HIGH RISK AUTO INSURANCE
High-Risk Auto Insurance in London & St. Thomas, Ontario
Finding auto insurance can be challenging if you’ve had tickets, accidents, cancellations, or lapses in coverage. At Kenny Insurance Brokers, we specialize in helping drivers secure high-risk auto insurance in London and St. Thomas.
If you’ve been declined by standard insurers or are facing high premiums, you’re not alone, and you still have options. Our experienced brokers work with insurance companies that specifically offer coverage for high-risk drivers, helping you get back on the road quickly and legally.
What is High-Risk Auto Insurance?
High-risk auto insurance is designed for drivers who may not qualify for standard policies due to their driving history or insurance record.
You may be considered a high-risk driver if you:
- Have multiple traffic tickets
- Have been involved in at-fault accidents
- Have a DUI or major conviction
- Experienced a lapse in insurance coverage
- Have been cancelled or declined by an insurer
- Are a new or inexperienced driver
We help drivers across London and St. Thomas navigate these situations and secure the coverage they need.
How to Lower High-Risk Insurance Costs
While high-risk insurance typically costs more, there are ways to reduce your premiums over time.
We help you explore options such as:
- Maintaining a clean driving record moving forward
- Completing defensive driving programs (when applicable)
- Increasing your deductible
- Bundling other insurance policies
- Reviewing your policy regularly as your risk improves
Over time, many high-risk drivers can transition back to standard insurance markets.
Coverage Options Available
Even as a high-risk driver, you still have access to a range of coverage options:
Liability Coverage
Required in Ontario and protects you if you’re responsible for injury or damage.
Accident Benefits
Provides medical, rehabilitation, and income support after an accident.
Collision Coverage
Covers damage to your vehicle after a collision.
Comprehensive Coverage
Protects against theft, vandalism, fire, and other non-collision events.
We help you choose the right balance between protection and affordability.
If you’re searching for high-risk auto insurance near you, we’re here to help.
Contact Kenny Insurance Brokers today for a confidential, no-obligation quote and get back on the road with confidence.
High Risk Autho Insurance FAQ
Drivers may be considered high-risk if they have multiple tickets, at-fault accidents, a DUI, a lapse in coverage, or have been cancelled or declined by an insurer.
Yes. High-risk insurance providers offer coverage options for drivers who have been cancelled or refused by standard insurers.
Higher premiums reflect increased risk based on driving history, claims, or other underwriting factors.
This depends on your driving record. Many drivers can return to standard insurance after maintaining a clean record for several years.
Yes. Improving your driving record, increasing deductibles, and reviewing your policy regularly can help reduce premiums over time.
In many cases, coverage can be arranged the same day once your information is submitted.
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