High-risk insurance, also known as non-standard insurance, is a type of insurance coverage that is offered to policyholders considered to be at a higher risk of filing a claim compared to the average person. The perceived risk could be due to various factors such as their driving record, age, credit history, and more.

For instance, in the context of auto insurance, individuals with multiple traffic violations, DUIs (Driving Under the Influence), or accidents are often considered high-risk. Similarly, new drivers without a driving history may also be considered high-risk due to their lack of experience.

High-risk insurance policies typically come with higher premiums as insurance companies see these policyholders as more likely to result in a payout. High-risk insurance isn't limited to auto insurance, it can also apply to health insurance, home insurance, and life insurance, depending on the individual's situation.