There is there is no such animal. There are only five high risk insurance companies in Ontario, so working with a broker that has all five makes it really efficient for you because then you can get the entire market view of what’s best. It will all be dependent on your situation: what car do you drive; how is your record; what are your tickets; and how much are you driving, and in which city. Answers to those questions will decide which company is best for you. On top of that, those companies will go through restructuring and different strategies and events, so that answer, even for you as an individual, could change. To best navigate the high-risk space it’s best to work with a broker that has all five high risk insurance companies. It’s like trying to pick the one stock that’s going to be the best in the stock market: it’s never going to be the best forever.