We hear it often, “But it was just a minor ticket!” At the time a minor ticket might appear to be just that, until you receive your insurance renewal.
Most companies include a minor conviction discount in your premium. This discount can be up to 15% and all it takes is one minor ticket to lose it for the next three years. If you have more than one minor ticket or a major or serious/criminal ticket the increase could be much more and you run into the possibility that standard auto insurers will not over coverage.
The following is a chart of the most common increases on your policy as a result of a ticket. The surcharges will vary from company to company.
|Minor Ticket||15% per ticket|
|Major Ticket||25% per ticket|
|Serious/Criminal Ticket||100% per ticket|
Examples of a Minor Ticket
- Fail to carry insurance card CAIA
- Speeding up to 49km over the speed limit
- Fail to stop at stop sign or red light
Examples of a Major Ticket
- Fail to report accident
- Speeding 50km to 60km over limit
- Driving with no insurance
- Class G1 unaccompanied by qualified driver
Examples of a Serious/Criminal Ticket
- Speeding 60km over the speed limit
- Impaired driving
- Careless driving
- Driving while license suspended