Pafco Insurance — Auto Specialist for High-Risk Drivers
Pafco Insurance is Canada’s specialist in auto insurance for drivers with difficult profiles. If you’ve been refused by standard insurers, if your record includes accidents or traffic violations, or if your insurance was cancelled, Pafco offers a concrete solution. Through AccesDirect — a comparison tool operated by the AccesDirect brokerage firm, we work with Pafco to find the best available solution for your situation.
Compare your Pafco insurance now
AccesDirect compares Pafco Insurance with the best non-standard insurers to find you the best rate even with a difficult record.
Who is Pafco Insurance?
Pafco Insurance (formerly known as Pembridge Insurance) is an insurance company specializing in the non-standard market across Canada. It has built a strong reputation by offering auto insurance solutions to drivers that standard companies refuse or overcharge. Its national network of independent brokers allows it to reach customers throughout Quebec and other provinces.
Pafco’s specialization lies in its ability to evaluate complex profiles thoughtfully. Rather than automatically refusing any file with a history, Pafco analyzes each situation individually and proposes coverage tailored to the actual level of risk — often at more accessible prices than the few standard insurers who would accept the same client.
Who should consider Pafco Insurance?
Pafco is particularly suited for the following profiles:
- Drivers with recent accidents — One or more at-fault accidents in the last 3-6 years
- Drivers with traffic violations — Speeding, dangerous driving, high demerit points
- Cancelled policies — Policy cancelled for non-payment or unacceptable risk by previous insurer
- At-risk new drivers — Young drivers with little experience and already-compromised record
- Drivers with prior conviction — Criminal offense related to driving (impaired driving)
- High-performance vehicle owners — Certain sports cars or modified vehicles refused by standard companies
Pafco Products Available via AccesDirect
- High-risk driver auto insurance — Mandatory liability coverage + extended protection options
- Non-standard comprehensive insurance — For drivers who want complete protection despite their record
- Progressive standard auto insurance — Program allowing return to standard market after 3 years of clean driving
- Non-standard fleet insurance — For businesses where some drivers have difficult records
The Benefits of Pafco Insurance
- Acceptance of difficult profiles — Concrete solution when other insurers refuse
- Individual analysis — Each file is evaluated on its own merits, not rigid criteria
- Progressive coverage — Ability to improve your coverage over time as your record improves
- National presence — Operates in Quebec, Ontario, Alberta and several other provinces
- Certified broker partner — Distributes exclusively through independent brokers for professional advice
Why use AccesDirect for your Pafco insurance?
Pafco distributes its products exclusively through certified independent brokers. By using AccesDirect, you benefit from a specialized broker who knows all the non-standard insurers in the Quebec market. We compare Pafco with Jevco, Echelon and other difficult-market specialists to find you the most advantageous solution.
Our goal is also to help you return to the standard market as quickly as possible. AccesDirect explains exactly what actions to take to improve your record and return to normal rates in the shortest timeframe.
Your second chance in auto insurance — Pafco via AccesDirect
Difficult record? Accidents? Cancellation? AccesDirect finds a solution with Pafco and non-standard specialists in Quebec.
FAQ — Pafco Insurance for High-Risk Drivers
What is high-risk driver auto insurance?
High-risk driver insurance (also called non-standard or sub-standard market) is for people whose risk profile exceeds standard insurer criteria. This includes drivers with recent accidents, serious violations, cancelled policies or a history of impaired driving. Pafco is one of Canada’s specialists in this market.
How long do you stay in the non-standard market with Pafco?
Generally, a driver can expect to return to the standard market after 3 years of incident-free driving following their last violation or at-fault accident. Some factors can accelerate or slow this process. AccesDirect guides you on the exact steps to improve your record as quickly as possible.
Does Pafco offer comprehensive coverage for high-risk drivers?
Yes, Pafco can offer comprehensive coverage (collision + other coverage) for high-risk drivers, although deductibles may be higher and premiums greater than for a standard driver. The availability of this coverage depends on the driver’s specific profile and the insured vehicle.
My insurance was cancelled — can Pafco insure me?
Yes, this is one of Pafco’s specialties. A policy cancellation (for non-payment, misrepresentation or unacceptable risk) is one of the most common reasons drivers come to Pafco. AccesDirect can submit your file and obtain a quote even in this situation.
Is Pafco available everywhere in Quebec?
Yes, Pafco operates in all regions of Quebec through its network of certified independent brokers, including AccesDirect. Whether you’re in Montreal, Quebec City, Abitibi or Gaspésie, we can get you a Pafco quote.
Are Pafco premiums much more expensive than standard insurers?
Yes, non-standard premiums are generally higher to reflect increased risk. However, Pafco is often one of the least expensive options among available non-standard insurers. AccesDirect compares several insurers in this category to find the best price for your profile.
Can a young driver be insured with Pafco?
Yes, Pafco accepts young drivers, including those with little experience or an already difficult record. Premiums will be higher, but Pafco offers a solution where others refuse. Over time and with careful driving, the driver can move to the standard market.
Does Pafco insure collector vehicles or modified cars?
Pafco can insure certain non-standard vehicles, including collector cars or vehicles with modifications, depending on the driver’s profile and vehicle characteristics. AccesDirect evaluates each request individually and consults Pafco’s current underwriting guidelines.
Can I get a Pafco quote with no obligation?
Yes, AccesDirect offers a completely free Pafco quote with no obligation. You receive a complete comparison of the non-standard market and are free to make your decision without pressure. Our service is 100% free to consumers.
How does AccesDirect help me return to the standard market after Pafco?
Our broker ensures active follow-up of your file. As you approach the window for returning to the standard market (usually 3 years after your last violation), we proactively initiate a standard market comparison to present you with the best available options and help you save substantially on your premiums.
Get Your Pafco Insurance Quote Now
Fill out the form below to receive a quote including Pafco and other non-standard market specialists in Quebec. Also consult our pages on high-risk auto insurance, Jevco Insurance, Echelon Insurance and all our partner insurers.
Difficult record? Pafco can insure you — AccesDirect compares for you
Certified independent broker — AccesDirect compares Pafco and all available non-standard insurers in Quebec.