The number of points assessed for each driving incident depends on how likely the behaviour is to cause a crash. The exception is failing to wear a seatbelt, which is assessed points because of the increased chance of injury.
The most common incidents in each point category are listed first.
– 3 points
driver fail to wear seatbelt
exceed speed limit in school zone
drive while passenger unrestrained
turn left across traffic
fail to yield or proceed before safe
proceed contrary to signage
exceed 60 km/h when passing emergency vehicle
disobey amber light
exceed 60 km/h when passing highway worker or flag person
fail to yield to driver on the right
fail to yield to pedestrian
fail to yield when entering highway
fail to yield when leaving lane or alley
allow rider on vehicle exterior
fail to yield to pedestrian on amber light
fail to yield on green arrow
fail to stop for peace officer
disobey directions of flag person or peace officer
drive unsafely on being overtaken
radar warning device in commercial vehicle
overcrowded steering compartment
exceed 60 km/h when passing tow truck
turn left on red light when prohibited by sign
proceed contrary to green arrow
– 4 points
operating a vehicle while using a cellular telphone
fail to stop or proceed before safe
24-hour roadside suspension (experienced driver)
without due care or reasonable consideration
disobey red light
drive while licence suspended or cancelled, or refused issue
30-day roadside suspension (new driver)
exceed a safe, reasonable speed
fail to report collision
exceed speed limit by more than 50 km/h
disobey traffic control device
contest of speed
pass to the right
fail to stop for railway crossing signal
disobey school bus signal
disobey flashing red light
drive while on 24-hour suspension
drive left of median
fail to yield to emergency vehicle
fail to stop for level railway crossing
drive over median
enter or leave controlled access highway unlawfully
fail to activate school bus signal
– 6 points
At-fault motor vehicle collisions (where SGI pays $305 or more)
– 10 points
A conviction for one of these offences takes the driver to a safety rating of -20 points or less and causes the maximum financial penalty of $500 except for Criminal Code Offences resulting in injury or death, when the penalty is $2,500.
over 80 mg alcohol
drive while disqualified (provincial offence)
drive while disqualified
fail to comply with demand
leave scene of accident
impaired driving (injury)
dangerous driving (injury)
impaired driving (death)
criminal negligence (injury)
dangerous driving (death)
criminal negligence (death)
over 80 mg alcohol (injury)
over 80 mg alcohol (death)
fail to comply with demand (injury)
fail to comply with demand (death)
leave scene of accident (injury)
leave scene of accident (death)
criminal negligence while street racing (death)
criminal negligence while street racing (injury)
dangerous driving while street racing
dangerous driving while street racing (injury)
dangerous driving while street racing (death)
In the event of a discrepancy between the above wording and the governing legislation, the legislation will prevail.
What if I own more than one vehicle? Are they all eligible for my discount?
Yes. Each vehicle you insure in classes LV, PV or F (light) qualifies for your discount.
If someone else is at fault for a collision while driving my vehicle, do I lose my discount?
No. The discount applied to your vehicle is based on your driving record. The driver at fault for the collision will lose safety rating points and may be subject to a financial penalty.
Can I appeal movement on the Safety Rating Scale?
Drivers can appeal SGI’s assessment of demerit points for a collision. For more information, please review the Appeals page.
Am I assessed 6 demerit points for every collision where I have to pay a deductible?
Movement on the scale for motor vehicle collisions is determined by fault, not payment of a deductible. In some situations, even though you have to pay a deductible, you do not lose safety rating points. These situations may include collisions with wildlife and losses due to fire, hail, vandalism or theft.
You will be assessed demerit points for any collision, including a single-vehicle collision, where you are determined to be at least 50% responsible and SGI pays losses of at least $305 on your behalf.
What’s the maximum financial penalty?
When incidents result in a safety rating of -20 points or less, the maximum financial penalty is charged. This is $500, except for Criminal Code offences resulting in injury or death, when the penalty is $2,500.
When are financial penalties payable?
Financial penalties are assessed immediately following an incident, but motorists have 90 days to pay. After 90 days, payment must be made before new transactions with SGI can occur.