Speeding Demerit Points

Speeding tickets can have a significant impact on both your licence and insurance in Ontario. Here’s how it works:

• Insurance Impact: Speeding tickets are red flags for insurance companies. Even a minor speeding conviction can lead to a premium increase, while accumulating points makes you appear higher-risk, potentially doubling your costs.

• Conviction Stays on Your Record for 3 Years: If you don’t fight your speeding ticket, the conviction remains on your driving record for three years. During this time, it can negatively impact your insurance rates, as insurers view past convictions as indicators of higher risk, leading to increased premiums and potential difficulties in obtaining affordable coverage.

• Novice Drivers – Stricter Penalties: For novice drivers with a G1, G2, M1, or M2 licence, penalties are even more severe. Any speeding ticket for more than 29 km/h over the limit results in an automatic 30-day suspension for novice drivers. This not only drastically increases insurance rates but also places two strikes against a novice driver’s record, leading to long-term financial and licensing impacts.

• 8 Demerit Points – Licence Interview: Once you accumulate 8 demerit points, the Ministry of Transportation requires you to attend an interview to assess your driving record and determine if your licence should be suspended. This is a critical warning stage, and missing the interview could lead to an automatic suspension.

Take Action to Protect Your Record – Don’t let a speeding ticket jeopardize your driving licence and insurance rates. Contact OTT Legal today to fight your ticket.

For novice drivers holding G1, G2, M1, or M2 licences, Ontario enforces strict penalties for speeding, with significant impacts on both driving privileges and insurance costs. Here’s how speeding tickets affect novice drivers and why fighting a ticket is crucial:

• Speeding Tickets and Insurance: For novice drivers, a speeding ticket can immediately mark you as a higher-risk driver to insurance companies. Even a single ticket can lead to a steep increase in premiums, while any licence suspension results in an automatic 100% rate hike. Once categorized as high-risk, insurance costs often double, adding financial strain that can last for at least 3 years.

• 4-Point Speeding Tickets = 30-Day Licence Suspension: Novice drivers face an automatic 30-day suspension for any speeding ticket over 29km/h with 4 demerit points. This suspension can disrupt your driving freedom, making it challenging to build a clean driving record and keep insurance affordable.

• Stricter Demerit Point Rules for Novice Drivers: G1, G2, M1, and M2 licence holders are subject to a stricter demerit point limit. While fully licensed drivers have higher point thresholds, novice drivers must avoid andy speeding ticket with 4 or more demerits, and accumulating 6 demerit points e.g. two 3 point tickets will lead to suspension. Managing your demerit points is essential to maintain your driving privileges.

• Subsequent Suspensions – 6-Month Penalty: For novice drivers, a second suspension following an initial 30-day suspension results in a six-month licence suspension. Repeated suspensions not only restrict driving privileges but also further increase insurance premiums, making it harder to obtain affordable coverage in the future.

• Long-Term Financial Impact of Suspensions: Any suspension places novice drivers in a high-risk insurance category, often doubling insurance costs. This financial impact can make it challenging to afford coverage and can follow you long after the suspension period has ended.

Contact OTT Legal to Fight Your Speeding Ticket
Don’t let a speeding ticket lead to costly suspensions, demerit points, or skyrocketing insurance premiums. OTT Legal specializes in defending novice drivers, helping you fight your ticket to protect your licence, demerit points, and insurance rates. Contact us today to learn how we can help safeguard your driving future.

Thank you for winning my speeding ticket and saving my points. You saved me the aggravation of appearing in court and I was impressed by your professionalism. I would not hesitate to recommend your firm to anyone who is need of your services. Sincerely, A. Cligeman, Toronto”

Traffic court paralegal Eddie Cho
Retired OPP Officer

When you choose OTT Legal to fight your speeding ticket, you’re entrusting your case to a team with over 20 years of experience and a proven track record of success in fighting speeding ticket points across Ontario.

With one of the highest success rates and hundreds of positive reviews, our team handles every detail of your defence. We take care of preparing your case for trial, obtaining police disclosures and reports, conducting pre-trial hearings with the prosecutor, and representing you in court.

Don’t risk your driving record—let us handle your defence and protect your future.

Contact an OTT Legal office today to start fighting your speeding ticket.