Driver's license suspension Insurance solutions after license suspension
Insurance solutions after license suspension
Whether the suspension is due to traffic violations, impaired driving or accumulated demerit points, we're here to help you regain the right insurance coverage.
Our team of experts specializes in finding customized insurance solutions for drivers facing insurability challenges following a license suspension. We work with a network of understanding insurers who evaluate each situation individually, considering your complete driving history and your efforts to improve your driving record.
Whether you're under suspension, waiting for your license to be reactivated, or recently rehabilitated, we're here to guide you to the best insurance options and help you get back on the road with confidence and security.
Top 5 repercussions of a licence suspension in Quebec
- Significant increase in insurance premiums : After a suspension, car insurance premiums can increase by 50% to 200%, depending on the offence's seriousness and the suspension's length.
Covalen tip: We negotiate with specialist insurers to get you the best possible rates despite the suspension. - Transport difficulties and impact on employment : Losing the right to drive can complicate daily commuting, mainly to work, and sometimes can lead to job loss.
Covalen tip: We can guide you towards temporary or alternative insurance options to facilitate your return to driving. - Obligation to attend rehabilitation courses : In many cases, reactivation of the license is conditional on participation in rehabilitation programs, generating additional costs and time.
Covalen tip: We consider your rehabilitation efforts to negotiate better insurance conditions. - Criminal records and long-term impact : Some offences leading to suspension can result in a criminal record, affecting long-term employment and travel opportunities.
Covalen advice: We help you understand the long-term implications and find insurance solutions tailored to your situation. - Administrative complexity and associated costs : Reactivating your license involves complex administrative procedures, reinstatement fees, and sometimes the compulsory installation of an alcohol ignition interlock device.
Covalen tip: Our team will guide you through reactivation and help you find insurance that suits your new situation.
Why choose Covalen after losing your driver's license ?
- Specialized insurance expertise for high-risk drivers
- Partnerships with insurers covering loss-of-license situations
- Customized solutions based on the reasons for suspension and your current situation
- Flexible coverage options to protect your vehicle even if you can't drive it
- Empathetic customer service and advice on how to get back to normal
Our expertise in license suspension insurance
At Covalen, we understand the unique challenges faced by drivers with suspended licenses. Our expertise covers various situations and offers
We offer specialized insurance options for the period when your license is suspended, enabling you to maintain adequate coverage despite the restrictions.
For vehicles immobilized during your suspension, we offer customized coverage that protects your property while minimizing costs.
We develop solutions allowing designated drivers to use your vehicle during your suspension period legally.
We'll advise you on the best options for keeping your vehicle insured, even if you're temporarily unable to drive it.
Until you get your license back, we offer flexible insurance solutions that adapt to your changing situation.
Get a quote for your post-suspension insurance
- Confidential evaluation : Contact Covalen for a discreet, in-depth assessment of your specific situation related to the suspension of your license.
- Detailed explanation : Explain to our expert the circumstances surrounding the suspension of your license. Your honesty will help us help you better.
- Customized options : Receive coverage options carefully tailored to your current situation, considering your suspended license.
- Expert advice : Get practical advice on protecting your vehicle during the suspension period and beyond.
- Informed choice : Choose the solution that best meets your immediate needs while preparing you for your return to normal.
Ready to take back control of your insurability?
Don't wait any longer to get the protection you need and deserve.
Yes, most insurers allow you to maintain a policy during a temporary suspension, but with adjustment.
You can usually add other drivers to your policy, even if you can't drive yourself.
Yes, but you'll probably be considered a high-risk driver and pay higher premiums.
You can usually keep your insurance, but you must inform your insurer and adjust your policy.
Take driving lessons, maintain a clean driving record, and consider a higher deductible.
Driving without a license generally invalidates your insurance. Claims are likely to be denied, and you risk prosecution.
Some insurers specialize in high-risk cases, including those with a history of license suspension.
The impact can last several years, even after your licence is reinstated, depending on the reason for the suspension.
Your premiums will probably increase significantly once your license is reinstated due to the increased risk.
It's crucial to inform your insurer immediately to avoid coverage problems.
Talk to an expert today
Call us today for a free assessment of your insurance needs and find out how we can give you the peace of mind you deserve. We're here to help.
Fill out our online form.
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