Impaired driving insurance

I have an impaired driving record. When can I get insurance?

After committing an impaired driving offence (for example, driving under the influence of alcohol or drugs), it can be difficult to find an auto insurance company willing to insure you. Insurance companies generally consider this type of offence to be high-risk, and may refuse to offer you insurance or offer you very high rates.

Driving prohibition periods vary from country to country. In Quebec, for a first offence, the length of license suspension varies from 90 days to 1 year, and may also lead to permanent restrictions on your driving license. It is therefore important to respect these restrictions to avoid problems with your car insurance.

It is therefore advisable to consult a specialized insurance broker for information on the insurance options available after an impaired driving offence. You may have to wait some time after the offence before you can re-insure at reasonable rates.