Most brokers turn high-risk drivers away. PolicyRescue specializes in exactly your situation — DUI car insurance Ontario, insurance after licence suspension Ontario, cancelled insurance, and multiple tickets. We access the non-standard insurance market Ontario brokers rarely use. No judgment. Real answers. Free review.
If you answered yes to even one of these, you're in the right place.
Each situation has its own insurance market. We know which insurers to call for each.
An impaired driving or DUI car insurance Ontario situation typically places you in the non-standard market for 6–10 years. Specialist non-standard insurers like Echelon Insurance, Jevco, Pafco, and Coachman cover DUI convictions in Ontario. We compare all of them to find your lowest available rate.
Three or more minor convictions within 3 years typically triggers non-standard placement. A stale 3-year window can dramatically improve your rate — we time this strategically.
One at-fault claim stays on your Ontario insurance record for 6 years. Two or more may trigger facility pricing. We find the insurer most lenient for your specific accident profile.
Cancelled insurance Ontario — whether for non-payment or repeated claims — is one of the hardest flags to place with standard insurers. But it's not impossible. We work with non-standard markets and the Facility Association Ontario that accept cancellation history and find you same-day coverage options.
Insurance after licence suspension Ontario is a specialty of ours. Whether your suspension was for stunt driving, impaired driving, or administrative (HTA) reasons, once your Ontario licence is reinstated we can find carriers that will insure you. We know which non-standard insurers are most lenient for each suspension type.
Careless driving is a serious conviction in Ontario — treated like a major violation by most insurers. A small number of non-standard carriers still provide coverage. We know which ones.
Simple, transparent, and completely free from start to finish.
Ontario's auto insurance system has three tiers for drivers with complicated records. Most standard brokers only have access to the first tier — which is exactly why they turn you away.
Standard market: Major insurers (Intact, Aviva, Economical, etc.) for drivers with clean or near-clean records. Lowest premiums.
Non-standard market: Specialist insurers like Echelon, Jevco, Pafco, and Coachman that accept higher-risk profiles. Higher premiums, but still competitive. This is where PolicyRescue does most of its high-risk work.
Facility Association: A shared insurance pool that acts as an insurer of last resort in Ontario. Every licensed insurer participates. Premiums are the highest possible, but no Ontario driver can be left without coverage through this route.
The goal of working with PolicyRescue is to get you into the lowest tier possible, and to move you down a tier at every renewal as your record improves.
Our commitment: We don't place you and forget you. We review every high-risk client file at renewal to move you to a better rate the moment your record allows it.
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Answers to the questions we get asked most often.
Yes. A DUI conviction makes you a high-risk driver but does not make you uninsurable in Ontario. Coverage is available through non-standard insurers such as Echelon and Jevco. Premiums will be significantly higher than standard rates, but PolicyRescue can compare multiple options and work to minimize your cost. Call 647-657-0517 for a free review.
Yes. A policy cancellation — even for non-payment or repeated claims — does not mean you are permanently uninsurable. PolicyRescue works with non-standard insurers who accept cancellation history and can often arrange same-day coverage. Every Ontario driver has a legal right to insurance.
In Ontario, minor convictions like speeding tickets typically affect your insurance for 3 years from the conviction date. At-fault accidents remain on your record for 6 years. Serious convictions such as DUI or careless driving can affect your rates for 6–10 years depending on the insurer. Some non-standard carriers are more lenient about older convictions.
Standard insurance is available through major carriers (Intact, Aviva, Economical) for drivers with clean records. High-risk insurance is placed through non-standard specialist carriers (Echelon, Jevco, Pafco, Coachman) or the Facility Association for drivers with convictions, cancellations, or multiple claims. PolicyRescue has access to both markets.
Yes, once your licence is reinstated you can obtain insurance. The type of suspension affects which carriers will quote you — criminal suspensions are treated differently from administrative (HTA) suspensions. PolicyRescue helps drivers with reinstatement history find coverage at the best available rate.
The Facility Association is a shared insurer-of-last-resort for Ontario drivers who cannot obtain coverage elsewhere. Every Ontario insurer participates, so no driver is left uninsured. Facility premiums are the highest available — PolicyRescue always explores non-standard options first and only moves to Facility when absolutely necessary.
High-risk premiums in Ontario typically run 50–300% higher than standard rates depending on the severity of the driving record issues. Average monthly costs for non-standard placements range roughly from $300 to $700+. The exact amount depends on your vehicle, postal code, conviction type and age, and which carrier places your policy. PolicyRescue compares the available options to find the lowest rate for your profile.
Time is the biggest factor — maintaining a clean record for 3–6 years steadily moves you back toward standard pricing. Other strategies: completing a driver improvement course, choosing a vehicle with lower theft and repair costs, paying annually instead of monthly, bundling home and auto insurance, and working with a broker who reviews your file proactively at every renewal. PolicyRescue does this for every high-risk client.
Also see our related pages: Renewal Too High? · New Driver Insurance · Insurance Glossary · All Services