High Risk Insurance in Ontario
Get the lowest rates on high risk insurance coverage from Ontario’s top providers. Regal Insurance advocates for you to find the best coverage that meets your unique needs.
Get A Quote
The Best High Risk Insurance Options in Ontario
With 30+ years of experience, Regal Insurance Brokers is a trusted name in high risk insurance across Ontario. As a family-owned business, we are committed to offering you the best possible options for your unique needs. Our team works closely with leading high risk insurance providers to secure affordable and comprehensive coverage tailored just for you. We take the time to explain all the details, ensuring you understand and feel confident about the protection you choose.
High risk insurance encompasses a variety of scenarios where individuals or businesses are considered more likely to be involved in an at-fault incident, default on payments, file claims, or have had previous insurance issues. Given these complexities, a diverse range of high risk insurance options are available, designed to provide tailored coverage that addresses your specific challenges and requirements.
High risk insurance offers specialized protection for individuals or businesses deemed more susceptible to risk due to various factors. Here are some common types of high risk insurance available: high risk auto insurance, high risk home insurance, high risk life insurance, high risk business insurance, high risk professional liability insurance, and high risk health insurance. At Regal Insurance Brokers, we specialize in identifying and securing the most suitable coverage for your unique circumstances. We diligently compare offerings from top Ontario insurers to ensure you receive the best possible rates for the comprehensive protection you need.
To effectively reduce high risk insurance premiums, consider strategies like improving your risk profile, increasing deductibles, and bundling policies. Regular reviews and approved courses also contribute to lower rates. At Regal Insurance Brokers, we streamline the process by comparing rates from top Ontario insurers, ensuring you receive the best coverage at the most competitive prices. Working with Regal is your most effective route to navigating and securing high risk insurance tailored to your needs.
Find Ontario's Best High Risk Insurance Rates
Denied coverage? At Regal Insurance Brokers, we specialize in securing the most affordable high risk insurance policies from top providers across Ontario. With over 30 years of industry expertise, our deep knowledge and extensive network enable us to find the right coverage for you at a price you can afford. Trust Regal to navigate the complexities of high risk insurance and deliver tailored solutions that meet your needs.
Competitive Quotes
Regal Insurance is your one-stop shop to compare Ontario’s leading high risk insurance providers. Get a comprehensive quote quickly on auto, home, or business insurance. We’ll guide you through details of the coverage to ensure your needs have been taken care of.
No Judgement
At Regal Insurance, we treat every client with respect and understanding, no matter their history. We provide a judgment-free service, focusing on securing the best insurance solutions for you, ensuring your needs are met with empathy and expertise.
Save When You Bundle
You can fulfill all of your insurance needs right here at Regal. Whether you’re looking for home and auto coverage, travel insurance, or you operate a business, we’ll provide you with a package that saves you even more money.
Convenience
Life is busy, we know. That’s why we take every step to make sure our process is fast and easy. We provide digital policy documents, utilize e-signatures and allow online payments.
Comparing High-Risk Insurance Rates From Canada’s Leading Insurance Providers
Get your high-risk insurance quote today!
Connect with our brokers for customized insurance solutions that outdo big providers. Specializing in high-risk insurance, we ensure you receive the right coverage at the best possible price.
High Risk Auto Insurance
High Risk Home Insurance
High-Risk Commercial Insurance
Frequently Asked Questions
High risk insurance typically carries higher premiums than standard insurance policies. This is because high risk insurance is designed to cover individuals or entities that pose a greater likelihood of filing claims, experiencing accidents, or defaulting on payments. However, the exact cost difference can vary based on factors like the type of coverage and the individual’s specific circumstances.
You may need high risk insurance if you have a history of multiple insurance claims, traffic violations, or serious incidents such as DUIs. Additionally, if you have been denied coverage by standard insurers or have a poor credit history, high risk insurance might be your best option for obtaining coverage.
High risk insurance is a category of insurance designed to cover individuals, properties, or businesses that present a higher risk than typical candidates for insurance. This can include drivers with poor driving records, homeowners in areas prone to natural disasters, or businesses in high-liability industries. High risk insurance helps to provide financial protection where standard insurance may not be available.
The most affordable high risk insurance provider in Ontario can vary based on individual needs and risk profiles. However, working with a broker like Regal Insurance can help you find the most competitive rates. Regal Insurance compares quotes from multiple high risk insurers to ensure you receive the best possible coverage at the most affordable price.
Yes, being labelled as high risk can lead to policy cancellation, especially if the risk significantly increases beyond what was initially agreed upon at the time of policy issuance. However, high risk insurance policies are specifically designed to accommodate such risks, providing more stability and assurance of coverage continuity compared to standard policies.
Yes, a vacant or unoccupied home is often considered high risk by insurance companies. These properties are more susceptible to risks such as theft, vandalism, and damage from undetected issues like water leaks. Owners of such properties may need to seek specialized high risk insurance to ensure adequate coverage.
