A major is a more serious or major traffic safety conviction would include any conviction under Act governing highway traffic, or an offence substantially the same committed inside or outside of Canada, including, but not limited to:

  • Driver failing to make an accident report
  • Failing to remain at the scene of an accident
  • Drive a motor vehicle during a prohibited period of time
  • Improper passing in playground zone or school zone
  • A novice driver - presence of alcohol suspension
  • Speeding - flashing yellow light crossing and exceed limit by more then 50 kph
  • A general speeding ticket exceeding the limit by more than 50 kph
  • Speeding in a construction zone and exceeding limit by more than 50 kph
  • Speeding - passing an emergency vehicle - exceeding limit more than 50 kph
  • Racing
  • Careless Driving
  • Fail to stop for a school bus
  • Fail to stop for a peace officer
  • Drive on a bet or a wager
  • Drive while unauthorized

Insurance rates these types of tickets individually and the usual increase in premium is 50% on the PLPD (liability) and also on the Collision or All Perils (physical damage).

Be sure to advise your agent or broker of your full driving record. This will help your adviser choose the best company for your situation.

Your abstract or MVR will list your convictions. The insurance answer to lower rates is not to have this on your record.