Classes of Tickets That Impact Your Insurance

traffic ticketsTickets issued under the Highway Traffic Act (HTA) or Criminal Code of Canada (CCC) appear on your driver abstract and affect your insurance rates.

Tickets are divided into three classifications: major, minor, and serious convictions, which include criminal acts. All types of tickets affect your insurance rate, regardless of demerit points accrued.

Parking Tickets:

The only consequence of not paying your parking tickets is that your licence plate will not be renewed. That is, you will not get your renewal “sticker” unless you pay for your parking tickets. They do not affect your driver’s licence, insurance record or appear on your driver’s abstract.

Major, Minor and Serious Convictions:

Here is a list of the different classifications of tickets and the types of convictions that will affect your insurance rate:

Major Tickets

  • Speeding 60 mph over posted speed limit (or set limit in your province)
  • Failing To Report An Accident
  • Failure To Report Damage To Highway Property
  • All Insurance Offenses
  • False Statement Of Insurance
  • Operating Motor Vehicle With No Insurance
  • Driving Without Insurance
  • Produce False Evidence
  • Driving In Contravention Of Restrictions
  • School Zone, Improper Passing Zone
  • School Bus, Improper Passing, Fail To Stop
  • Speeding in a construction zone is double the fines and points

Minor Tickets

  • Crowding Driver’s Seat
  • Defective Brakes
  • Driver’s Licence Violations
  • Failing To Share The Road
  • Failing To Signal
  • Failure To Use Seatbelts
  • Failing To Yield
  • Failing To Yield To A Pedestrian
  • Failure To Surrender Your Licence
  • Failure To Produce Evidence Of Insurance
  • Failure To Produce Or Carry Insurance Card
  • Following Too Closely
  • Headlight Offenses
  • Improper Driving In A Bus Lane
  • Improper Lane Change
  • Improper Opening Of Door
  • Improper Passing
  • Improper Towing
  • Improper Turn
  • Improper Use Of Divided Highway
  • Insecure Load
  • Obstructing Traffic
  • Overloading
  • Use Of Radar Warning Device
  • Improper Railway Crossing
  • Speeding
  • Stop Sign Infraction
  • Traffic Light Infraction
  • Trailer Passenger
  • Unnecessary Noise
  • Unnecessary Slow Driving
  • Unsafe Move
  • Unsafe Or Prohibited Turn
  • Unsafe Vehicle
  • View Obstructed
  • Wrong Way On One Way
  • Obstruction Of View
  • Obstruction Of Licence Plate
  • Driving without an up to date Inspection Sticker


Serious (Criminal) Tickets

  • Driving Impaired, Blood Alcohol Over .08 (or set limit in your province)
  • Careless Driving; Undue Care Or Attention
  • Criminal Negligence
  • Dangerous Driving
  • Driving While Under Suspension
  • Failing To Obey Police
  • Failing To Remain At An Accident Scene
  • Motor Manslaughter
  • Racing
  • Refuse Breathalyzer
  • Stunting / Drag Racing
  • All Serious Convictions; Can Be Unspecified