Automotive

Demerit Points do not affect Insurance!!

  • Last Updated:
  • Apr 20th, 2017 9:46 am
Member
User avatar
Dec 5, 2005
345 posts
35 upvotes
loonieryan wrote:
Feb 25th, 2015 8:30 am
Which company offers the lowest insurance premium in Brampton, ON? If it helps, I am an Engineer (in case there are discounted rates for Engineers).
Mayoo is correct. Get your P.Eng. We are with The Personal and we pay $259 *9 (SUV+CAR+HOUSE) for the year. So its $2331/year. I believe the engineering society have a group rate with The Personal.
Newbie
Aug 29, 2009
15 posts
toronto
I recently got convicted for a disobey stop sign. How much do you think it will affect my car insurance.
Member
Aug 5, 2012
495 posts
235 upvotes
MISSISSAUGA
paki_dude wrote:
Jul 27th, 2015 12:42 pm
I recently got convicted for a disobey stop sign. How much do you think it will affect my car insurance.
Maximum 15% increase in a year. Some insurance companies will not hike as disobey stop sign is a minor infraction.
"Be kinder than necessary, for everyone you meet is fighting some kind of battle." Plato
Newbie
Aug 29, 2009
15 posts
toronto
vik56in wrote:
Jul 27th, 2015 1:58 pm
Maximum 15% increase in a year. Some insurance companies will not hike as disobey stop sign is a minor infraction.
Does it make a difference that this is my first ticket? So the chance of insurance going up is less.
Member
Aug 5, 2012
495 posts
235 upvotes
MISSISSAUGA
paki_dude wrote:
Jul 27th, 2015 2:28 pm
Does it make a difference that this is my first ticket? So the chance of insurance going up is less.
Yes some insurances ignore your first minor infraction ticket.
"Be kinder than necessary, for everyone you meet is fighting some kind of battle." Plato
Deal Fanatic
User avatar
Aug 11, 2008
7140 posts
490 upvotes
Burlington
there is no set percentage.. some companies don't rate for 1 minor, others remove the conviction free discount
paki_dude wrote:
Jul 27th, 2015 12:42 pm
I recently got convicted for a disobey stop sign. How much do you think it will affect my car insurance.
RIBO LICENCED INSURANCE BROKER(ontario) -OVER 30 YRS OF EXPERIENCE
YOUR BEST INSURANCE IS AN INSURANCE BROKER
All the information provided is for reference purposes only. The actual wordings, conditions and exclusions of your policy will apply.
Newbie
Jul 3, 2007
68 posts
3 upvotes
GTA
I just got a Speeding ticket 70 km in 60 km zone (reduce from 23 km over), $40 fine and 0 demerit point.
I had clear record in past 7 years ie. 0 minor and 0 major. (I have 2 minors more than 7 years ago and had been fall off)
I believe it isn't worth to fight since the officer already reduce to $40 and 0 demerit point. The prosecutors will not likely to drop this charges since it was a speeding and already reduced. If I appeal, then it risk going back to the original amount. Am I correct? Is there any other better option?
My insurance is with TD monnex. Any advice would be highly appreciated, Thanks in advance.
Newbie
Feb 7, 2011
85 posts
6 upvotes
Ottawa
So I got a speeding ticket over the weekend 119 km/h in a 90 km/h, bad timing just finished passing two vehicles but never the less I was speeding. Now I have a clean record have not had a speeding ticket in 10+ years. Would you bother trying to go see the crown and plea your case to try and avoid getting demerit points ? I have no problem paying the fine but I would very much appreciate having the points on my record.

