Conviction

Definition
In law, a conviction is the verdict that results when a court of law finds a defendant guilty of a crime.

In regards to vehicle insurance a conviction or a ticket will appear on your driver's abstract. A multi-nova a ticket where camera takes a picture of the car and ticket is sent to registered owner does not normally appear on your abstract. The standard abstract is for a three year period.

Some drivers will take a special course to reduce the number of points they have on their abstract. Even if the points are cleared, the insurance company will still consider that conviction. For commercial truck drivers there is a special report called a carrier profile that lists convictions that have not been shown on the abstract.

The insurance answer
Some insurance companies rate for even one ticket. Others will rate for three tickets. Once you have four tickets then surcharges start. In Alberta, under the GRID system there is a surcharge for the second ticket. Some insurance companies will get a discount because you do not have any tickets.

These convictions can be considered as minor, major or serious and criminal. Some major and criminal convictions will result in an increased premium even if this is the only item you have declared on your abstract.

Talk to your agent or broker about the effect of your driving record and your rates.