Who is a High Risk Driver?

In Medicine Hat, high-risk drivers are defined as individuals who have had:

• 3 + at-fault accidents in the past 6 years.
• 5 + traffic convictions in the last 3 years.
• A major or criminal code conviction (e.g.  DUI).

When you’re categorized as a high-risk driver, you may find it difficult to find insurance coverage. We’re here to help you find insurance that best suits your needs.

Our brokers will give you advice on how you can improve your driving record to help reduce your rates.

Improve Your Record

Medicine Hat insurance rates are heavily dependent on an individual’s driving record and experience.

If you have had several accidents, it may take up to six years to clear your driving record, depending on when you experienced your accident.

Convictions only stay on your record for three years; after that period, it completely disappears from your driver’s report, and you can benefit from better rates.

Accurate Quotes

When you’ve had a few accidents or convictions on your record, it’s a good idea to disclose everything you can remember in order to receive the most accurate premium.

A copy of your driver’s abstract and claims experience letter may be requested, especially if you’ve lived out of Alberta.

Our brokers will do everything they can to research and work on your behalf to find you rates that are within your budget.