Canadians are no strangers to commuting. Living in such a vast country, Canadians often rely on cars as part of daily life. From daily urban trips to multi-day road trips, there is much to explore. Canada's road network spans almost 900,000 kilometres — longer than a round trip to the moon.
Even when following all safety rules, accidents can still happen. In Canada, there are 160,000 car accidents each year. Depending on where you live, Canadian weather can play a role — snow, slush and black ice are major contributors to accidents in winter months.
When Accidents Happen
Collisions or neglecting safety rules can be the result of as little as a two-second lapse in alertness. While driving tired or upset is discouraged, people sometimes do it anyway. This is why accidents can happen to anyone. When multiple traffic violations or collisions occur, however, the driver can be considered “high risk” by insurers.
When a driver accumulates multiple traffic violations or accidents in a short period of time, insurance companies assume the trend could continue. As a result, highrisk drivers end up paying higher premiums. This can be frustrating and expensive — the good news is that it doesn’t have to last forever. Our Easyway Insurance Brokers team is here to help.
Our Approach to High-Risk Auto Insurance
We understand through our clients how difficult this time is. Our insurance specialists take a non-judgmental approach by actively listening to concerns while finding the right rates. We’re here to guide our clients through this time and walk them back to lower rates in the future.
Walking You Back to Lower Rates
After your high-risk period ends, we advocate on your behalf to transition you back to the standard auto insurance market. Here are a few of the benefits of staying with NFP, especially after your high-risk period ends:
1. Easier access to standard insurance rates.
Our team of specialists is dedicated to transitioning you back to standard auto insurance providers. Having worked with you and built a trusted relationship, we are well-positioned to advocate for you to find the rate that works for you as you recover from the high-risk period.
2. Save up to 20% with our group programs.
Whether you’re an alumnus or employee, NFP has hundreds of group programs set up with your local school, employer or professional association. Simply let your insurance broker know where you went to school, where you work or which association(s) you belong to, and they will check if you qualify for a group program.
3. Confidence in an insurance partner.
When choosing to go with an insurance broker, you’re choosing a trusted partner to protect your home, car, cottage, boat, pets, trips and so much more. We have knowledgeable experts
in every industry who know the right questions to ask and can provide a tailored solution. It’s coverage for only what you need with rates that work for you.
No one plans to become a high-risk driver, but it doesn’t have to define your future. Once your high risk period ends, you can return to the standard insurance market — often with a greater awareness of safe driving habits. The experience can serve as a valuable lesson and a reminder to prioritize road safety for yourself and those around you.
Are you nearing the end of your high-risk auto insurance term?
Speak to your insurance broker to discuss the options available to you.