If you have had multiple speeding tickets, been involved in multiple at-fault accidents, or you have been charged with a DUI (driving under the influence), you would be considered a high-risk driver for which insurance premiums are much more expensive.
All-Risks Insurance Brokers Limited offers high risk auto policies and will help you regain your status as a low-risk driver and qualify you for standard coverage based off good driving behaviour. If careful driving is not practiced, while on a high risk insurance policy and another accident occurs, the next step will most likely be a loss of license permanently. Safe driving practices should always be taken into consideration while on a high risk policy.
If you are not able to receive/qualify for property insurance due to poor claims experience, no credit experience, payment issues or a non-renewal from previous insurance policy, we are happy to assess your particular situation and find a property insurance policy that will work for you.
Some older homes also hold high risk and in turn require a high risk insurance policy. For example homes with knob and tub wiring and homes that use a wood stove as a primary heat source or have an oil tank
High risk property insurance policies may also come into effect if you reside in an area where natural disasters such as typhoons, hurricanes, earthquakes, flooding, etc. may occur.
Get in touch with one of our experienced brokers to access your situation.