Ticket without Demerit points

by chuck
(Oshawa, Ontario)

I have gotten 2 tickets in the last three years one 8km over the other was 12 km over lost no points but my insurance went up 400 dollars and i went from a7 to a5 in my status as a driver. since i have lost no points can they raise my insurance and lower my rating?


Tickets and Insurance Rates


Hi Chuck,
Good question, it comes up frequently. Yes, your insurance can go up for two tickets with no demerit points.

The demerit points are for your licensing and do not tie into the insurance rating.

It is a surprise that your driving record was changed (perhaps the question isn't understood completely). That generally occurs when you have an accident (goes to 0). That aside, two tickets within three years is taken quite seriously by the insurers.

The other element is that auto insurance rates in Ontario have climbed substantially in the past two years.

Be very cautious not to get a third ticket while the other two are on your record. Three tickets in three years is a reason to not renew a policy with many insurers. Only higher risk carriers accept that at a much higher premium.

Hope that helps

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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

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