Demerit Points and Convictions
In Ontario, there’s a difference between demerit points and convictions. Demerit points stay on your record for two years from the date of the offence. These can add up quickly and, if too many are accumulated, may lead to licence suspensions.
On the other hand, convictions—such as speeding, careless driving, or driving without insurance—stay on your driving abstract for three years from the date of conviction. While the conviction itself remains part of your permanent history, it will only appear on your official driver’s abstract for three years when pulled by insurance companies or employers.
Insurance Impacts
Insurance companies typically look back three years when assessing your driving record. That means even a single ticket can lead to higher premiums during that time. For more serious offences—like careless or stunt driving—insurers may factor them into your rates for up to six years, making them much more costly over time.
Licence Suspensions
If your licence is suspended, the impact can be even more significant. A suspension is permanently recorded and can affect your ability to get affordable insurance for up to six years after reinstatement. For repeat offenders or serious violations, it may even make finding coverage difficult.
Why It Matters
Understanding these timelines helps you make informed decisions when contesting a ticket. Even a minor violation can cost you hundreds—or thousands—of dollars in increased premiums over the years. Fighting a charge could protect not only your record but also your wallet.
While driving violations in Ontario may only stay on your abstract for two to three years, their financial and legal consequences can last much longer. From higher insurance premiums to possible suspensions, the long-term costs often outweigh the initial fine.
At XPolice, we know how stressful a driving violation can be. Our experienced paralegals can help you fight tickets, protect your record, and save money on insurance. Don’t let a single mistake follow you for years—contact XPolice today for a free consultation and let us fight for you.