Licence Suspensions: What You Need to Know

Thursday May 2, 2019

Category: Insurance | Laws


When it comes to insurance, licence suspensions are considered a serious strike on your driving record. Suspensions are a guaranteed way to get pushed into the high risk insurance category.

You can receive a suspension for serious crimes such as Impaired Driving or non criminal offences such as failure to pay fines.

The top reasons Ontario drivers receive licence suspensions include:

Unpaid Fines

If you have an unpaid fine related to an Ontario Traffic Ticket, your licence can be suspended. And, you can be pulled over for driving while suspended, even if you didn’t receive the notice in the mail. Driving while suspended has even more significant consequences than a suspension alone. Therefore, it’s critical to address any tickets or fines immediately upon receiving them. Do not let a forgotten fine result in a suspension.

Do you owe Child or Spousal Support?

You’re probably wondering what support payments have to do with your drivers licence. You may be surprised to learn that a court can order a licence suspension if you fail to make your child or spousal support payments. Be sure to stay up to do that so that you don’t face an unexpected suspension.

We have outlined just a few of the reasons you can receive a suspension. For a complete list, visit the Ministry of Transportation website.

Roadside Suspensions

A suspension can be received via letter from the Ministry of Transportation, by a court order or at roadside.

In the case of unpaid fines you will receive a letter to notify you of a suspension. In other cases, such as failure to pay child or spousal support, suspensions are typically issued by court order. However, in the case of more serious offences, you could face an immediate roadside suspension.

Roadside suspensions are given in the case of impaired driving, warn range driving, refusing a roadside sobriety test or graduated licensing infractions. If you are convicted of further charges, you will likely receive an additional suspension.

Clearing Your Suspension

To clear your suspension, you will need to pay a reinstatement fee ($275) and meet the requirements provided upon receiving the suspension. The requirements will vary depending on the reason for your suspension.

If your licence was suspended for a medical reason, you will not be required to pay a reinstatement fee.

For more information about how to get your licence reinstated, visit the Ministry of Transportation website.

Do Not Drive While Suspended

A suspension can put you in a difficult spot. Without your licence, getting around can be much more challenging. Even if you need your vehicle for work, it’s critical that you abide by your suspension.

If you are caught driving while suspended, you can face fines of up to $5,000 and up to six months in jail. If your suspension was a result of a Criminal Code violation, such as dangerous driving, you can be fined as much as $25,000 for a first offence and face 10 years in jail. Additionally, if your licence is suspended, you will not be covered in the event of an accident.

The Impact on Your Insurance

Even if your suspension is cleared, your insurance policy is likely to be cancelled or non-renewed by your provider. Drivers with suspensions on their records are considered “too risky” for standard insurance providers. Without insurance, you are not legally allowed to drive your vehicle, even after your suspension is cleared.

A high risk insurance specialist can help you get the insurance you need so that you can get back on the road when your suspension is lifted. It’s a good idea to call a high risk specialist as soon as you receive a suspension.

Expect to Pay More for Insurance

On average, high risk insurance is 25% more than standard insurance. A suspension can affect your insurance for up to 6 years. Therefore, it’s important to speak with a broker to get the best rate possible.

Your Path to Lower Insurance Rates

Just because you have had a suspension on your record, doesn’t mean you’ll be categorized as high risk forever. By practicing good driving habits, you can get back to standard insurance and lower insurance rates.

Are you facing a licence suspension or do you have a suspension on your record? Call Easyway today.

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