High risk driver

by Shaina
(Nova Scotia)

In 2010 I let a boyfriend drive my fathers sports car, turns out he had drank some and smashed into two Parked cars in a driveway. On top of that, I ironically got into two accidents within 24 hours in January. The first I was going into the right lane when someone sped up out of nowhere and we collided, it was deemed my fault. The second one a car infront of me slammed on their breaks thinking someone was crossing the street, which caused me to hit them. This was also deemed as my fault. The insurance company completely cancelled my entire families policy (I am 19 driving parents cars). Now my insurance is a crazy 400$ a month and if I decide to stop driving and not be insured, my Parents Insurance will triple. What can I do about this?? I am trying to move out and can NOT afford 400$ a month when I barely drive.


High Risk Auto Insurance


Hi Shaina
It will take six years to clear this up. You need to drive very carefully. Every year your rates will improve. For at least a few years you will only get High Risk coverage (High risk insurance)

Please be sure to discuss this further with a licensed insurance representative. Oh, and by the way, are your rates too high? Check here:

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Jan 16, 2015
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Penalized for living with a high risk driver
by: MM

I have been driving for 30 years. Recently my daughter's friend moved in and that young lady has a bad driving record. She started shopping around for insurance and called the same company that insures me. Now that they know she lives here they ASSUME she has access to my car - But she DOES NOT. None-the-less they sent me a form OPCF28A that is not the Standard version issued by the province, rather a modified version to make me liable if she does take the car, even without my permission. It even states that I could be charged! This is entirely bull sh-t. So I blacked out the parts I don't agree to then signed it and sent it back. I expect them (RBC) to then cancel my insurance but WHY should I be penalized when I have NEVER let anyone insured or not drive my car? Why should I be penalized and threatened with cancellation and not being able to get insurance in the future just because someone else who is a bad driver shares the same address?

Oct 01, 2012
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Canadian car insurance
by: Andrew

Hi.
I have 2 speeding tickets (5 and 10 km over limit with no points) and my insurance is $450 in Toronto. It doesn't matter what place you are living or how much experience you have. Canadian insurance companies are looking for any fault to increase your insurance. It's legal rape off with absolutely no control. So you are lucky with $400 monthly.

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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

Please Read

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