Can I still get insured in Ontario after being cancelled?

Yes, brokers who work with non-standard and facility insurers can usually place coverage even after a cancellation, non-renewal, or major claim.

How long does high-risk status last?

It varies by insurer, but many drivers see improved options after one to three years of clean driving and continuous coverage.

Does every broker handle high-risk auto files?

No, some brokerages only work with standard-market insurers, so it's worth asking directly if they place non-standard business.

High-risk and non-standard auto insurance after a cancellation or claim

Drivers who've had a policy cancelled for non-payment, racked up multiple at-fault claims, had a licence suspension, or are newly licensed with a poor record often can't get coverage from mainstream insurers at standard rates. This is a different search than general auto insurance shopping: the buyer has already been declined or non-renewed somewhere and needs a broker who works with facility association or non-standard carriers.

Ask upfront whether the brokerage places business with non-standard or high-risk insurers, since not all shops do.
Bring your cancellation or non-renewal notice and your full claims history (usually available from your prior insurer or a CLEAR report).
Ask about the path back to standard rates, since some brokers will proactively re-shop your file after a clean year or two.

What it costs

Non-standard and high-risk auto insurance carries a real premium over standard rates because the pool of available insurers is smaller and the risk profile is higher. Cost depends heavily on the reason for the high-risk rating (at-fault accidents, suspensions, lapses in coverage) and tends to improve at renewal once a clean record is re-established.

Top 3 by our score

Ranked from our published scoring of public Google reviews for auto insurance.

1. Oracle RMS Insurance
5.0★ · 206 reviews

93
2. INSURANCE BROKER COMMERCIAL PERSONAL LINES STANDARD HIGH RISK Auto, Home, Business, Life - MOE NADEEM, Brokers Trust
5.0★ · 256 reviews

92
3. Mike Chronopoulos Desjardins Insurance Agent
4.9★ · 460 reviews

92

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FAQ

Can I still get insured in Ontario after being cancelled?: Yes, brokers who work with non-standard and facility insurers can usually place coverage even after a cancellation, non-renewal, or major claim.
How long does high-risk status last?: It varies by insurer, but many drivers see improved options after one to three years of clean driving and continuous coverage.
Does every broker handle high-risk auto files?: No, some brokerages only work with standard-market insurers, so it's worth asking directly if they place non-standard business.

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