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High Risk Auto Insurance

Car insurance you can count on

What you drive, how you drive, and when you drive is unique to you. Every situation is different. That’s why, we take the time to see you as an individual and provide you with a customised quote to fit your needs. For car insurance that values you for who you are, and how you drive, get an instant quote.

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Find the right coverage for you.

Most Protection

Full Coverage Insurance

Cover for loss or damage to your car, plus all the mandatory coverages required for the Province of Ontario.

+ OPCF #20
Loss of Use: Temporary replacement vehicle

+ OPCF #27
Liability for Damage to Non-owned Automobiles

+ APE
Accidental Protection Endorsement: Forgives your first at-fault accident

*Conditions apply

Peace of Mind

Third Party Fire & Theft
Protection

All the mandatory coverages for the Province of Ontario plus additional Comprehensive Coverage.

Comprehensive Coverage covers the following:
+Fire
+Theft
+ Vandalism
+ Acts of God
(Animal Impact, lightning strikes.)
*Conditions apply

Just the Essentials

Third Party
Liability Only

All the mandatory coverages for the Province of Ontario and minimum Liability Limit of $200,000.

A minimum Liability of $1,000,000 is recommended.

Most Protection

Full Coverage Insurance

Cover for loss or damage to your car, plus all the mandatory coverages required for the Province of Ontario.

+ OPCF #20
Loss of Use: Temporary replacement vehicle

+ OPCF #27
Liability for Damage to Non-owned Automobiles

+ APE
Accidental Protection Endorsement: Forgives your first at-fault accident

*Conditions apply

Peace of Mind

Third Party Fire & Theft
Protection

All the mandatory coverages for the Province of Ontario plus additional Comprehensive Coverage.

Comprehensive Coverage covers the following:
+Fire
+Theft
+ Vandalism
+ Acts of God
(Animal Impact, lightning strikes.)
*Conditions apply

Just the Essentials

Third Party
Liability Only

All the mandatory coverages for the Province of Ontario and minimum Liability Limit of $200,000.

A minimum Liability of $1,000,000 is recommended.
Features, benefits, and coverages.

We provide an easy method for you to receive competitive insurance quotes from a network of insurance companies.

If your car insurance requirements are unusual, high risk or even unique, we have access to high risk car insurance solutions that you will not find available elsewhere.

Temporary vehicle replacement

Get access to a rental car to keep you on the road while your car is being repaired or replaced following a claim. Get peace of mind.

Collision protection

Protect your vehicle if it’s damaged in an accident. If you love your car, it’s worth protecting with collision protection insurance to help get you back on the road sooner.

Disappearing deductible

Add this benefit to your car insurance policy and you could reduce your deductible every year that you don’t make a claim.

Conviction protector

Avoid paying more for your car insurance if you get a minor driving conviction. Your first chargeable accident in the last 6 years will not affect your premium on renewal

Features, benefits, and coverages.
We provide an easy method for you to receive competitive insurance quotes from a network of insurance companies.

Temporary vehicle replacement

Get access to a rental car to keep you on the road while your car is being repaired or replaced following a claim. Get peace of mind.

Collision protection

Protect your vehicle if it’s damaged in an accident. If you love your car, it’s worth protecting with collision protection insurance to help get you back on the road sooner.

Disappearing deductible

Add this benefit to your car insurance policy and you could reduce your deductible every year that you don’t make a claim.

Conviction protector

Avoid paying more for your car insurance if you get a minor driving conviction. Your first chargeable accident in the last 6 years will not affect your premium on renewal

If you’re a Ride Share Driver in Ontario, we have you covered.

High Risk Auto Pros offers a car insurance solution for Ride Share Drivers who use their personal vehicles for ride-sharing services.
What is car insurance?

Comprehensive Car insurance can provide you and your family with peace of mind, helping cover the cost of damages that may occur in the event of a theft or collision. Depending on your policy, auto insurance can cover all or part of the cost of repairs or in some cases the full replacement of your vehicle. This includes the cost of damages to a third party’s vehicle or property.

