Why does Facility Association exist?
Facility Association is an organization funded
by the private
property and casualty insurance
industry that makes insurance
“higher risk” drivers who wouldn’t otherwise
be able to
All automobiles must be properly insured
before being put on the road. Provincial and
territorial legislation requires insurers to support
Facility Association, because it ensures that
auto insurance is available to all drivers and
vehicle owners who are legally entitled to carry
insurance (that is, drivers and owners with valid
licences and registration).
Facility Association doesn’t issue insurance
policies, but works with specific insurance
companies that issue policies and handle
claims on its behalf.
If you are insured through Facility Association
because of your driving record or accident
history, then each year that you have no
convictions or accidents will help you achieve
a better rate.
(Typically, motor vehicle convictions stay on your
record for three years, and accidents will affect
your driving record for up to six years.)