Insurance

Driving convictions will affect your rating in several ways depending on the number and type of convictions.

To be eligible for preferred rating plans, you must have a clear record or no more than one or two minor driving convictions (requirements vary by insurance company).

Additional convictions usually result in loss of the preferred status and the discounted premiums. So, in addition to the fine you pay and the demerit points you accumulate, your insurance costs will also increase. Insurance companies can penalize your rates for a minimum of 3 years for any offence.

This can obviously be very costly, boosting your rates from $750-$1,000/year to $5,000-$6,000/year for only one conviction of careless driving.

Furthermore, insurance companies may also levy a premium surcharge if a driver has several minor driving offences or one of the more serious offences under the Criminal Code of Canada or the Highway Traffic Act. Surcharges vary by company but many use the Facility Association rules as a guideline.

The following is an example of premium surcharges companies apply effective February 1, 1998 for private passenger vehicles:

Minor

  • Four minor convictions 25%
  • Each additional conviction 15%

Major

  • One conviction 15%
  • Each additional conviction 25%

Serious

  • One conviction 100%
  • Each additional conviction 100%

Note: The maximum surcharge that the Facility Association applies is 250%.

Below is a list of convictions under the Facility Association classification.

Minor
Any other moving violation not listed in major or serious, e.g.,

  • Exceeding speed limit to 49 km/h
  • Following too closely
  • Failing to signal
  • Failing to obey a stop sign or traffic signal
  • Failing to wear a seatbelt

Any offences substantially the same committed outside Canada including:

  • Fail or refuse to surrender license CAIA [Compulsory Automobile Insurance Act]
  • Fail to produce evidence of insurance
  • Fail to carry insurance card CAIA
  • Fail to carry evidence of insurance CAIA
  • Fail to have insurance card CAIA
  • Fail to disclose particulars CAIA

Major
Convictions of the following offences under any Act governing highway traffic of Compulsory Automobile Insurance Act (CAIA) or offences substantially the same committed outside Canada:

  • Failing to report an accident
  • Failing, in the event of an accident, to give his name and licence number to the police or any other person entitled to such information
  • Improper passing of a school bus
  • Improper passing/speeding in a school or playground zone
  • Driving without insurance
  • Operate motor vehicle--no insurance CAIA
  • Vehicle owner without insurance CAIA
  • No insurance CAIA
  • Produce false evidence CAIA
  • False statement re. Insurance MVACA
  • Make false statement CAIA
  • Speeding in excess of 50 km/h over limit
  • Permit novice drive in contravention of conditions
  • Class G1 accompanied driver--fail/refuse provide breath
  • Class G1 drive unaccompanied by qualified driver
  • Class G1 accompanied driver excess blood alcohol
  • Class G1 drive with front seat passenger
  • Class G1/G2 drive with excess passenger
  • Class G1 drive on prohibited highway
  • Class G1/M1 drive at unlawful hour
  • Class M1 drive motorcycle with passenger
  • Class M1 drive motorcycle on prohibited highway

Note: If more than one CAIA/MVACA conviction relates to the same occurrence, only one, that which develops the highest additional charge, shall be applied.

Serious
Convictions of the following offences under the Criminal Code of Canada or under an Act governing highway traffic or any other Act or any offences substantially the same whether committed within or outside Canada or any convictions which appear on a Driver Record Abstract identified as Criminal Code convictions:

  • Criminal negligence committed in the operation or use of a motor vehicle
  • Manslaughter committed in the operation or use of a motor vehicle
  • Driving while license under suspension
  • Racing
  • Careless driving
  • Driving without due care and attention
  • Dangerous driving
  • Impaired driving
  • Failure or refusal to submit to a breath or blood test
  • Failure to pass a breath or blood test
  • Failure to stop at the scene of an accident
  • Failure to stop for a police officer, resulting in an extended suspension of license (e.g., three years)
  • Novice drive fail/refuse breath sample
  • Class G1/G2/M1/M2 drive with alcohol in blood

Note: If convictions for impaired driving and failure or refusal to take a breath or blood test relate to the same occurrence, they will be considered as one conviction.