspension;
• Dangerous driving;
• Careless driving;
• Failure to stop for a police officer, resulting in an extended suspension of licence
• Driving without due care and attention;
• Street racing or driving contests
• Driving 60 km or more over speed limit;
• Class G1/G2/M1/M2 driving with alcohol in blood.
We are aware that it is difficult to find insurance as high risk driver in Ontario. But we will do our best and reach out to our partners to find the best rates for you. You can trust us for expert advice, customized insurance policy, affordable rates and help at the time of claim. We serve drivers in all communities of Ontario. We will provide prompt best in class customer service. Call our office at 289 274 4807.
Now let us look at a High-Risk driver. If you are looking for High Risk Auto Insurance, then it means you are aware you have some issues with your Auto Insurance in the past. At a driver level it is due to your driving record. The 3 factors that determine your Insurance Premiums is your Driving Record, Type of Automobile and Your Postal Code. A driving record comprises of Accidents, Convictions, License Suspensions, Non-pay cancellations. Please see below how the driving record makes you a high-risk driver.
- Accidents- Only At fault accidents within past 6 years (for some companies 5 years) are penalized against you. If you have 2 or more at fault accidents in the past 6 years (for some companies 5 years) then you are a high-risk driver. If you want to find out when you are at fault please see the link- www.ontario.ca/laws/regulation/900668
- Suspensions – Driver License suspension can result from an unpaid fine, Driving under influence, medical reasons etc. Only those suspensions that are a result of a driving offence are rateable or penalized. Typically one suspension will make you high risk or regular insurance companies will not provide favourable rates. Some companies look at the length of time the license is medically suspended to determine driving record which affects the insurance premiums.
- Convictions- The big one yet the most complicated one. There are 3 categories of tickets-Minor Convictions, Major Convictions and Serious/Criminal Convictions. I will make it simple to understand. Within past 3 years if you have ONE major conviction or One Serious/Criminal Conviction you are considered high risk. Within past 3 years if you have 4 (for some companies it 3 minor convictions) or more convictions then you are classified a high-risk driver.
- Non-Payment Cancellation- This is a unique one as it is not due to any driving issues, however two or more non pay cancellations can result in you being a high risk driver.
Sometimes you have 2 minor conviction in past 3 years and a small at fault parking lot accident in past 6 (for some companies 5 years) years. This classifies you as a high-risk driver in Ontario. Such combinations exist for all the above-mentioned issues. It means a combination of tickets, accidents, license suspensions and non payment cancellation can make you a high risk driver. High risk auto insurance companies in Ontario a few. Even the high risk car insurance companies have rules of accepting a driver and his automobile.
If a high risk auto insurance company does not accept a driver then the only option left is the facility association. The facility association will always provide a policy but sometimes they may have their own terms and conditions. The rules of classification of commercial or personal automobile are almost the same.
At Aaxel Insurance Brokers we provide a plan to help you come back to the regular auto insurance companies. Our plan is customized according your personal circumstances. So call us at 289 274 4807 for a quote for your High Risk Auto Insurance in Ontario. We have categorized some convictions. Please note this is a general classification based on most insurance companies’ guidelines. Some convictions fall in the grey area like – prohibited use of handheld device, as some companies classify it minor offence, some consider it major or serious.
Minor conviction
• Fail or refuse to surrender licence CAIA
• Fail to produce evidence of insurance CAIA
• Fail to carry insurance card CAIA
• Fail to carry evidence of insurance CAIA
• Fail to have insurance card CAIA
• Backing up - unsafe/illegal/improper - any type
• Crowding driver’s seat
• Door opening - illegal/obstructing traffic - any type
• Following too closely (including tailgating)
• Motorcycle - operating with only an instruction permit
• Motorcycle - failure to wear helmet
• Passing infraction - any type except school bus or school/playground zone
• Pedestrian crossing violation - any type
• Seatbelt – any offence
• Speeding up to 49km over the posted limit
• Turns - illegal/improper - any type
• Unlicensed driver - any type including improper licence class
• Unsafe move
• Unsafe vehicle - any type
Some Major Convictions
• Failing to report an accident;
• Failing to give name and licence number in the event of an accident to police or other persons
• entitled to such information;
• Improper passing of school buses;
• Improper passing of schools or playgrounds;
• Speeding 50-59 km or more km over speed limit;
• Stunt driving
• Driving with no insurance;
• Operate motor vehicle - no insurance CAIA;
• Vehicle owner without insurance CAIA;
• No insurance CAIA;
• Produce false evidence CAIA;
• Produce false insurance MVACA;
• Make false statement CAIA;
• Permit a novice to drive in contravention of conditions/restrictions;
• Class G1 accompanied driver - fail/refuse provide breath;
• Class G1 drive unaccompanied by qualified driver;
• Class G1 accompanied driver - excess blood alcohol;
• Class G1 drive with front seat passenger;
• Class G1/G2 drive with excess passengers;
• Class G1 drive on prohibited highway;
Some Serious (or Criminal code) Convictions are as follows
• Criminal negligence committed in the operation or use of a motor vehicle;
• Manslaughter committed in the operation or use of a motor vehicle;
• Failing to stop at the scene of an accident;
• Impaired driving;
• Failure or refusal to submit to a breathalyser or blood test;
• Failing to pass a breathalyser or blood test;
• Driving while licence under suspension;
• Dangerous driving;
• Careless driving;
• Failure to stop for a police officer, resulting in an extended suspension of licence
• Driving without due care and attention;
• Street racing or driving contests
• Driving 60 km or more over speed limit;
• Class G1/G2/M1/M2 driving with alcohol in blood.
We are aware that it is difficult to find insurance as high risk driver in Ontario. But we will do our best and reach out to our partners to find the best rates for you. You can trust us for expert advice, customized insurance policy, affordable rates and help at the time of claim. We serve drivers in all communities of Ontario. We will provide prompt best in class customer service. Call our office at 289 274 4807.