What infractions do/do not affect insurance? v.minor speeding ticket?

[Ebtek]

wife got a speeding ticket for going 15 over. (55 in a 40)

1. will her points be affected? by how much?
2. will the insurance premium be affected?
3. it was in a school zone around 1pm. while i already gave her the business, and everyone needs to accept responsibility for their actions, EVERYONE has gone over the speed limit a time or two, and after some previous minor insurance-hiking incidents coming up for falling off the record (7 yrs) i'd like to try to keep it as clean as possible.

should i fight it?

[new_vr]

Most insurance companies will let a ticket slide.
AFAIK, any speeding ticket under 50km/h over is a minor conviction, so 5km over hurts as much as 48km over.

[Ebtek]

i just called my insurance, did not identify myself but told them ive been with them for 10 years - which is true, and as new_vr says; was told every minor infraction is treated the same, however there will be an annual increase in the premium of about $100.

[thelefteyeguy]

Depends on her history and how your insurance is setup between you two.

1 ticket should not increase your premium by $100 (if this is your only ticket for the last 3 years)

perhaps it's time to get a insurance broker and shop around

[rems]

Depends on her history and how your insurance is setup between you two.

1 ticket should not increase your premium by $100 (if this is your only ticket for the last 3 years)

perhaps it's time to get a insurance broker and shop around

well she could have had a conviction free discount.
IF it was worth 10% and she was paying 900/year prior to the ticket, then $100 increase seems right.

[thelefteyeguy]

well she could have had a conviction free discount.
IF it was worth 10% and she was paying 900/year prior to the ticket, then $100 increase seems right.

Can you pm with insurance companies that offer 10% off for conviction free

[COSMIC5]

Some companies charge for 1 minor, some don't. Some may remove your conv free discount, if you have one - you really need to ask your broker as they know who your insurer is...

[Allstarplaya546]

FIGHT the ticket, the prosecutor will reduce the fine and charge!
Goodluck with it!

[MP3_SKY]

FIGHT the ticket, the prosecutor will reduce the fine and charge!
Goodluck with it!

Yes, but the infraction will still remain in file. Doesn't change the increase on the insurance premium, but it worth fighter to pay less on the fine at least.

[ticketcombat]

1. will her points be affected? by how much?
2. will the insurance premium be affected?
3. it was in a school zone around 1pm.
should i fight it?

1. There are no demerit points for 15km/h or less.
2. For a rough estimate on the insurance hit, check out http://www.ticketcombat.com/offences/insurancehit.php
3. community safety zones and construction zones affect the fine amount, school zones don't.
4. Step by step instructions how to fight the ticket: www.ticketcombat.com

[booblehead]

I believe insurance companies will look at the conviction, whether it carries demerit points or not when they are reviewing the clients renewnal file every year. Therefore, do not be misled believing that how come my insurance is going up in the coming year, given that I have only a minor ticket with NO demerit point.

[COSMIC5]

I believe insurance companies will look at the conviction, whether it carries demerit points or not when they are reviewing the clients renewnal file every year. Therefore, do not be misled believing that how come my insurance is going up in the coming year, given that I have only a minor ticket with NO demerit point.

That is correct, they don't look at points, only what you were convicted of...

[ticketcombat]

Some insurance companies look at the number of convictions you have, some look at the number of demerit points you have, and some look at the type of conviction it is. Others use a combination of the three. It depends on the company. There is no absolute rule on this.

[Shaner]

Some insurance companies look at the number of convictions you have, some look at the number of demerit points you have, and some look at the type of conviction it is. Others use a combination of the three. It depends on the company. There is no absolute rule on this.

All look at the number of convictions you have and none look at the number of demerit points you have. Simply put, demerit points are a ministry thing and have no effect on your insurance premiums.

[booblehead]

see attachment for further details of 'How do conviction(s) affect insurance premium' ... Page 10 - 11
http://www.ibc.ca/en/Car_Insurance/d...ure/on-faq.pdf