What is high risk driver?

You might be considered a high risk driver and require high risk car insurance if you have:

  • Had one or more auto accidents.
  • Received multiple speeding tickets or other traffic citations.
  • Been convicted for Driving Under the Influence (DUI) – (Driving while intoxicated).
  • Received non-payment cancellations.
  • Received non renewal by a past insurer.
What does car insurance cover?

Third party property insurance helps cover damage to other people’s car or property in the event of a collision. Third party fire & theft provides you with additional coverage in the event your vehicle is damaged by fire or stolen. Comprehensive car insurance will also provide you with third party cover, and will cover your vehicle if it is damaged in a collision or accident.

How do you get high risk car insurance?

At High Risk Auto Pros, we specialise in high risk car insurance solutions no matter your situation. If you’ve been involved in a car accident, received convictions, tickets, a non-payment cancellation or non renewal by your current insurer, we’ve got an auto insurance solution for you.

At High Risk Auto Pros, our insurance specialists can not only provide you with a competitive quote but offer advice on what you might be able to do to reduce your high risk car insurance premiums. Get an instant quote in minute or get in touch!

Get a high risk car insurance quote in just a few minutes

Frequently Asked Questions.

Car Insurance is a safety net to protect you and your family’s financial well-being in the case of an accident, collision or an unexpected loss. It is a legal arrangement that guarantees financial support in the event of a covered accident or incident.

The cost of car insurance will depend on the type of cover you hold. (for example: Third Party Property, Third Party Fire & Theft or Comprehensive), It will also depend on how risky you are to insure, meaning premiums can vary.

When using our online quoting system, we ask you specific questions to help you find coverage that suits your individual needs and budget.

Details that impact your premiums include:

  • Your claims history
  • Where you live
  • Where your car is parked (for example: in a locked garage or on the street)
  • Your driving history (and the driving history of other drivers listed).

‘Extras’ are inclusions or perks that are bundled into your car insurance policies. Some of these extras or  ‘benefits’ are:

  • Hire car cover. Your insurer may provide you with a hire car when your vehicle is being repaired or replaced.
  • Roadside assistance. Your insurer may cover the cost of roadside assistance.
  • Replacement keys. Your insurance provider may cover the cost to replace your keys if you were to lose them.
  • Windscreen cover. Your insurer may cover the cost of repairs or replacement, including cracks to your windscreen.
  • Personal effects cover. Your insurer may cover the cost to replace your valuables in your car (up to a certain value).

Deductible is the amount you’ll pay your insurer when you make a claim on your policy. This deductible is agreed upon when you first purchase the policy. When you make a claim, you will pay this amount, while your insurer will pay the rest of your repair/replacement costs up to the agreed amount on your policy. Most drivers have a $500 deductible. In Ontario, the standard deductible offered by insurance companies is $500 for collision and $300 for comprehensive.

There are different types of car deductibles:

  • Standard deductible. This is paid out of pocket when you make a claim.
  • Voluntary deductibles. This is paid in addition to your other deductibles charges, sometimes for a cheaper premium.

If you are not-at-fault in a collision or an accident, you may not be required to pay the deductible. However, there is an exception to this rule. When the at-fault party is not identified, for example, say you’re involved in a hit and run and the guilty party is not found or identified, you may still be required to pay the deductible.

You can choose various levels of coverage, depending on how much protection you want for your car insurance:

  • Collision and Upset coverage protects you from costs to repair damage to your vehicle caused by impact with another vehicle or an object such as a guardrail.
  • “Coverage against perils other than collision or upset”, previously called Comprehensive, protects you from costs to repair damage to your vehicle from unexpected situations such as fire, theft, vandalism or natural disasters.
  • All Perils protection combines both of the above coverages.
  • Specific Perils coverage protects your vehicle only against specific dangers, such as theft or attempted theft, some natural disasters, riots or civil disturbances.

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