Speeding ticket 10km over

by nd
(ontario, canada)

My daughter is 18 and class G licenced driver.

She has her own car but insured under us her parents but listed as the primary driver.
She just received a speeding ticket for going 10 km over the speed limit and a 40 dollar fine and 0 demirit points.
Will this effect our insurance once renewal time comes around.
This is her 1st and hopefully last offence.

18 Year Old Daughter and 1st Ticket


Hi there
One ticket will make a small difference in rates (increase - obviously). Two tickets in a three year period will make a big difference and a third could get the policy non renewed (by some insurers).

Tell her to be very conscientious on the roads.

Please be sure to discuss this further with a licensed insurance representative. Oh, and by the way, are your rates too high? Check here:

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Oct 26, 2011
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re: speeding ticket
by: Anonymous

Did you (the parents) or your daughter pay the ticket? Or go to court and try to get it thrown out? If there are especially no demerit points , the insurance increase should be very minor - but YES it will go up and stays on your driving record for 3 years.

Next time, if you can, try to go to court and get the ticket thrown out - especially for a small ticket, it's more likely the cop won't even show up to court and it will get thrown out. It's better to try to reduce the total number of tickets if you can - in one year from now she might get another so who knows.

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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

Please Read

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