Major conviction
DUI or impaired conviction
Coverage is still available, still legal to shop. We place DUIs with non-standard markets and re-shop you back toward standard rates the moment you qualify.
RIBO licensed in Ontario 25 years of experience
High-risk auto insurance.
Without the lecture.
A ticket, a suspension, a DUI — it doesn't define what's next. For twenty-five years we've been getting Ontario drivers back on the road, respectfully, with sixteen carriers behind us.
- 25 years 25 years of experience.
- Many carriers Standard + non-standard markets.
- All Ontario London HQ, licensed province-wide.
RIBO Licensed
RIBO Regulated
E&O Insured
Who we help
Situations we write every day.
Standard brokers turn these files away. We work the hard ones — all day, every day.
Licensing
Suspension or reinstatement
Suspension, reinstatement, or the first policy after a lift — there is a market for each. We know which carrier fits which story and what it will cost.
Driving record
Tickets & at-fault accidents
Three tickets. Two at-faults. A stunt conviction. We review your record, find the right carrier for your situation, and quote honestly.
Limited history
New driver (G1 / G2)
G1 or G2, returning from abroad, no Canadian history — we write new drivers every week and we'll tell you which carrier will treat you fairly right now.
Coverage gap
Lapsed or cancelled policy
Non-payment cancellation, missed renewal, material change — the lapse is fixable. It costs more for a year. Then we move you back.
Last resort
Facility Association
Facility isn't forever. In most cases we can transition you to a non-standard market within one or two renewals. We'll tell you exactly when.
How it works
Quote today. Bind faster.
No gatekeeping. No quiz you need to pass.
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01
Tell us your situation.
Three minutes on the form above, or one phone call. We ask for enough to build a real quote — nothing you don't need to share.
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02
We shop sixteen carriers.
Including the non-standard markets most brokerages aren't appointed with. Competition means lower premiums and honest answers about which carrier fits your file.
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03
You choose what fits.
Bind by phone, email, or e-signature. We handle cancellation of any existing policy and the pink-slip paperwork. You're insured and moving forward.
25Years in practice
ManyCarriers appointed
RIBOLicensed & regulated
LondonOntario head office
OntarioProvince-wide service
Why us
Plenty of places to get a quote.
Here's what we think makes this one worth the five minutes.
Specialists, not generalists.
High-risk isn't a side file here. It's the practice. Carriers know us, underwriters pick up, files move.
Sixteen markets, one call.
Most brokerages carry three or four. Sixteen means real competition — and options when a standard decline rolls in.
A plan off high-risk rates.
Every client leaves with a roadmap. When convictions age off. What rate class you move into. When we re-shop.
Respectful, always.
You won't be lectured. You won't be asked to justify what happened. You'll be treated like someone moving forward — because you are.
Resources
A growing library for Ontario drivers.
We’re building practical guides around the questions that come up most often in high-risk auto insurance.
Published guide
DUI / impaired driving
Coverage options, timelines, and what to expect after conviction.
Published guide
Suspension / reinstatement
Common questions around getting insured again after a suspension.
Published guide
Facility Association
What it is, when it appears, and what moving out of it can look like.
Questions
Answered honestly.
The ones we hear every week, in plain English.
What makes a driver "high-risk" in Ontario?
Ontario insurers classify a driver as high-risk when their record includes impaired driving (DUI), stunt driving, multiple moving violations, at-fault accidents, license suspensions, or a lapse in coverage. High-risk simply means standard insurers decline the file — specialists and non-standard carriers will still write it.
Can I get insurance after a DUI in Ontario?
Yes. Ontario requires every licensed driver to carry auto insurance, and coverage remains available after a DUI through non-standard carriers and, if necessary, Facility Association. Expect higher premiums for roughly three to six years post-conviction. After that, we re-shop your file and transition you back toward standard rates.
What is Facility Association and should I be worried?
Facility Association is Ontario's insurer of last resort — a pool that guarantees coverage for drivers no standard or non-standard carrier will write. It is legitimate, regulated, and not a penalty. We only place clients with Facility when it is the best available option, and we actively transition you out.
How long do tickets and accidents affect my premium?
Minor convictions typically affect premiums for three years from the conviction date which is when the ticket is paid. At-fault accidents affect premiums for six to ten years. Major and criminal convictions affect premiums for three to six years depending on the carrier and situation. We track these dates for you and re-shop when you qualify for better rates.
Do you serve all of Ontario or just London?
Our office is in London, Ontario, and we are licensed and active across the entire province — Toronto, Ottawa, Hamilton, Kitchener-Waterloo, Windsor, Barrie, Kingston, Thunder Bay and every community in between. Quotes and binding are handled by phone, email, and e-signature.
How fast can I be insured?
Most high-risk policies can be quoted the same day and bound within twenty-four hours once we have your driver abstract and vehicle details. If you're mid-cancellation or driving uninsured, call us directly at (519) 657-1057 and we will prioritize your file.
Ready when you are
Speak with a licensed broker.
Start a quote above, or call directly. Real people answer between 9 and 5:30, Monday to Friday.