Points count for nothing in the insurance world. Our scale is: minor, major, serious, or criminal conviction.
Whether your rate will go up depends on your insurance companies rules. Some give you a conviction free discount (which you would loose with 1 minor conviction) others turn a blind eye until 2 or 3 minor convictions - then the surcharging begins!
Majors = instant surcharge. Even if it is the only conviction you have ever had. (ex:50+km/h over) and generally if you have a claim on your record, claim + major conviction (or 2 minors) = non-renewal. (for most standard markets, not the high risk companies)
On you renewal there is a 50/50 chance they will pull your record as it costs them $ to check. When signing a new policy it's 100% going to be checked.
And yes, rate increases were taken by almost all Canadian auto insurers this year.
1998 328ic - Sold
Last edited by hockeyfan27; 03-15-2010 at 03:48 PM.