Insurance Implications

Once a speeding ticket goes on the driving record, the ticket can affect your insurance for up to three (3) years.

Speeding Tickets Affect Insurance

The caveat to this is, speeding tickets will only affect insurance rates after:

  • a conviction is registered at court, or
  • the driver pays the ticket without disputing it

Insurance companies only find out about a speeding ticket after the driver either pays the ticket or are convicted at court, which can be months down the road, and after your insurance renews.

Where the driver disputes the ticket, the insurance doesn’t learn of the conviction until after the case is finished.

The courts nor the police phone the insurance companies to tell them about speeding drivers.

A conviction means that the driver either paid the ticket or was found guilty of the offence at traffic court.

The traffic court registers a “conviction to the offence”

Once the driver is convicted, the court sends a record of the conviction to the Ministry of Transportation.

The Ministry of Transportation then adds the conviction to the driving record, sometimes called a driving abstract.

Driving abstracts are available to anyone who has the drivers licence number for a fee, payable to the Ministry of Transportation.

Delaying a speeding ticket from going on the driving record can save insurance.

How does the insurance find out?

The way the insurance company will finds out about the ticket is;

  • driver calls and tells the insurance company that they received a ticket, or
  • insurance company contacts the Ministry of Transportation and
    • checks the drivers abstract

Each insurance company is a private company with their own set of rules and standards.

Some insurance companies will not increase insurance rates for one ticket and others will.

The problem is drivers don’t know what the insurance company is going to do, and if asked, there is a chance they will increase it due to the inquiry.

Delaying the ticket from your insurance

Traffic tickets go on the driving record after a conviction or the driver pays the ticket.

Convictions are only kept on driving abstracts for 3 years.  When the driver dispute the ticket, the ticket is delayed from going on the driving record.

Trial dates have known to be months from the date of offence, by setting a trial date, the conviction if there is one, can be many months way.

By fighting the ticket and delaying the ticket from going on their driving record, you’ll save your insurance and points.  Learn more about fighting your speeding ticket >

For example;

  • driver receives a speeding ticket in February and the insurance renews in March.
    • driver requests a court date
      • the court assigns an April date
  • upon March insurance renew, no convictions on the record
    • in April the ticket is dismissed/won, or
      • conviction is registered
        • insurance does not learn of the conviction until the next yearly renewal

Officer said, Won’t Affect My Insurance

If the police officer told you that the speeding ticket will not affect your insurance, do not believe them.

The police officer does not know what or how your insurance company is going to deal with a speeding ticket on your driving record.  The officer receives no training or information about traffic tickets and insurance.

When the officer says the ticket isn’t going to affect your insurance rates, it’s just their “opinion” and not actual fact.  Any conviction on a driving record can affect insurance rates.

The insurance company “may not” penalize the driver for a first conviction but any subsequent conviction will affect the insurance.

Traffic ticket convictions stay on a driving record for 3 years.  Drivers should to do everything possible to keep their driving record as clean as possible.

If the driver cannot keep the ticket off the record then delay it from appearing on the abstract as long as possible.