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Note: This only applies in Ontario, Canada. The laws may be different in other provinces and in the U.S.
| At-fault accident (last 5 years) | 2 points where four or more years of driving experience, 4 points with less experience |
| Criminal code or similar conviction (last 3 years) | 4 points |
|
Major conviction (last 3 years) examples: failing to report an accident, speeding in a school zone |
2 points where four or more years of driving experience, 4 points with less experience |
|
Minor conviction (last 3 years) examples: seat belt infraction, speeding, illegal turn, fail to yield |
1 point where four or more years of driving experience, 2 points with less experience |
|
No evidence of coverage under an automobile insurance policy for at least 12 months out of the last 24 |
4 points (no typo!) |
|
Automobile insurance fraud (no time limit) |
4 points |
|
Material Misrepresentation (including failure to disclose on application form) (last 3 years) |
4 points |
|
Cancellation of a policy for non-payment of premium (last 3 years) |
1 point |
Note: Insurance risk points are not the same as driver license demerit points. Only if your driving record or insurance experience generates four or more insurance risk points can an automobile insurer refuse to insure you. Facility Association may be your only option if your record generates four or more insurance risk points. You cannot be referred to the FA unless your driving record generates four or more insurance risk points.