Demerit points are the provincial metric to determine how offences under the Highway Traffic Act can be applied to regulating road safety. They are used to determine insurance premiums and have a significant impact on the ability of insurers to value a driver’s ability to maintain and respect the rules of the road.
Demerit points remain on your record for two years from the date a traffic ticket is received. In Ontario, after a novice driver may accrue 8 demerit points, while a fully licensed driver may have up to 14. However, upon receiving 15 demerit points, as a fully licensed driver, or nine demerit points, as a novice driver, the Ontario Ministry of Transportation will suspend your driver’s licence for 30 days (full licence) or 60 days (novice licence) for the first demerit point violation. A second demerit point suspension will result in a six-month suspension.
Most Ontario insurance companies look at the number of convictions you have and the severity of the offence. Insurance companies also look at the number of demerit points you have. Others use a combination of (number of convictions, severity of offence, number of demerit points). For an Ontario driver, even a minor $65 traffic ticket can produce an annual increase of $300 or more that will last at least five years. In other words, your minor $65 traffic ticket will end up costing you $1,500.
The following chart shows what the likely insurance impact will be based on the number and type of convictions.
|Insurance Increase by Conviction|
|# of Convictions||Minor||Major||Serious|
|Each additional conviction||15%||25%||100%|
|Any traffic convictions related to the operation of a vehicle, other than those listed as Major or Serious. It can be under an Act governing highway traffic, the Compulsory Automobile Insurance Act or a similar offence committed within or outside Canada. See below…||Any of the following traffic convictions under an Act governing highway traffic, the Compulsory Automobile Insurance Act or a similar offence committed within or outside Canada…||Any of the following traffic convictions under an Act governing highway traffic, the Compulsory Automobile Insurance Act, a similar offence committed within or outside Canada, or any convictions which appear on a Driver Record Abstract identified as Criminal Code convictions…|
Motor vehicle convictions stay on your Ministry of Transportation driving record for three years, demerit points for two years. Insurance companies keep this information usually for five years. Law enforcement can see your complete driving record and criminal history including every conviction going back to the day you were born. So expect to pay higher insurance for at least five years. The clock starts ticking from the day you are convicted, not the day you were charged. Your insurance will increase when you renew your policy.
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X-Crown’s legal team fights to have all charges withdrawn. Our expertise is in negotiating with prosecutors to help defend against demerit points, license suspension, and reduced jail time (if applicable). If you’re facing legal challenges, contact the experts at X-Crown today.
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I would like to take this opportunity to sincerely thank Team X-Crown for all of their help in assisting me with fighting my traffic tickets. I was involved in a collision with a Mississauga city transit bus and was subsequently charged with careless driving. My clean driving record of over 25 years was in jeopardy of being tarnished with 6 demerit points and on top of that, a hefty fine. I was overwhelmed when the X-Crown Agent had my charge completely withdrawn. There were 0 points and no fine. Words cannot express the weight that took off my shoulders and the relief I felt. Moreover, I was extremely impressed with the professionalism of the X-Crown Legal Services staff and their courteous manner in dealing with me as a client. They guided me through every step of the process and kept me informed at all times of any issues that arose. The diverse staffs of Team X-Crown are also highly effective when it comes to dealing with people of different nationalities, as they speak many different languages. I highly recommend Team X-Crown for any individual that requires their services and will definitely use them again in the future. Once again, my warmest regards.
I am very satisfied with the way X-Crown Legal Services handled my case, and their hard work is much appreciated. I was charged with having no insurance, and if found guilty, my license would have been suspended because of my previous convictions. Without a license, my whole livelihood would have been ruined. I drive an hour and a half to and from work each day as my place of employment is in Etobicoke. Without my license I would not be able to work, therefore making the ability to support my family impossible. X-Crown successfully dropped all my charges in court at an affordable fee. They saved me a lot of trouble and I owe them one. Thank you once again!
This was my first experience in receiving a traffic ticket. I have been living in Canada for over 20 years and have never received a ticket. I was taking my children to school and my daughter in the back seat had put her seat belt strap under her arm. I was pulled over a short distance from my house and was charged with improper seat belt use which carried some points. I had no idea who to contact in regards to this issue and was quite skeptical at which legal services I should have retained when searching online. Everyone told me that this charge was impossible to drop. However, a colleague of mine told me about X-Crown so I decided to give them a call. I am very grateful for what they did for me. The prosecution took this matter very seriously but X-Crown agent successfully raised the defence of due diligence in trial and the judged favoured in our decision. Not only was the charge dropped but X-Crown’s fee was very reasonable. Thank you.
Thanks Team X-Crown for resolving my legal disputes!
I was referred to X-Crown legal services for an injury I sustained in a motor vehicle accident back in 2012. Their hard work and dedication is much appreciated. I received great rehabilitation and was compensated largely for my injury. All my information was kept confidential and they followed up on me on a weekly basis. Very reliable!
Thank you soo soooo much for reducing my demerit points and fines! I can drive with a clear head now lol!
Thanks again Team X-Crown for obtaining that large settlement for me. I was in bad shape after my car accident and was told X-Crown was the first place to call. I was given the best physiotherapy and rehabilitation and feel like I am starting to live a normal life again. I was very happy with the settlement they got for me with the insurance company.
My experience in resolving my legal issues using X-Crown Legal Services was one of the better choices I have made. I was quite pleased with their competence of the legal issues surrounding my case and their effective way of raising the applicable defences. I highly recommend X-Crown Legal Services to all of Ontario.