High-Risk Driver: Definition
There are several aspects that can indicate a driver is a high-risk case, such as age, driving/ticket history, etc. Very often insurers will consider somebody to be a high-risk driver who fits to the following profile: 2 at fault-accidents in the last 10 years or 2 or 3 tickets in the last years.
What Companies Provide Insurance for High-risk Drivers?
As soon as you fall into the category of high-risk driver, many companies will refuse to insure you, especially if you decide to apply for a new policy at a different company. The companies that will insure you will do so at a higher premium. There are also some insurance companies specializing in high-risk auto insurance, called specialty insurance companies. Here are some insurance companies that provide insurance for high-risk drivers:
- Jevco (Kingsway)
- Coachman Insurance
There is also an organization called Facility Association which is “funded by the private property and casualty insurance industry that makes insurance available to “higher risk” drivers who wouldn’t otherwise be able to get insurance”. This association does not issue insurance policies but works with specific insurance companies that issue policies and handle claims on its behalf.
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