This is because insurance businesses know that motor vehicle accidents are the main cause of death among young people, due largely to fast speed and the presence of alcohol. For older drivers, (65 and over) driving can denote to an insurance firm the beginnings of underlying cognitive degeneration. The parts of the application that are looked at very thoroughly if the applicant falls in those groups are:
1. How old is the applicant?
2. Categories of violations.
3. How many Driving Under the Influence Charges?
4. Any other driving misdemeanours and how many?
5. Did you have an driving accident and if so, how many?
6. Does the individual go 'all weather terrain' driving or any related high risk hobbies?
The types of violation and how many the individual has had will be examined carefully by the underwriters. Drivers with these type of offenses could see their application taking an long time to process, so the applicant needs to give and prove as much information as they can.
Six months after suspension must have lapsed after a DUI offence for the application to be looked at. If there are other violations as well as the DUI then this time is increased to one year. Standard premiums would be given if the individual only has a few minor violations. An additional premium would be levied for 3 years or more, this would work out at approximately $2.50 to $5.00 per $1000 of cover needed. Many DUI's are an inevitable fail.
Getting Canada life insurance is a complicated process. Don't neglect any part of the process!