High-Risk Driver Insurance can feel overwhelming, especially with a driving record that complicates finding coverage. At 705 Insurance, we specialize in helping drivers with unique challenges secure the protection they need. Whether you’ve faced multiple claims, minor convictions, non-payment cancellations, or are new to Canada, we offer customized solutions to meet your needs.

What is High-Risk Driver Insurance?

High-Risk Driver Insurance is designed for individuals who may have difficulty obtaining standard auto insurance due to their driving history. This can include drivers with multiple accidents or claims, several minor convictions, non-payment cancellations, or new drivers without an established driving record in Canada. High-risk policies provide the essential protection required to drive legally while offering a pathway to improved rates over time.

Benefits of High-Risk Driver Insurance with 705 Insurance

• Customized Coverage: We tailor policies to address your specific driving history and unique needs.

• Competitive Options: Our brokers work with multiple insurers to find the best rates available.

• Road to Recovery: With responsible driving, high-risk drivers can often return to standard rates over time.

• Expert Guidance: Our experienced brokers simplify the process, ensuring you understand your options and obligations.

• Support for All Situations: We assist drivers with claims, convictions, non-payment cancellations, and new-to-Canada situations.

Common Questions About High-Risk Driver Insurance

• Who qualifies as a high-risk driver? High-risk drivers typically include individuals with multiple claims, numerous minor convictions, DUIs, or lapses in insurance coverage due to non-payment.

• Is it expensive? High-risk insurance often comes with higher premiums, but we help you find competitive options to minimize costs.

• Can I improve my rates over time? Yes, demonstrating safe driving habits and maintaining consistent coverage can lead to better rates in the future.

• Do you insure new drivers? Absolutely! We provide coverage for new drivers in Canada, helping them establish a solid insurance history.

Clearing Up Misconceptions

Many believe high-risk drivers can’t get insured, but specialized policies are available to ensure everyone can legally drive. Another misconception is that high-risk status is permanent. With responsible driving and time, drivers can often return to standard insurance rates. At 705 Insurance, we guide you through every step, ensuring transparency and support.

Real-Life Examples

• For Drivers with Claims: A driver with multiple claims secures a customized policy, allowing them to stay insured while working toward a cleaner record.

• For Convictions: An individual with several minor convictions receives coverage that fits their budget and helps them regain insurer trust.

• For New-to-Canada Drivers: A newcomer to Canada without a driving history is insured, enabling them to build a positive record from day one.

The 705 Insurance Difference

At 705 Insurance, we believe in second chances and providing every driver with access to reliable insurance. Our brokers take the time to understand your situation and find a policy that meets your needs. Don’t let your driving history hold you back—contact us today to get a quote and drive with confidence!