Demerit Points and High Risk Auto Insurance

Demerit points add up and can put you in the category of high risk auto insurance
Demerit points add up and can put you in the category of high risk auto insurance

The demerit point system and high risk auto insurance are related.  An accumulation of points under the demerit point system causes your car insurance premiums to skyrocket and, in some cases, your carrier may refuse to insure you.

We’ve listed some of the more minor demerit points below.  You will certainly see how these points can add up and put you in the category of high risk auto insurance.   If you are convicted of any of the following driving infractions, you will receive 2 demerit points per conviction, so it is very easy to accumulate a number of demerit points through a cluster of minor  convictions.

 

You receive 2 demerit points per conviction for each driving offence below.

  • improper right turn
  • improper left turn
  • improper opening of a vehicle door
  • prohibited turns
  • towing people — on toboggans, bicycles, skis
  • unnecessary slow driving
  • backing up on highway
  • failing to lower headlights
  • failing to obey signs
  • failing to stop at a pedestrian crossing
  • failing to share the road
  • failing to signal
  • driver failing to wear a seat belt
  • driver failing to ensure infant/child passenger is properly secured in an appropriate child restraint system or booster seat
  • 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 seat belt

As you can see, demerit points for minor convictions can quickly add up, and put you into the category of high risk auto insurance.

We know that there are times when we all may encounter a period of bad driving luck, and we’re there to help you. Our experts will analyze your specific driving history and put together a personalized plan for you with competitive rates that  quickly gets you back on track to lower auto insurance premiums.