The length of time you’ll be considered high-risk depends on the nature and severity of the incidents on your record. Generally:

• Minor traffic convictions (e.g., speeding under 15 km/h over the limit) remain on your record for 3 years.
• Serious convictions (e.g., impaired driving, careless driving) may stay for 6 years or longer.
• At-fault accidents usually impact your rates for 6 years.

During this period, insurers will evaluate your history when setting your premiums. As time passes and your record improves, your high-risk label will eventually be removed, and you can return to standard insurance rates.

Aaxel Insurance Brokers assists clients in mapping out a plan to regain standard status faster. This may include:

• Taking approved defensive driving courses
• Avoiding further infractions and claims
• Maintaining continuous insurance coverage without lapses
• Choosing a vehicle with lower insurance risk ratings

In some cases, our brokers can find specialty insurers willing to offer better rates before the full high-risk term is over. We also track your record over time, so we know exactly when to re-shop your coverage to secure better pricing.

Being high-risk is temporary if you’re proactive — and with the right broker, you can shorten that timeline.