Insurance for AIP Members Canada


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As of my last knowledge update in January 2022, AIP could stand for “Automobile Insurance Plan” in the context of insurance in Canada. Automobile Insurance Plans are government-regulated programs designed to ensure that all drivers have access to car insurance, even if they are considered high-risk or have difficulty obtaining coverage in the regular insurance market.

In some provinces, AIPs are also known as Facility Association. Facility Association is an entity established by the insurance industry to provide coverage for high-risk drivers who are unable to obtain insurance through regular channels.

Here’s how it generally works:

  1. High-Risk Drivers:
    • AIPs typically cater to drivers who are considered high-risk due to factors such as a history of accidents, traffic violations, or being a new or young driver.
  2. Mandatory Coverage:
    • While coverage through an AIP may be more expensive, it provides the minimum mandatory coverage required by law.
  3. Government Oversight:
    • AIPs are usually subject to government regulations to ensure fair treatment of high-risk drivers.
  4. Insurance Brokers:
    • High-risk drivers often access AIPs through insurance brokers who specialize in finding coverage for individuals with challenging profiles.
  5. Availability Varies by Province:
    • The structure and availability of AIPs or Facility Association coverage can vary by province in Canada.
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For the most accurate and up-to-date information about AIPs or Facility Association coverage in your specific province, I recommend contacting your provincial insurance regulatory body or speaking with an insurance broker who can provide guidance tailored to your situation.

Remember that insurance information and regulations can change, so it’s crucial to consult with a professional or the relevant authorities for the latest details regarding insurance options for high-risk drivers in your area.


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