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This is the cream of the crop and desired by every standard insurer in Canada. These are individuals with extensive experience and spotless insurance records. If you meet this criteria, you will never have an issue finding insurance. Preferred customers are rewarded with the lowest rates in the market, as they pose the least risk to any insurer.

A standard policy provides conventional coverage for drivers considered low-risk by insurance companies. They have minimal to incident-free driving histories, drive moderate cars (i.e. not supercars), and as a result can qualify for affordable car insurance rates from any of the "big name" insurance companies - Aviva, Wawanesa, Economical, SGI, Travelers etc.

If you're ever been denied insurance coverage or issued a non-renewal, it's possible you'll need to seek a non-standard insurance policy. This market is reserved for high-risk drivers & homeowners. The policies are more expensive due to the increased liability high-risk customers represent to the insurance company. The level of coverage will vary from insurer to insurer, but a high-risk customer will still be able to get basic protection, they will just have to pay significantly more for it.