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What is a High risk Driver and High Risk Insurance?

What is a High risk Driver and High Risk Insurance?

A high risk driver is someone that doesn't have a great driving record. Although the reason someone is classified as a high risk driver may vary from company to company, the impact on your finances can be devastating. For starters, a high risk driver will have fewer options on getting cheap car insurance. Some insurance providers will not cover you, while others will provide higher rates. Usually, when your choices are limited, your premiums will suffer. By accessing the network at Ensurco, we'll help you find good coverage at affordable rates. We'll also work with you to guide you out of the high re market as quickly as possible. We have over 30 insurance providers and we'd like to put you in a position to be able to access all 30 on your behalf.

How do insurance companies define a high risk driver?

Each insurance company will generally set their own definitions for what high risk is. That said, there are some common threads that generally define high risk. For starters, if you have a DUI, you are high risk. Other reasons include at fault accidents as well as having driving tickets or non-payments on your record. Ultimately, a combination of the above factors could also qualify you as a high risk driver. If you're a high risk driver, call Ensurco’s licensed advisors who will help you save on high risk insurance rates.

How much is high risk car insurance?

High risk car insurance is going to cost you more than regular insurance. When an insurance company insures you, they do so with increased rates. To give you some context, someone with one accident may pay 30% more than someone without. A high risk driver may see premiums double or even triple based on driving record. One of the reasons that contribute to this higher rate is that fewer insurers are willing to insure you. One of the best ways to find good high risk insurance is to compare car insurance quotes. Ensurco's insurance advisors can compare rates of over 30 certified insurers in Ontario.

How can I manage and improve my high risk driver status?

It's important to know that if you are currently a high risk driver, you need to talk to us to develop a plan to get you out of the high risk pool.  It starts with slowing down and avoiding accidents.  No question that your past mistakes are impacting your present rates.  Unfortunately we can't change the past.  However, do yourself a favour, pick up the phone and call us.  We guarantee that time spent with an Ensurco Insurance advisor will ultimately save you money.  We'll get you back on track with some suggestions and tips. Ensurco is one of Ontario’s leading auto insurance brokers for high risk drivers. Let us help you get the best high risk insurance rates! Call or complete an online quote today and we'll respond with some favorable quotes within a few minutes!

Can I find cheap high risk car insurance?

The best way to find cheap car insurance after an accident is to use an insurance broker. An insurance broker can get you a car insurance quote from many insurers. You can then find which one offers the cheapest car insurance rates! Talk to one of Ensurco’s licensed advisors for all your insurance needs.
  • Rasoul K.

    What our clients say

    After talking to many different insurance companies, I spoke to Ensurco New Business Team. They returned my call quickly, provided the best rate and helped me set up a home insurance policy within an hour. Great service!

    Rasoul K.
  • Edward L.

    What our clients say

    I recently sent Ensurco an email requesting changes to my auto policy. I got a quick response. All the changes were completed in a timely manner and I received a detailed email with my billing schedule attached.

    Edward L.
  • Maria L.

    What our clients say

    Amazing staff to deal with. Very fast and efficient. My broker explained the difference between condo insurance and condo corporation insurance.  Thank you!

    Maria L.
  • Michelle B.

    What our clients say

    I was in a time crunch to get an auto application done on a Friday afternoon as I was picking up a new car. I called my customer service rep at Ensurco and she was able to get me a quote, provide an application and even send confirmation to my dealer with a liability slip. Keep up the good work.

    Michelle B.
  • Kelly S.

    What our clients say

    As a high risk driver, I was looking for a good rate as well as good coverage. I spoke to an Ensurco broker who helped me set up a 6 month policy so that I can eventually move to a regular market at less premium. You guys came through when no one else cared.  Thank you so much for your help. :)

    Kelly S.
  • Mark C.

    What our clients say

    When my son and I decided to travel to Calgary for a week, I called my broker at Ensurco who was able to provide me with great coverage at a really good price. I got my travel documents by email within 10 minutes. Exceptional timing!

    Mark C.
  • Don S.

    What our clients say

    Claims service! Most people dread talking to an insurance company or broker to report a claim. But I recently called my insurance broker at Ensurco about a possible water damage claim. He was able to guide me through the process.  The decision was mine as to whether or not I would proceed with the claim.  If so, he explained that he could connect me directly with the insurance company adjuster and resolve the issue. Great advice and great service.  Thanks Ensurco!

    Don S.


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