Insurance

Your insurance company will hold convictions against you for at least 3 years and assess insurance risk points depending on the severity of the offence.

A total of 4 or more insurance risk points will force you into facility group insurance causing insurance premium increases of 100% or more.

Below you will find the insurance risk point system for drivers with a minium of 4 year's driving experience.

Description Demerit Points
No evidence of vaild auto insurance for at least 12 of the last 24 months 4 points
At fault accident (last 5 years) 2 points
Criminal code, or similar conviction (last 5 years) 4 points
Major conviction (last 3 years) 2 points
Minor conviction (last 3 years) 1 point
Auto insurance fraud (no time limit) 4 points
Presenting false documentation (last 3 years) 4 points
Policy cancellation for non-payment of premiums (last 3 years) 1 point


Direct Links to MTO sites

Insurance Links


Tel: (416) 366-8729
Fax: (416) 614-8436
E-mail: battle@416dontpay.com
Contact Us
Please call for an appointment.
111 Yore Rd., Toronto, Ontario, M6M 5L8
(N/E Corner of Keele & Eglinton)