Demerit Points In Ontario
When you first get your license in Ontario, you start off with zero demerit points. Your goal is to always strive for having zero, but mistakes and accidents do occur, which can cause your points to increase incrementally. Each traffic violation has a set number of demerit points attached to it and can increase depending on the severity of the infraction.
Demerit points will stay on your driving record for two years and do not directly affect your car insurance. With that said, your insurance premium will be affected by the amount of tickets you receive.
How Do Demerit Points Work In Ontario?
Every traffic infraction may carry 1 to 7 demerit points. As an example, you will receive three points if you are caught speeding between 16 to 29 km/h over the speed limit and six demerit points if you are caught driving 50+ km/h over the speed limit.
If you are a driver with a full G license and you gain 15 or more demerit points within two years, your license will be suspended for 30 days and your driver’s license will be revoked.
If you are a new driver with a G1 or G2 class license, you will have less runway when it comes to demerit points and can affect when you can qualify for a full G license. If you receive eight demerit points under this type of license, it can get suspended. You will also need to do an interview with the Ministry of Transportation to tell them why they shouldn’t suspend your license. If you get nine points, your license will be suspended for 60 days and you must mail it to the Ministry of Transportation. If you fail to mail in your license, you will face a two-year suspension.
Do Demerit Points Affect My Car Insurance In Ontario?
If you have a few points on your license, your insurance premiums will not be affected. If you are looking for new insurance and still have demerit points, it’s most likely that the new insurance company won’t base your premium on the few points that you have. With that being said, if your license has been suspended due to the number of points you have accumulated, your premium will likely be higher.
If you receive too many traffic tickets, your insurance may perform a non-renewal, which means that your insurance company has deemed you too high risk for them to insure. If this happens, you will have to apply for high-risk car insurance.
Will Out of Province Tickets Affect My License?
If you get pulled over in a different province or in the States, the demerit points you receive will stick with you.
If you have any further questions about demerit points and how it may affect your insurance premium, call the experts at isure insurance. We help our clients find the best auto insurance rates in Ontario including Ottawa, Mississauga, and Toronto, and make sense of what kind of insurance they are buying. Get a quote online or call us at 1-877-514-7873!
Tags: Auto Insurance