In Ontario, high-risk car insurance is required for drivers who have a poor driving record, multiple traffic violations, accidents, or who have been convicted of serious offenses like DUI. To obtain high-risk insurance, individuals must first receive a notice from their insurance company or the Ministry of Transportation indicating they may be classified as high-risk. Drivers must provide details about their driving history, including previous claims and convictions. High-risk insurers often require drivers to complete an underwriting process, which may include a review of their credit history and driving habits. Additionally, high-risk drivers might face higher premiums due to their perceived risk level. It’s important for these individuals to shop around, as rates can vary significantly between insurance providers, and some companies specialize in insuring high-risk drivers. Lastly, maintaining a clean driving record over time can lead to lower premiums in the future.