Underwriting rules must be filed
Insurers use approved rules to decline, non-renew or restrict coverage.
Facility Association can be part of the market
Drivers who cannot obtain coverage in the regular market may be placed through residual-market mechanisms.
Accurate information matters
Trying to hide cancellations, convictions or drivers can make the situation worse.
Improvement takes time
A cleaner payment and driving history can change eligibility over time.
Ontario-specific educational summary. Your actual rights and coverage come from the Insurance Act, regulations, the current Ontario Automobile Policy (OAP 1), your certificate, endorsements and the facts of the claim. Do not change coverage based only on a general web article.