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Do tickets on a out of province license affect insurance?
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PostPosted: Sun Dec 15, 2013 1:21 pm 
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Hi,

I didn't really know where to go for this question, but this seemed like an alright place to try.

I just to moved Guelph from Manitoba to do my MSc in September. Back in MB in summer 2012 I got 3 tickets, but 1 got quashed (not having a license on me), but the other two did not. One was for going 129 in a 100 zone and the other for not stopping at a stop sign (separate occasions, just very close together). One ticket got reduced and I paid the other in full (total $400), but for some reason got no demerits for it (license cost didn't change).

So I finally started to shop around for car insurance and most placed are quoting me $3200-$3800. They ask about tickets, however they don't specify if they are from Ontario or not.

By my logic, tickets from other provinces should not count towards a higher insurance as there is no memorandum of understanding (that I know of) that state that the Manitoba Highway Traffic Act is equivalent to the Ontario Highway Traffic Act.

What are your thoughts on this; do out of province tickets (made with a non-ON license) impact ON insurance costs?

Thanks


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Re: Do tickets on a out of province license affect insurance
PostPosted: Sun Dec 15, 2013 2:29 pm 
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Posts: 682
They certainly can.
Convictions from out of province will also place demerit points on your Ontario licence.
ONTARIO REGULATION 339/94 outlines the process in section 4


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Re: Do tickets on a out of province license affect insurance
PostPosted: Sun Dec 15, 2013 3:22 pm 
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qf22 wrote:
By my logic, tickets from other provinces should not count towards a higher insurance as there is no memorandum of understanding (that I know of) that state that the Manitoba Highway Traffic Act is equivalent to the Ontario Highway Traffic Act.


Provinces along with many U.S. States share a Reciprocal Agreement. Your ticket in another province or state will be applied to your home province accordingly.


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Re: Do tickets on a out of province license affect insurance
PostPosted: Sun Dec 15, 2013 11:10 pm 
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Thanks guys, much appreciated.


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Re: Do tickets on a out of province license affect insurance
PostPosted: Mon Dec 16, 2013 9:06 am 
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Joined: Thu Aug 27, 2009 10:06 pm
Posts: 354
Plus if you lie to the insurance company they will drop you. Then you will be classed as high risk and wait until you see your premiums then.

OPS


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