Insurance Risk Points: What Are They?
Risk points, otherwise known as insurance points, are violation markers on your driving record for traffic violations and at-fault accidents. Risk points may also be affected by your location; for instance, Hamilton may not be considered as high-risk as the GTA.
Risk points may be labeled minor, major, or serious. You don’t want a serious conviction, they carry 4 points alone, and more if you’re a new driver.
For a driver licensed less than four years, insurance points attaching to a conviction are doubled.
For instance, being found guilty of careless driving is grounds for a serious, otherwise known as ‘criminal’, conviction.
Serious Convictions (4 points)
- Driving, and/or care/control of a vehicle over 80 mgs
- Impaired care or control of a vehicle
- Careless driving
- Dangerous driving
- Failing or refusing a breathalyzer
- Driving with a Suspended Licence
- Any amount of blood-alcohol level above 0 with a G1/G2 and/or M1/M2 licence
- Any other forms of substance-impaired driving
A serious conviction will result in a surcharge. Facility Association will impose a surcharge of 100 per cent, doubling your base premiums. These surcharges would apply for 3 years.
Minor Convictions (1 points)
- Not wearing a seatbelt
- Unsafe movement
- Disobeying legal traffic signs (e.g. running a red light, parking somewhere you shouldn’t)
- Failing to yield
Major Convictions (2 points)
- At fault collisions
- Speeding over 50 km/h
- Failing to report an accident
- Driving without insurance
- Class G1 accompanying driver has excess blood alcohol
- Class G1 accompanying driver fails or refuses to provide a breath sample
- Class G1 drive on prohibited highway
- Class G1/M1 drive at unlawful hour
Most insurance companies will not renew your insurance or accept you as an insured if you accumulate 4 insurance risk points.
80 mgs = 80 milligrams of alcohol per 100ml of blood