Struggling to find affordable coverage after tickets, accidents, or cancellations? Regal Insurance helps Ontario drivers get back on the road with tailored high-risk auto insurance from top Canadian providers.
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Regal Insurance is your trusted Ontario broker for high-risk auto coverage. If you’ve been refused insurance, faced license suspension, or carry a poor driving record, we understand the challenges. Our team compares rates from multiple insurers to help you find affordable options and a path back to standard coverage. Services include:
We help you rebuild your driving record and regain affordable insurance over time.
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Regal Insurance is your independent Ontario auto broker, focused on people, not platforms. We’re not just another insurance comparison site. Our licensed brokers work for you, not the insurers, delivering smarter guidance and better rates.
A Regal Insurance Broker will help you compare quotes from trusted Canadian providers, avoid unnecessary coverage and save money on your premiums. Speak with real experts who understand Ontario roads.
From quote to claim, Regal is with you every step of the way, whether online, by phone, or in person.
Proudly serving drivers across Ontario—from Kitchener and London to Mount Brydges, Cambridge, and Oakville—we’re committed to helping you drive protected.
About UsConnect with our brokers for customized insurance solutions that outdo big providers. Specializing in Ontario commercial insurance, we compare Canada’s top insurers to ensure you receive the right coverage at the best possible price.
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High-risk auto insurance provides the legal protections every Ontario driver needs — liability, accident benefits, and direct compensation for property damage — but in a policy designed specifically for drivers with challenging records. The core difference isn’t what’s covered, but how it’s delivered: premiums, deductibles, and eligibility terms are adjusted to reflect your driving history. These policies also offer unique features that support reinstatement, compliance, and a path back to standard auto insurance.
High-risk drivers still receive Ontario’s required liability, accident benefits, and property damage protections. However, insurers often impose higher premiums, deductibles, or coverage conditions to offset the increased risk.
If your previous policy was canceled due to non-payment, too many claims, or serious convictions, high-risk auto insurance ensures you can still get legal coverage and avoid driving uninsured.
While collision and comprehensive are available, some insurers may limit or adjust optional coverages for high-risk drivers. You may face higher deductibles or exclusions depending on your record.
Policies are often structured to help drivers rebuild their record. Maintaining coverage without lapses and avoiding new infractions can gradually lower costs and improve eligibility for standard insurance.
Available to drivers who don’t currently own a vehicle but need coverage to keep their license active and demonstrate continuous insurance history.
Even high-risk drivers can add rental car coverage, ensuring you have transportation while your vehicle is repaired after a claim.
While base rates are higher, bundling your high-risk auto policy with home, tenant, or life insurance can unlock savings and simplify your coverage.
We partner with Canada’s top insurance providers so you can compare quotes side by side, choose the best coverage for your needs, and lock in a competitive rate, without the hassle.
Being labeled a high-risk driver doesn’t mean you’re stuck paying the highest possible premiums forever. With the right strategies, you can gradually reduce your rates and work your way back to standard coverage. Regal brokers help you find the best opportunities to save without leaving gaps in your protection.
Every ticket, claim, or suspension adds to your risk profile. By driving safely and avoiding further infractions, you show insurers you’re improving. A few years of clean driving is often the single biggest factor in lowering high-risk premiums.
Opting for a higher deductible reduces your monthly costs. While you’ll pay more out of pocket in a claim, it’s a practical way to bring premiums down while you rebuild your record.
Completing an accredited defensive driving or remedial training course can demonstrate responsibility to insurers. In many cases, this qualifies you for discounts and accelerates your return to lower rates.
Even high-risk drivers can save by combining auto coverage with home, tenant, or life insurance. Multi-policy discounts soften the impact of higher premiums and make policy management simpler.
Not all insurers are willing to cover high-risk drivers. Brokers like Regal know which providers accept high-risk applications and can compare quotes across the right markets — often uncovering savings you wouldn’t find on your own.
Want to learn more ways to save or better understand your coverage? Visit our Help Centre to explore articles on deductibles, discounts, policy add-ons, and more. We’re here to make car insurance simple, transparent, and tailored to you.
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In Ontario, all drivers — including those classified as high-risk — are required to carry third-party liability coverage. This protects you if you cause injury to others or damage their property in an accident. Even if you’ve been denied standard insurance due to accidents, tickets, or cancellations, high-risk auto insurance ensures you can meet this legal requirement and remain licensed.
Your driving history is the main factor that determines whether you’re considered high-risk and how much you’ll pay for coverage. Multiple at-fault accidents, serious convictions, license suspensions, or non-payment cancellations can push you into the high-risk category. Convictions remain on your record for at least three years, and insurers weigh that history heavily when calculating your premiums.
Several elements influence your premiums when you’re classified as a high-risk driver, including:
Together, these factors paint the risk profile insurers use to determine your rates.
If you’re involved in a collision, remain at the scene and first check for injuries. Call 9-1-1 immediately if anyone is hurt. Exchange driver’s licence and insurance details with the other parties and gather evidence such as photos and witness contacts. For damages over $2,000 or when injuries occur, you’re legally required to notify police. Once safe, contact your insurer and report the accident promptly. For high-risk drivers, timely and accurate reporting is especially important, as it prevents additional complications with your policy.
Yes. Even as a high-risk driver, you still have options to adjust coverage. You may be able to change your deductible, add optional protections like collision or comprehensive, or include endorsements such as rental car coverage. Your broker can help tailor the policy to your situation while also planning for a path back to standard insurance when your record improves.
A high-risk driver is someone insurers view as more likely to file a claim due to past accidents, tickets, suspensions, or lapses in coverage. If you fall into this category, you may need high-risk auto insurance to stay legally insured. This type of policy allows you to continue driving while proving to insurers that you can maintain a clean record, which is the key to lowering your premiums over time.
A deductible is the portion you agree to pay out-of-pocket before your insurance covers the rest of a claim. For example, with a $1,000 deductible, you pay the first $1,000 of repair costs. For high-risk drivers, insurers often require higher deductibles, but choosing the right amount helps you strike a balance between keeping your premiums manageable and covering potential out-of-pocket expenses.
Many high-risk policies can include rental car coverage, but it’s not always automatic. Some insurers limit this option for high-risk drivers, while others provide it as an add-on. Always confirm with your broker before renting, so you know whether your policy extends to rental vehicles and what limits apply.
Optional coverages are available, but high-risk drivers often face higher costs or deductibles when adding them. Collision covers damage if you’re at fault in a crash, while comprehensive covers theft, fire, or vandalism. If you drive a newer or financed vehicle, these coverages are often essential. Your broker can help weigh the cost against the value of your car and your long-term insurance goals.
You should review your policy at least once a year, and more often if your circumstances change — such as completing driver training, paying off a vehicle, or moving to a new address. Regular reviews are critical for high-risk drivers, as improving your record over time may make you eligible for standard insurance again and significantly lower your premiums.
Beginning July 1, 2026, Ontario is making changes to auto insurance to give drivers more choice and flexibility. Drivers will be able to choose benefits...
Third-party liability insurance is the part of your auto insurance that protects you financially if you cause injury to another person or damage to their...
Comprehensive coverage is optional auto insurance that protects your vehicle from damage caused by non-collision events such as theft, vandalism, weather, and other unexpected incidents....
