Are you having trouble finding an insurer willing to provide you with auto insurance? Are you aware of the factors that make you appear more risky to an insurer than other customers?

There are several reasons why an insurer may reject your application. This article provides some answers that may help you find car insurance, even if you have a difficult application history.

Too Frequent Claims

It seems like you can’t catch a break: debris damaged the hood of your car on the highway, someone smashed your window and stole everything inside, and to top it all off, you found your car in a parking lot with a missing side mirror!

If you have made multiple claims in recent years, your insurer may consider you a “high-risk” customer and decide that it is not in their best interest to cover you. For this reason, they may refuse to renew your insurance.

Making a claim for every little mishap may not be the best practice to adopt. Not only can frequent claims impact your premium rates, but over time, your insurer may decide that it is not profitable for them to cover you.

It is therefore best to choose wisely which incidents you report to your insurance company. Is it necessary to file a claim for minor windshield damage, for example? On the other hand, don’t neglect to file a claim for significant property damage or even physical injury.

Non-payment of Your Insurance Premium

It may not have been intentional on your part, but simply a prolonged oversight or an inability to pay. The fact remains that you have not paid your insurance premium.

In this case, the insurer will automatically terminate your contract. A note will also appear on your file. This could make it difficult to find another insurer willing to cover you. The same is true after personal bankruptcy or if you have a poor credit history.

A Suspended Driver’s License or Criminal Record

Has your license been suspended as a result of losing points for speeding or dangerous driving? This is considered an increased risk. Your driving behavior has a direct impact on your insurance file, and it may be more difficult to find an insurer willing to cover you.

Have you been convicted of a hit-and-run or impaired driving offense? Do you have a criminal record? If so, you will need to turn to a specialized insurer that accepts high-risk files. The extent of your criminal record will also have an impact on your premium and the coverage offered by your new insurer.

Above all, we emphasize this point: be honest and disclose your criminal history to your insurer. When it comes to insurance, the consequences of a lack of transparency can be very costly. In the event of a claim, you will save yourself a lot of trouble!

Termination of Contract?

Regardless of the cause, your insurer may cancel your insurance contract if your file is deemed too risky.

Since car insurance is mandatory in Quebec, you must have at least civil liability coverage to drive on the road. You will therefore be forced to quickly find another insurer who will accept your file.

In addition, be aware that even a short interruption in insurance coverage can make your search even more difficult. Don’t wait to take action! Be proactive in resolving your situation.

My Insurer Refuses to Insure Me: What Should I Do?

If you are refused, don’t give up. There is always a solution for a difficult insurance case! Some insurers specialize in “non-standard” insurance. However, as there are fewer options available in these situations, you should expect to pay more for your auto insurance policy.

As a last resort, you can contact the Insurance Bureau of Canada. They can help you find car insurance after a cancellation or refusal.

In any case, you should seek professional assistance with the process. This will make it easier for you to obtain insurance and save you a lot of time-consuming procedures!

Having Trouble Getting Insurance?

Finding insurance can be a complex task. This is especially true when dealing with a high-risk case.

If you are having trouble getting insurance, your best bet is to use an independent insurance broker. Like us!

At Assurances Multi-Risques, we have expertise in insurance issues. We know how to develop the best strategies for insuring people with unusual cases.

Our team is here to listen to you and help you find the insurance product that best meets your needs. Our job is to make sure you’re well protected! Doing business with our independent brokers will save you time, money, and a lot of headaches! That’s our job!

Summary:

There are several reasons why an insurer may terminate your auto insurance policy if your profile is considered risky.

Don’t wait to find new coverage. A gap in insurance coverage can make your search even more difficult.

There are insurers that specialize in “non-standard” insurance and are willing to cover difficult cases.

If you are having trouble finding insurance, an independent broker can help you find coverage that is right for your situation.