My issue is I received the ticket out of town and it would be about a 2 hrs drive one way to go see the crown. What are the chances from other peoples experience that I could get away with not having the points on my record ?
Deal Expert
User avatar
Apr 21, 2004
36520 posts
7193 upvotes
Minimini wrote:
Aug 2nd, 2015 1:17 pm
I just got a Speeding ticket 70 km in 60 km zone (reduce from 23 km over), $40 fine and 0 demerit point.
I had clear record in past 7 years ie. 0 minor and 0 major. (I have 2 minors more than 7 years ago and had been fall off)
I believe it isn't worth to fight since the officer already reduce to $40 and 0 demerit point. The prosecutors will not likely to drop this charges since it was a speeding and already reduced. If I appeal, then it risk going back to the original amount. Am I correct? Is there any other better option?
My insurance is with TD monnex. Any advice would be highly appreciated, Thanks in advance.
Conviction, which is the factor affecting insurance, is rarely dropped. There likely is no point fighting this if your license /record doesn't get a single demerit point.
Deal Expert
User avatar
Apr 21, 2004
36520 posts
7193 upvotes
If I drive 12-13 km/h over the posted speed limits (except on =<40 km/h zones), am I golden? Doesn't seem to have any conviction for driving less than 14 km/h and over. :)
Newbie
Sep 23, 2015
2 posts
Newmarket, ON
Hi everyone I'm new to this forum :D , I just wanted some suggestion on what to do.

So basically today when I was leaving from my gf house to go to school in the morning to be exact at 8:15 AM I got pulled over by a
cop 200 meters away from her house or 300 ? but I dont know if I can say pull over because he was parked behind the stop sign on the
right hand sign so what basically happened is I have the tendency of driving few meters before putting my seat belt on (which I learned my lesson)
so when I was putting my seat belt on at the same time I saw the officer park there and he saw me and pointed his fingers telling me to park in front
of him and I can tell you for sure there is no way he had clear view of me putting my seat belts because the sun was hitting right through his eyes,
in this case what should I do early resolution or go to trial ? my second and third ticket were fail to have an insurance card because I just had the copy
and not the original and the last one was because my car permit card which is the copy too at the back of it the ticket expired and i just forgot to put the new
one which I have at home.

One more thing when the cop pulls you over do they audio record you ?

Thank You for the help and sorry for the messy writting
Sr. Member
User avatar
Oct 15, 2015
717 posts
425 upvotes
Montreal, QC
"Demerit Points do not affect Insurance" I don't know it and thank you for telling me.
Because the broker always ask me the same question:"Did you get any tickets in the past XX months".
Newbie
Oct 22, 2015
5 posts
Toronto, ON
Is there a difference between a 40km/h over the limit vs 20km/h over the limit insurance wise? Is this still minor?
Deal Fanatic
User avatar
Aug 11, 2008
7140 posts
490 upvotes
Burlington
yes, both minor convictions.
GTEH99 wrote:
Nov 2nd, 2015 3:05 am
Is there a difference between a 40km/h over the limit vs 20km/h over the limit insurance wise? Is this still minor?
RIBO LICENCED INSURANCE BROKER(ontario) -OVER 30 YRS OF EXPERIENCE
YOUR BEST INSURANCE IS AN INSURANCE BROKER
All the information provided is for reference purposes only. The actual wordings, conditions and exclusions of your policy will apply.
Newbie
User avatar
Jun 29, 2015
30 posts
2 upvotes
Unionville, ON
guilly wrote:
Sep 7th, 2015 7:40 pm
So I got a speeding ticket over the weekend 119 km/h in a 90 km/h, bad timing just finished passing two vehicles but never the less I was speeding. Now I have a clean record have not had a speeding ticket in 10+ years. Would you bother trying to go see the crown and plea your case to try and avoid getting demerit points ? I have no problem paying the fine but I would very much appreciate having the points on my record.

My issue is I received the ticket out of town and it would be about a 2 hrs drive one way to go see the crown. What are the chances from other peoples experience that I could get away with not having the points on my record ?
I spoke to Oatley accident benefits specialists about a similar issue and found that t was 100% NOT worth my time to fight it. Luckily the consult cost me nothing, and I avoided a court and wasted work day. Convction is what affects your insurance, and since you aren't getting dinged for any demerits, you should probably just take this one on the chin.
× < >
Rotate image Save Cancel

Top