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What Types of Convictions or Accidents Affect My Auto Insurance?

The following is a list of the three types of convictions that will affect your insurance rates. To ensure you qualify for cheaper auto insurance rates, it is best to avoid convictions that fall into each category:

Ontario insurance companies recognize convictions under any act governing highway traffic or under any other act for any offence substantially the same whether committed within or outside Canada or any conviction which appears on a Driver Record abstract or is identified as a criminal, major or minor conviction.

Criminal Code/Serious Convictions

• Driving without insurance

• Speeding 50km/h or more over the limit

• Operate motor vehicle – no insurance CAIA

• Criminal negligence committed in the operation or use of a motor vehicle

• Manslaughter committed in the operation or use of a motor vehicle

• Driving while license under suspension

• Racing

• Careless driving

• Driving without due care and attention

• Driving without an interlock device where its installation is a requirement for license reinstatement

• Dangerous driving

• Impaired driving

• Failure or refusal to submit to a breath or blood test

• Failure to pass a breath or blood test

• Failure to stop/remain at the scene of an accident

• Class G1/G2/M1/M2 failing/refusing breath sample

• Class G1/G2//M1/M2 and G (age 21 and under) drive with alcohol in blood


Major conviction

  • Failing to report an accident

  • Fail to report damage to highway property

  • Stunting

  • Failure to stop on request of or obey directions of a police officer

  • Failing, in the event of an accident, to give name and licence number to thepolice or any other person entitled to such information

  • Fail to obey school crossing stop sign

  • Improper passing of a school bus

  • Improper passing/speeding in a school or playground zone

  • Vehicle owner without insurance

  • Producing false proof of insurance


Minor conviction

  • Fail or refuse to surrender licence

  • Fail to produce evidence of insurance

  • Fail to carry/have insurance card

  • Fail to notify police

  • Fail to make written report

  • Backing up – unsafe/illegal/improper – any type

  • Brakes – none/inadequate/improper – any type

  • Crowding driver’s seat

  • Door opening – illegal/obstructing traffic – any type

  • Emergency vehicle – operating with no regard for safety

  • Driving imprudently

  • Driving off roadway (including shoulder/sidewalk/median) – any type

  • Flagman – disobeying

  • Following too closely (including tailgating)

  • Using a hand-held wireless communication device

  • Headlights/parking lights – improper/lack of use – any type

  • Lack of control of vehicle – any type

  • Motor assisted bicycle – carrying passengers

  • Motorcycle – operating with only an instruction permit

  • Motorcycle – failure to wear helmet

  • Passing infraction – any type except school bus or school/playground zone

  • Pedestrian crossing violation – any type

  • Radar warning device in motor vehicle – if illegal in province/territory

  • Railway crossing - any type

  • Safety zone violation – any type

  • Seatbelt – any type

  • Signaling offences – any type

  • Slow driving – endangering others – any type

  • Smokescreen device on vehicle

  • Speeding – any type, except when listed as major or criminal code/serious

  • Squealing tires

  • Stopping – illegal/improper – any type

  • Tires – defective/worn – any type

  • Towing – prohibited/unsafe – any type

  • Traffic signals/regulation lights – any type

  • Traffic signs – disobeying any legal sign except parking regulations

  • Trailer – improper attachments/improper towing

  • Turns – illegal/improper – any type

  • Unlicensed driver – any type including improper licence class

  • Unsafe move

  • Unsafe vehicle – any type

  • Wrong side of road/wrong way – any type

  • Yield, failing to – any type including failing to yield to a public bus

If you have any other questions concerning past convictions or accidents and how they can be rated on your auto insurance policy, please feel free to call Kyle Wijnands at 519-393-3246 so that he can answer your specific question. To get an auto insurance quote now, please click the link below. Kyle can them follow up with you shortly to see if there is anything else that can be done to get you cheaper and better auto insurance.

John Brookshaw

"We have been with Tradition Mutual Insurance for 60 plus years Kyle is one of the BEST agents we have ever had Full marks on everything!"

Kim Good

I have my car insurance with Tradition Mutual Insurance and am very pleased with the rates as well as the service I have experienced. Kyle will be sure to provide you with excellent customer service answering any question you may have thoroughly and honestly. He has excellent communication skills and does well to ensure that your insurance needs are met and exceeded.

Dayna Vyse

Kyle found me a much better fit for my auto insurance for a cheaper price and was very easy and pleasant to work with! Kyle was very prompt and responsive and never pushy or sales-y. Super great to work with!"

More than the cheapest car insurance but the best customer service and claim experiences you will find in Ontario, Canada 


Find a cheap car insurance quote for these Ontario cities and towns: 

Frequently asked auto insurance questions: 

Ways to get cheaper auto insurance in Ontario: 

New Driver Discounts

If you have auto and home/tenant insurance, you can save on both policies

Bundle Policies

If you have auto and home/tenant insurance, you can save on both policies

Multiple Vehicles

If you have more than one vehicle in the household insured, car insurance rates are cheaper

Pay Annually 

Paying annually instead of monthly will make your auto insurance premiums cheaper. 

Take Driver Training

For new drivers, having driver's training helps to lower auto rates and get cheaper insurance. 

Pay on Time

If you pay on time, your insurance record won't have any cancellations for non-payment and will get you cheaper rates. 

Relationship Status

Typically, the statistics for those who are married are better and can get you cheaper auto rates. 

Have a Clean Record

At fault collisions, convictions, dangerous driving charges etc make premiums higher. A clean record means cheaper auto rates.  

Low KM Use

The lower the usage of the vehicle, the cheaper the insurance. 

Shop & Compare

Rates range from company to company. Look around to see what is the best and cheapest. 

Raise Deductibles

The deductible is what you pay before the insurance company does. Higher deductibles make car insruance rates cheaper. 

Winter Tires

Discounts are available for having winter tires on your vehicle during the snowy season. 

Mandatory Car Insurance Coverages Required in Ontario

Liability Coverage 

For bodily injury or property damage of someone else, costs are covered for you.

Direct Compensation

If you are are not at fault, damages to your car are covered.

Uninsured Auto

If an uninsured driver is negligent, medical costs and physical damages are covered.

Accident Benefits

Regardless of  fault, medical and other expenses you are eligible to receive are paid out.  have entitled to receive are covered.

Optional and Enhanced Auto Insurance Coverages


Protects your vehicle from damage caused by perils like fire, hail or theft (besides collision or upset.)

Collision or Upset

Protects your vehicle from losses such as collision with another vehicle or object. 

All Perils

Combines collision or upset and comprehensive coverage and also includes increased theft coverage. 

Accident Forgiveness

With this protection, provided that you are not charged with a careless, your rates won't increase if you have a partial or 100% at fault accident. 

Rental Car Coverage

Liability for damage to non-owned Automobile(s)  when insured persons rent other automobiles. Contact for further details.

Vehicle Replacement

Coverage for reasonable expenses incurred in
renting a similar substitute automobile or obtaining alternate transportation while
the insured vehicle is out of use as a result of an insured loss.

Depreciation Protection

If eligible, vehicle can qualify for 24 months of replacement cost coverage instead of the depreciated value at the time of loss. 

Family Protection



If the other motorist has
insufficient insurance, additional protection is available for you subject to liability limits and policy agreements. 

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