Automotive

Demerit Points do not affect Insurance!!

  • Last Updated:
  • Nov 5th, 2017 1:15 am
Deal Addict
Jul 21, 2001
3784 posts
193 upvotes
Calgary
What is common practice amongst insurance companies, once you are theor existing customer, how often do they request or pull your drivers abstract? I don't recall rbc or TD ever asking and I've been with them a good 5-10 years previously. I do have a couple of tickets from this year, but my new insurance renewal papers indicate the rate is pretty much unchanged.
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Aug 11, 2008
7430 posts
644 upvotes
Burlington
on average ev 3 years unless there is something on your policy that warrants one sooner
plucky duck wrote:
Oct 23rd, 2016 9:26 am
What is common practice amongst insurance companies, once you are theor existing customer, how often do they request or pull your drivers abstract? I don't recall rbc or TD ever asking and I've been with them a good 5-10 years previously. I do have a couple of tickets from this year, but my new insurance renewal papers indicate the rate is pretty much unchanged.
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
May 16, 2015
56 posts
1 upvote
Toronto
hi i got my first speeding ticket 90km over 60. how much gonna cost on my insurance for this? thankyou
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Aug 27, 2014
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Canuckland
Dominap wrote:
Mar 19th, 2017 8:26 am
hi i got my first speeding ticket 90km over 60. how much gonna cost on my insurance for this? thankyou
Go ask your insurance company in an anonymous call. There is no way to find out as everyone insurance has a different policy and everyone is different.
Member
Jan 17, 2009
316 posts
16 upvotes
Toronto
So, in summary, getting a moving violation ticket, i.e. speeding; running stop sign, etc. and NOT getting it dropped, means that it WILL MOST LIKELY affect your insurance. Correct?
Unless you somehow get off, that conviction even with zero demerit points, it will be something counted against you.
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Aug 11, 2008
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Burlington
as will a seatbelt conviction, expired plate sticker, not carrying your insurance slip....
hshot_rooke wrote:
Apr 18th, 2017 4:29 pm
So, in summary, getting a moving violation ticket, i.e. speeding; running stop sign, etc. and NOT getting it dropped, means that it WILL MOST LIKELY affect your insurance. Correct?
Unless you somehow get off, that conviction even with zero demerit points, it will be something counted against you.
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.
Member
Jan 17, 2009
316 posts
16 upvotes
Toronto
COSMIC5 wrote:
Apr 20th, 2017 9:37 am
as will a seatbelt conviction, expired plate sticker, not carrying your insurance slip....
Basically any moving violation....
Newbie
Jul 3, 2017
2 posts
I just got speeding ticket 114 km/hr on 80 km/hr zone, and fined $ 256 PLUS 4 demerit point at location(HWY 10) close to Owen sound at Grey county, Ontario. I have Allstate as my insurance

I have clean records with no violation in the last 10 years and this is my first violation in the last 10 years
I wonder if somebody can help me with information regarding
1. is this 34 km/hr over the limit a major or minor offence from ALLSTATE point of view
2. I live about 3 hr away from Owen sound, is it worth while to fight to get reduction of my point to reduce the possibility on insurance increase
3. I wonder if somebody will know if OPP has more tendency to show up at the court at Owen sound court
4. Can somebody inform me how tough or lenient the Owen sound court for speeding ticket... i.e. How much reduction would I expect to have for the above offence

Thank you so much for your input
Newbie
Jul 12, 2017
1 posts
Hi, I just have some questions regarding speeding ticket, insurance and driver's license. I live in Alberta but just got a speeding ticket in BC on highway 3A last Friday July 7th 2017. This is the first time I get an "out of province ticket". I am about to change my insurance from Economical to TD Insurance. I haven't gotten any ticket since April 2014 (that ticket was in AB), and I haven't paid this recent ticket. My first question will be:

1.-If I get my insurance policy next week (by July 18th or so) can I still get away from the insurance knowing that I just got a speeding ticket and don't hike my premium right away, at least for this year? That ticket will impact me next year when I renew the auto policy, is that right?

2.-This being an out of province ticket, do I have any chance fighting it? This will likely mean I will have to go to court in Penticton, BC. If so, is there any lawyer or defense ticket company in Alberta that might help me? Or do I need one from BC?

Has anyone have dealt with out of province tickets. Specifically, speeding ticket in BC with an Alberta driver's License?

Any comments or inputs are appreciated. Thank you all.
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Aug 11, 2008
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Burlington
its a minor conviction with all companies
jefrkw wrote:
Jul 4th, 2017 11:34 pm
I just got speeding ticket 114 km/hr on 80 km/hr zone, and fined $ 256 PLUS 4 demerit point at location(HWY 10) close to Owen sound at Grey county, Ontario. I have Allstate as my insurance

I have clean records with no violation in the last 10 years and this is my first violation in the last 10 years
I wonder if somebody can help me with information regarding
1. is this 34 km/hr over the limit a major or minor offence from ALLSTATE point of view
2. I live about 3 hr away from Owen sound, is it worth while to fight to get reduction of my point to reduce the possibility on insurance increase
3. I wonder if somebody will know if OPP has more tendency to show up at the court at Owen sound court
4. Can somebody inform me how tough or lenient the Owen sound court for speeding ticket... i.e. How much reduction would I expect to have for the above offence

Thank you so much for your input
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.
Deal Expert
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Apr 21, 2004
40869 posts
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Aside from a school zone, has anybody been pulled over for traveling 10 km/h over the posted speed limit?
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Aug 11, 2008
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Burlington
I've seen convictions for 5klm over the posted speed limit...

alanbrenton wrote:
Jul 14th, 2017 4:20 pm
Aside from a school zone, has anybody been pulled over for traveling 10 km/h over the posted speed limit?
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.
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Apr 21, 2004
40869 posts
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COSMIC5 wrote:
Jul 17th, 2017 11:41 am
I've seen convictions for 5klm over the posted speed limit...
But a lot of these are toned-down speeding tickets, 10-20 below what people were doing, correct?
Deal Fanatic
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Aug 11, 2008
7430 posts
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Burlington
I had a client that it was actually 5klm over, no write down... unbelieveable eh
I would assume that some would be taken down to 10/20 from a higher number over

alanbrenton wrote:
Jul 17th, 2017 11:51 am
But a lot of these are toned-down speeding tickets, 10-20 below what people were doing, correct?
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.

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