Stop collecting every ticket since 1998 for high-risk auto

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

What documents do high-risk Ontario auto files actually need?

Typically a current driver’s abstract (the type your market orders), signed application with accurate disclosure, prior dec or lapse proof, garaging details, payment agreement if required — per MGA and carrier grid.

Should clients upload old conviction paperwork?

Only when the carrier or MGA requires supporting docs beyond the abstract. Otherwise you create QC noise and client fatigue.

How long does Ontario show convictions on a common abstract?

ServiceOntario’s common 3-year driver record covers recent convictions, suspensions, and reinstatements for that window. Separate products (including driver’s licence history) show different fields. Insurer rating lookbacks can differ — confirm the market.

How does checklist intake help high-risk?

Named lines match MGA submission — reject unrelated uploads instead of letting email dumps hide a missing abstract.

Does Hivi-X place high-risk business?

No. Hivi-X collects and QC’s documents. Placement stays with licensed producers.

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