Am I Uninsurable?

by Brian
(Port Colborne, ON Canada)

Our daughter used our car 4 years ago and had a minor accident. The police were not called and no claim was paid out by my insurance company. She shows up on my insurance policy as 100% at fault.


Last year our son-in-law borrowed our car for work and had an accident,was charged by police and convicted.

My wife and I have never had an accident nor ticket.

I recently went to another insurance company and made a full discloser of all the accidents. The agent I spoke with put me on hold to check with my insurance company. I was told there was no record of my wife being insured. The agent asked for her drivers license and when I didn't have it they requested a letter of experience. They required it within 30 days or my insurance would be cancelled.
The agent then continued issuing me insurance for my car.
Two payments have been taken from my bank account.
I cancelled my insurance and requested they send a letter of experience to my new insurer being sure to note that my wife was an insured driver on my car.
That was the only reason the agent requested the letter.
Now they call me after receiving the letter telling me they are cancelling my insurance because of the two accidents leaving me without insurance and trying to find it elsewhere.
As you know one of the questions asked is have you ever been refused insurance or had your insurance cancelled. Now my answer is yes.
Do I have any recourse or how do I go about getting insurance now??

Cancelled Insurance


Hi Brian
Thanks for asking. You're in a bad spot with two at fault accidents on your insurance history. You will be refused coverage by most insurers until the first accident is over six years old.

The new insurer must have thought that both accidents were not at fault, until they received the reports.

The best you can do is shop around agressively and speak with many insurance reps in the hopes that one will find a solution. The questions are unavoidable, but the real problem is the accidents.

Please be sure to discuss this further with a licensed insurance representative.
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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

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