Ontario Demerit Point Rules – How will demerit points affect my insurance?

Ontario Demerit Points affect everyones insurance, everyone who receives a traffic violation. Nearly all insurance companies will increase your insurance premium on renewal.

How Do Demerit Points affect my Insurance?

Demerit points affect all ages, whether you are 16 years old a 50+ insurance seeker, demerit points will affect everyone who receives a ticket. In ONT, it important to remember that driving is a privilege and not one’s right.

Drivers need to make no mistake that when you are convicted of a ticket there is no grey area and what is done is done.  If you want to try and reduce your ticket, there are some organisations that will review your case with a Justice of the Peace since he has the power to reduce or throw out a conviction.

Here is how the demerit point system works.  Maybe you have a ticket or more on your driving record or perhaps your driving record is perfect.  Whether you are a 0*, seven star driver, or 10 star driver your rate will reflect a traffic conviction.

Most of us are proud until we receive that first ticket and know this will eventually affect both your drivers license and car insurance. The most important thing there is about your driving privileges, keep them!

Therefore, it is very important for people to acknowledge how the Ontario Demerit Point System works.

The Ontario Ministry of Transportation monitors Ontario drivers convicted of driving-related offense’s and the department is responsible to record the demerit points accumulated on driving records.

All Ontario drivers begin with 0 demerit points and accumulate demerit points for the listed convictions below. If you collect enough points, you could lose you driver’s licence!

Below are examples outlining offences and the number of demerit point penalties assigned to each offence.

7 Points

Failing to remain at the scene of a collision
Failing to stop when signaled/requested by a police officer

6 Points

Careless driving
Racing
Exceeding the speed limit by 50 km/h or more
Failing to stop for a school bus

5 Points

Driver of a bus failing to stop at an unprotected railway crossing

4 Points

Exceeding the speed limit by 30 to 49 km/h
Following too closely

3 Points

Exceeding the speed limit by 16 to 29 km/h
Driving through, around or under a railway crossing barrier
Failing to yield the right-of-way
Failing to obey a stop sign, traffic light or railway-crossing signal
Failing to obey the directions of a police officer
Driving the wrong way on a divided road
Failing to report a collision to a police officer
Improper driving when road is divided into lanes
Crowding the driver’s seat
Going the wrong way on a one-way road
Driving or operating a vehicle on a closed road
Crossing a divided road where no proper crossing is provided

2 Points

Improper opening of a vehicle door
Prohibited turns
Towing people – on toboggans, bicycles, skis, etc.
Failing to obey signs
Failing to stop at a pedestrian crossing
Failing to share the road
Improper right turn
Improper left turn
Failing to signal
Unnecessary slow driving
Reversing on a divided high-speed road
Driver failing to wear a seat belt
Driver failing to ensure that a passenger less than 23 kg is properly secured
Driver failing to ensure that a passenger under 16 years is wearing a seatbelt

Fully Licensed Drivers
As a fully licensed driver, you could expect to receive a warning letter if you receive 6 or more demerit points. If you accumulate 9 or more points, you may have to attend an interview to discuss your record and even give reasons why your licence should not be suspended.

You might even have to take a driver re-examination that could include an eye-exam, written test and/or road test. At 15 or more points, your licence will be suspended for 30 days from the date you surrender it to ServiceOntario (formerly known as Ontario Ministry of Transportation or MTO) and if you fail to surrender your licence, you could lose it for up to two years.

For further details on the demerit point system and for information on how the demerit point system affects drivers under the graduated licensing system, please visit the ServiceOntario (formerly known as Ontario Ministry of Transportation or MTO) website.

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