Pafco Insurance — Auto Specialist for High-Risk Drivers

Pafco Insurance is Canada’s leading specialist in auto insurance for difficult-to-place drivers. If you’ve been refused by standard insurers, if you have a record with accidents or traffic violations, or if your insurance was cancelled, Pafco offers a concrete solution. At AccesDirect, an independent broker certified by the Autorité des marchés financiers (AMF), we work with Pafco to find the best available solution for your situation.

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 solid reputation by offering auto insurance solutions to drivers that standard companies refuse or overcharge. Its national network of independent brokers allows it to reach clients throughout Quebec and other provinces.

Pafco’s expertise lies in its ability to evaluate complex profiles in a nuanced way. Rather than automatically rejecting 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 suitable 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 limited experience and already tarnished record
• Drivers with past conviction — Criminal offense related to driving (impaired driving)
• High-performance vehicle owners — Certain sports cars or modified vehicles refused by standard insurers

Pafco Products Available Through AccesDirect

• High-Risk Driver Auto Insurance — Mandatory liability coverage + extended protection options
• Non-standard All-Risk Insurance — For drivers wanting comprehensive 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 with drivers who have difficult records

The Advantages 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 coverage over time as your record improves
• National presence — Operates in Quebec, Ontario, Alberta and several other provinces
• Partner of certified brokers — Distributes exclusively through independent brokers for professional advice

Why Go Through AccesDirect for Your Pafco Insurance?

Pafco distributes its products exclusively through certified independent brokers. By going through AccesDirect, you benefit from the expertise of a specialized broker who knows all non-standard insurers in the Quebec market. We compare Pafco with Jevco, Echelon and other difficult-market specialists to find the most advantageous solution for you.

Our goal is also to help you return to the standard market as quickly as possible. AccesDirect explains exactly what steps to take to improve your record and return to normal rates in the shortest timeframe.

FAQ — Pafco Insurance for High-Risk Drivers

What is high-risk driver auto insurance?

High-risk driver insurance (also called non-standard or substandard market) is for people whose risk profile exceeds standard insurer criteria. This includes drivers with recent accidents, serious violations, policy cancellations or a history of impaired driving. Pafco is one of Canada’s leading 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 speed up or slow down this process. AccesDirect guides you on the exact steps to improve your record as quickly as possible.

Does Pafco offer all-risk coverage for high-risk drivers?

Yes, Pafco can offer all-risk 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 specific driver profile and vehicle being insured.

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 independent brokers certified by the AMF, 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 classic cars or modified vehicles?

Pafco can insure certain non-standard vehicles, including classic cars or vehicles with modifications, depending on the driver profile and vehicle characteristics. AccesDirect evaluates each application individually and consults Pafco’s current underwriting guidelines.

Can I get a Pafco quote with no commitment?

Yes, AccesDirect offers a completely free and no-commitment Pafco quote. You receive a complete non-standard market comparison and are free to make your decision without pressure. Our service is 100% free for the consumer.

How does AccesDirect help me return to the standard market after Pafco?

Our broker ensures active monitoring of your file. As you approach the window to return 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 check out our pages on high-risk auto insurance, Jevco Insurance, Echelon Insurance and all our partner insurers.