Automotive

Demerit Points do not affect Insurance!!

  • Last Updated:
  • May 11th, 2017 9:18 pm
Deal Addict
Jul 21, 2001
3654 posts
152 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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Deal Fanatic
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Aug 11, 2008
7150 posts
495 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
54 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
3483 posts
815 upvotes
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
284 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
7150 posts
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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
284 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....
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