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07.30.2016 | Driving Tips

Get to Know Your Ontario Driving Record

Your driving record provides insurers an overview of your driving history and helps them assess your risk as a driver. Depending on your driving history, you will either be eligible for standard insurance or require a non-standard insurer that specializes in High Risk drivers.

Understanding the different types of driving offenses insurers use to evaluate your driving record can better equip you as a driver to get the best possible rates for your insurance.

Insurance providers in Ontario us three classifications for traffic offenses; Minor, Major and Serious Offenses. Each type of offense can impact your insurance premium and can result in being categorized as a High Risk driver.

While it’s no surprise that Major and Serious convictions can cause dramatic increases to your insurance, minor tickets should not be disregarded. Especially if you’ve had multiple convictions, even minor offenses can result in insurance increases, cancellations or non-renewal.

On average, a conviction can affect your insurance for up to 3 years. For the most serious infractions, such as Impaired Driving, your insurance can be affected for as many as 5 years. While a single minor infraction won’t likely affect your rates, if you have multiple minor or fewer but more significant tickets, you will likely fall into the High Risk category.

To get back to standard insurance and more affordable rates, obey the law and practice safe driving.

Minor Tickets

  • Crowding Driver’s Seat
  • Defective Brakes
  • Driver’s Licence Violations
  • Failing To Share The Road
  • Failing To Signal
  • Failure To Use Seatbelts
  • Failing To Yield
  • Failing To Yield To A Pedestrian
  • Failure To Surrender Your Licence
  • Failure To Produce Evidence Of Insurance
  • Failure To Produce Or Carry Insurance Card
  • Following Too Closely
  • Headlight Offenses
  • Improper Driving In A Bus Lane
  • Improper Lane Change
  • Improper Opening Of Door
  • Improper Passing
  • Improper Towing
  • Improper Turn
  • Improper Use Of Divided Highway
  • Insecure Load
  • Obstructing Traffic
  • Overloading
  • Use Of Radar Warning Device
  • Improper Railway Crossing
  • Speeding
  • Stop Sign Infraction
  • Traffic Light Infraction
  • Trailer Passenger
  • Unnecessary Noise
  • Unnecessary Slow Driving
  • Unsafe Move
  • Unsafe Or Prohibited Turn
  • Unsafe Vehicle
  • View Obstructed
  • Wrong Way On One Way
  • Obstruction Of View
  • Obstruction Of Licence Plate
  • Driving without an up to date Inspection Sticker

Major Tickets

  • Speeding 60 mph over posted speed limit (or set limit in your province)
  • Failing To Report An Accident
  • Failure To Report Damage To Highway Property
  • All Insurance Offenses
  • False Statement Of Insurance
  • Operating Motor Vehicle With No Insurance
  • Driving Without Insurance
  • Produce False Evidence
  • Driving In Contravention Of Restrictions
  • School Zone, Improper Passing Zone
  • School Bus, Improper Passing, Fail To Stop
  • Speeding in a construction zone is double the fines and points

Serious (Criminal) Tickets

  • Driving Impaired, Blood Alcohol Over .08 (or set limit in your province)
  • Careless Driving; Undue Care Or Attention
  • Criminal Negligence
  • Dangerous Driving
  • Driving While Under Suspension
  • Failing To Obey Police
  • Failing To Remain At An Accident Scene
  • Motor Manslaughter
  • Racing
  • Refuse Breathalyzer
  • Stunting / Drag Racing
  • All Serious Convictions; Can Be Unspecified

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