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ticketed in another province

by Petra
(Toronto)

I got a ticket four years ago in another province. It was for going 20km over the speed limit, but in that province they automatically suspend your license for a week in addition to the fine. (Honest, that's all that I was doing!) I know the insurance companies stop considering speeding tickets after three years, but they ask about suspensions in the last six years. Is this relatively minor offence really the kind of suspension they are referring to? The penalty in Ontario would not have included a suspension, so does that information matter here to insurance companies?

Suspension


Hi Petra,

The way the question is asked, you are supposed to disclose it. It is unlikely that anyone would ever discover it. But you are supposed to disclose ...

That said, a suspension of less than one year is not supposed to affect rates.

Hope that helps! Please be sure to discuss this further with your insurer. Oh, and by the way, are your rates too high? Check here:

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Note: 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. 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. Make sure you review the "please read" page.

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