Car insurance is mandatory in Canada. However, if you’re a high-risk driver, there’s a strong possibility an insurance company will deny you coverage.
Drivers who are considered high-risk have the following:
- A poor driving record.
- A number of at-fault accidents.
- An impaired driving conviction.
- Numerous traffic tickets.
- A stunt driving conviction.
High-risk drivers also face higher insurance premiums than the average driver. In addition, not every provider will insure a high-risk driver.
However, the insurance industry cannot refuse to sell you basic insurance. The Facility Association, which is an insurance pool that all auto insurance companies are members of, is also an insurer of last resort for high-risk drivers. In addition, there are non-standard insurers that specialize in providing insurance for higher-risk drivers.