Hey everyone,
I'm 22 years old, hold a full G licence in Ontario, and I'm looking for some direction on finding the right insurance broker for my situation.
My driving record isn't clean — I have a few convictions and a couple of licence suspensions over the past couple of years, so I'm firmly in the non-standard/high-risk market. I also recently filed a consumer proposal, which I know adds another layer of complexity when it comes to finances.
The main wall I'm hitting right now is the upfront payment requirement. Most high-risk insurers want a minimum of 6 months paid upfront, and that lump sum just isn't realistic for me right now.
That said, my situation has genuinely stabilized. I have a steady source of income now, and since the consumer proposal, my monthly obligations have dropped significantly — I can absolutely handle regular monthly payments, I just can't absorb a large lump sum all at once.
**What I'm specifically looking for:**
- Brokers or brokerages in Ontario that specialize in high-risk drivers and are used to working with clients in situations like mine
- Brokers who are partnered with premium financing companies or agencies, or who can otherwise help finance the premium so it's spread out over monthly payments instead of a big upfront amount
- Any personal referrals or experiences from people who've been in a similar spot
Not looking for a lecture — just trying to find a broker who actually has the tools and relationships to help rather than just turning me away at the door.
DMs welcome if you'd rather not post publicly. Thanks in advance.