High-Risk Insurance


(Ontario)

Assuming that we don't have any claims or tickets going forward, how long on average do people stay "high-risk"? I've been considered high-risk insurance for a year, on renewal there was practically no drop in annual rate. Wondering how long will likely have to pay through the nose...


High Risk Coverage?


High risk insurance Ontario

Hi there,
You will probably be high risk for three years. But it could be more depending on the reason (e.g. DUI). Tickets take three years to come off your record. The impact of an accident decreases every year until it is off your record. This is a minimum of six years.

The best you can do is focus on developing a good record over time and shop around for better rates. 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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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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