Are you having trouble getting auto insurance because you’re considered a high-risk driver and no insurer wants to cover you? Thanks to ClickInsurance, you may find an insurer willing to provide coverage at a fair price—even if you’re labeled “high risk.”
ClickInsurance has a network of more than 30 insurers throughout Canada, many of which specialize in non-standard auto insurance. By submitting a non-standard auto insurance quote request on ClickInsurance, you increase your chances of finding an insurer who will accept your profile at an appropriate rate.
Non-standard insurers cover, among other things, the following high-risk profiles:
Fill out the ClickInsurance auto insurance form on this page to receive multiple quotes from our specialized non-standard auto insurance partners.
By clicking START NOW, you grant the permissions below and accept our terms of use.*
*Permissions:
I authorize ClicAssure to collect and share my personal information with some of its business partners who may provide me with an insurance quote. I also authorize ClicAssure and its partners to contact me by email, text, phone, or mail to respond to my request or finalize my quote.
I also consent to ClicAssure and its partners collecting, using, sharing, and retaining my personal information for the purposes of:
• Creating and updating my profile;
• Assessing the products and services they can offer me;
• Obtaining my feedback on my interactions with them or on their products and services;
• Conducting studies and creating statistical models;
• Providing me with personalized recommendations;
• Fulfilling their legal obligations.
If I accept the insurance offer from one of ClicAssure's business partners, I also authorize the latter to inform ClicAssure in order to update my file.
I also authorize ClicAssure and these same partners to communicate with me by email, text message, telephone or mail to respond to my request for insurance quotes or to allow me to finalize my quote request.
If I accept the insurance offer from one of ClicAssure's business partners, I also authorize the latter to inform ClicAssure in order to update my file.
I also authorize ClicAssure and these same partners to communicate with me by email, text message, telephone or mail to respond to my request for insurance quotes or to allow me to finalize my quote request.
Privacy
Use of cookies
395
of average savings on your Non-Standard Auto Insurance | Click Insurance **
** Based on people who have completed an Auto or Home Quote Request via ClicAssure.com and have entered into an insurance contract with a partner
32
people online
2M +
completed forms until now by our users
4.7 stars
+ than 1000 Google reviews
Non-standard auto insurance (also called “high-risk” or “malus” insurance) is for drivers who have a driving record or history deemed riskier by traditional insurance companies. This may include license suspensions, a criminal record, repeat accidents, serious infractions, or a history of non-payment of premiums.
Insurers assess various factors to determine the risk associated with each driver:
If your record has several of these factors, you may be classified as “non-standard.”
Many brokers and insurers specialize in this type of risk. One of the first steps to increase your chances of obtaining auto insurance with a non-standard profile is to complete a quote request on ClickInsurance. Our partners will be able to find a solution that lets you insure your vehicle.
Generally, yes. Non-standard drivers pay higher premiums because they’re seen as more likely to have a claim. Rates can vary greatly from one insurer to another, which is why it’s a good idea to shop around and compare multiple offers through the ClickInsurance comparison tool.
To improve your record and eventually get better conditions:
After a certain period without incidents, your risk profile may improve, potentially allowing you to switch to standard insurance.
Yes, if you add optional coverages such as collision, rollover, theft, etc. However, because of the higher risk, premiums and deductibles are generally more expensive. Be sure to review your policy details to understand the scope of your coverage.
Yes. Even specialized insurers reserve the right to refuse coverage if a driver is deemed too high-risk (multiple criminal convictions, numerous serious infractions, etc.).
Non-standard auto insurance primarily aims to provide protection to drivers who, due to their record, are refused by traditional insurers. While premiums are higher and conditions may be stricter, this is often a temporary step. As you improve your record over time, you may eventually switch to a more affordable and less restrictive standard insurance policy.
