Options for high risk drivers who are denied auto insurance

Published: September 28, 2015

Updated: May 15, 2018



If you have been denied auto insurance then it is a worrying time and your options may seem limited, while getting back on the road may seem a distant dream. However, there are still numerous options for drivers who are being denied traditional auto insurance, but first it is important to know why you have been denied in the first place.

In almost all circumstances the reason you would be denied normal auto insurance is because you are considered a high risk driver. While this loosely implies that you are riskier on the road than other drivers, the term high risk also means that insurance providers assume a higher risk than they would normally because of your previous driving record.

  • Some issues that can result in your being classed a high risk driver are:
  • Serious traffic offences
  • Driving under the influence of drugs or alcohol convictions.
  • Numerous traffic violations (such as speeding)
  • History of insurance fraud or other auto insurance violations

While being a high risk driver is the chief reason you may be denied auto insurance, you could also have other problems such as low credit which makes it hard for insurers to make a financial commitment with you.

So, what do you do when you have been denied auto insurance? Firstly you should not panic as there are regulations in Ontario and other Canadian provinces that say all drivers who are eligible for auto insurance should be granted it. The Facility Association is one organization that helps grant insurance policies to high risk drivers and others who have been denied coverage.

There are also several companies that offer high risk driver policies that are specific for this kind of vehicle owner, while some providers are even dedicated to this kind of coverage. As always it is important to shop around and find the best quote as high risk drivers are subject to among the highest premiums in the industry, so finding the best deal becomes even more essential.