Demerit Points do not affect Insurance!!

  • Last Updated:
  • Mar 6th, 2018 12:04 am
Nov 28, 2006
458 posts
Red light cameras should not affect your insurance rates
You're in good hands
Deal Fanatic
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Aug 11, 2008
7646 posts
they don't
tchoke wrote:
Feb 3rd, 2018 6:54 am
Red light cameras should not affect your insurance rates
RIBO LICENCED INSURANCE BROKER, over 30 years experience
Jun 7, 2017
29 posts
ctrueman82 wrote:
Jul 29th, 2017 8:09 pm
This assumes you`ll fight it in court/meet to reduce:

The ticket won't show up until you`re convicted. You aren't obligated to disclose this to insurance yet because you haven't been found guilty. So if you get a new policy before your conviction they won't see it until they pull your record which may not be a few years from now.
Problem is it was a accident and ticket for "unsafe left turn" it was my fault... Im thinking when they renew they will pull tickets for sure.
Jr. Member
Mar 13, 2017
155 posts
I am with Johnson Insurance. On average how much will my premiums increase from a 2nd speeding ticket in a 3ish year period? I got a speeding ticket, 15 over, in June of 2015 and my premiums actually decreased. I just got another now, 17 over. But I will fight it.

I suppose I'm in for an increase now. But how much on average? I know you can't give me an exact amount. Since it has been almost 3 years, will this impact anything? Or am I screwed for the next 3 years?
Deal Expert
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Apr 21, 2004
43876 posts
I think there was a police car on Bronte road in Oakville while I was doing 70 on a 60 and I forgot to slow down but the officer didn't seem to care, lol.

It was a unmarked vehicle but I'm 90% sure it was a police car because I saw those sirens/flashers.

Next time I should slow down to 65 just in case.
User avatar
Nov 3, 2017
88 posts
I got a ticket in Markham for turning left at an intersection when left turn is not allowed between 7-9am. Got fined $110 and 2 demerit points. I chose to go to trial because I thought demerit points would affect my insurance premium.

It's set for near the of this year. Going to trial I don't even know how to fight it, in fact my intention was just hoping to tell them I hardly ever drive during peak hours and so I wasn't aware of that, hoping that they will change it to 0 points, but from what I read here, saying convictions will affect insurance premiums but demerit points won't?

Now if I go to trial, if police shows up and I have to plead guilty, does that mean it's a conviction and will affect my insurance premium? So should I go to trial or not and just pay the fine now? Which is better in terms of not affecting my insurance premium?

Also, when I went to the court office last time, they said I can either choose to talk to someone there and possibly get a reduced fine plus 2 points, or choose to go to trial. Now if the advice is to just pay the fine and not go to court, do I still get a chance to get the fine reduced? By paying at court office?