You have just gotten your driver’s license back after it had been suspended for a while and you are having trouble finding an insurer willing to offer automobile coverage? Assurances Multi-Risques would like to give you a few tips in order to help you avoid further insurance problems.


We all make mistakes! We are sure that you have learned a great deal following your recent driver’s license suspension. Now, let’s concentrate on the future. For the coming years, the best way to maintain a reasonably-priced car insurance premium is to rigorously comply with the highway safety code and speed limits. Don’t be surprised if many insurers refuse to insure you following the suspension of your driver’s license. Unfortunately, you will have to live with the consequences of your actions for the next few years and work with an insurer who specializes in cases such as yours. Assurances Multi-Risques strongly advises that you contact a broker in order to facilitate the insurance shopping process and to make sure that you deal with an expert in substandard insurance. Please be honest when you talk to your insurer! Don’t make false declarations or omit to say that your driver’s license has been suspended. If you do, you may be denied payment of future claims.


If you maintain a good insurance record over the next few years, your broker will eventually be able to obtain coverage from a regular insurer, which will automatically decrease your car insurance premium. Before contacting our brokers, ask the Société d’assurance automobile du Québec (SAAQ) to provide you with an up‑to‑date driver’s record as substandard insurers usually ask for such a document before processing a request.


Here are a few tips to reduce your car insurance premium:

– Check with your broker to know how much it will cost you to insure your new vehicle. Your premium is, of course, likely to have gone up following the suspension of your driver’s license;

– Buy a vehicle that is not worth much and lower your coverage in order to reduce your insurance premium;

– Increase your deductibles;

– Ask your broker if you can benefit from telematics (if you wish to use such a tool, of course);

– Drive safely;

– Avoid making small claims in order to better your insurance record. This will help you to go back to a regular insurer in a few years;

– Contact an independent broker who does business with specialized insurers.


Assurances Multi-Risques believes in offering people a second chance! That’s why we urge you to contact a broker who specializes in insurance for drivers who have had their driver’s license suspended. He/she will know how to best help you and will allow you to save both time and money.

Ready, set, go!