Demerit Points/Set Fines/Court Fees & Victim Fine Surcharges


A new page has  been  introduced to this site which sets out the demerit points that a driver accumulates (pursuant to  the Ontario Highway Traffic Act) when convicted of a traffic related offence, the Set Fines as set out in the Ontario Court of Justice’s “Schedule 43” including the Court Fee ($ 5.00) and the Victim Fine Surcharges related to each offence.

You will be able to find the number of demerit points each offence/infraction attracts, the section of the Highway Traffic Act that applies to each offence, the Set Fine (or No Set Fine “NSF”) added to the Court Fee of $ 5.00 and the appropriate Victim Fine Surcharge. (The demerit points, the set fine, the court fee and victim fine surcharge only apply if you are convicted of the alleged traffic offence).  Speeding is dealt with under section 128 of the Highway Traffic Act; if you speed near a construction zone, your fine will be doubled. You will also find that if convicted of an offence in a community safety zone or a construction zone, the fines almost double (see community safety zone or in or around a construction zone)

It should be noted that a large percentage of driver’s believe that they can pay tickets (which constitutes an admission of guilt) for offences which do not attract demerit points (example: speeding up to fifteen (15) kilometres over the posted speed limit) and in doing so, will avoid insurance premium increases. This is a false belief. Insurance companies will increase your premiums, whether the offence you were convicted of included demerit points or not. Remember, you don’t lose demerit points when convicted of a driving offence, you accumulate demerit points.

The current ecomonic reality (a recession, although alot of people believe it is a depression, disguised as a recession) facing all of us, will not stop the insurance companies from drastically increasing auto and home insurance and then investing considerable resources in challenging insurance claims, once made, especially the larger claims.

If you have determined after you have filed your ticket (requesting a trial date, disclosure, etc.) for a trial that you will most likely be convicted, it is important, especially if it is a major offence or a second minor offence, that you change your insurance company, before the conviction. If the insurance company that you have, that is providing you with auto insurance, is made aware of your conviction, your insurance premiums will be increased, for a number of years. If you try to go to another insurance company once you are notified by your current insurance company that your rates are increasing, the new company will take advantage of your situation and increase your insurance premiums.

If you think that you are valued by Insurance Companies because of your consumer loyalty, think again. The system, designed by private insurance companies, is not designed to work like that. Profit, not loyalty, is the only word which Insurance Companies care to hear. A couple in their seventies (70’s) contacted this site and provided their story to – this is what they had to say:

“We have read your site and found it to be enlightening; the page on Insurance Rates was so interesting, because it is true. We have had home and automobile insurance with Pilot Insurance for thirty two (32) years.  During this time, we have not had a single home or automobile insurance claim submitted.  Our rates have always gone up and have never come down.  We contacted you and you told us we should be rewarded for our outstanding insurance record and that we should shop around.  Given our age, you suggested that we should approach “Grey Power” and make enquiries about the same coverage, with a reduced rate.  We followed your advice and were told by Grey Power, that they were prepared to give us the same coverage, for three hundred and fifty dollars ($ 350.00) less, every year.  We called back Pilot and told them of the Grey Power offer, which would save us $ 350 a year, based on the rates we were presently paying Pilot Insurance.  The Pilot agent told us that Pilot could match Grey Power’s offer, given that their company name changed to Aviva Pilot, based on a recent merger”.

This is a very revealing situation, which says alot more about Pilot Insurance, than anyone else.  Two retired senior citizens, in their mid-seventies, on fixed incomes, were not rewarded for their loyalty or their zero insurance claims (on home and auto) for thirty two (32) years.  Pilot has made a fortune off of this couple (one of them is a war veteran who fought for our country) and never offered them a reduction on their premiums, until they became proactive and called Grey Power, who offered them a reduction of $ 350 dollars a year, for exactly the same coverage that Pilot had been charging $ 350 a year, too much over three decades!  It is shameful that Insurance Companies knowingly and willingly take advantage of retired senior citizens and war vets on fixed incomes, the very people that cannot afford to be taken advantage of and have their rates increased every year.

Pilot Insurance had 5.59% of the Market Share in 2007, that share of the market has now increased to 6.14% of the Market Share within the Insurance Industry in 2008. This growing and bloated company jacked their automobile insurance rates up 3.02% in the first quarter of 2008.  In the fourth (4th) quarter in 2008, Pilot Insurance Company increased their insurance rates by another 9.2% – amazing isn’t it. By increasing their insurance rates in the first and fourth quarter of 2008 by 3.02% + 9.2% = 12.22%;  with a Market Share of the Insurance industry which climbed from 5.59% to 6.14% – why would Pilot Insurance need to charge two retired citizens so much (over thirty two (32) years) when this couple has never submitted a home/auto claim? Why did their rates continue to climb, why didn’t someone in this insurance company call them and offer to reduce their rates?

Always shop around, you would be surprised how many companies will offer you the same product at a reduced rate.  Don’t think by leaving an insurance company that it will end up costing you more, in fact, many consumers find that just the opposite is true.

Auto Insurance Rates for the Fourth Quarter of 2008


October 1, 2008 – December 31, 2008

Rate applications approved during the fourth quarter of 2008 (October 1, 2008 to December 31, 2008) averaged +2.57%, based on the entire market.

In the fourth quarter of 2008, for the 69.37% of the market that had rate changes approved, the average rate change was +3.71%, when weighted by market share.

The rate changes approved in the fourth quarter of 2008 become effective in the fourth quarter of 2008 or later for renewal business.

The rate changes approved in 2004, 2005, 2006, 2007 and 2008 were -10.60%, -2.43%, -1.27%, +0.55% and +5.59%, respectively, for the entire market.

Look at Aviva and Pilot for the fourth quarter of 2008:


October 1, 2008December 31, 2008






Aviva Insurance Company of Canada





Pilot Insurance Company





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