also don't forget that all convictions are still registered by MTO for life. it just doesn't get dropped off. the abstract for insurance purposes are 3 years...but MTO and police access is for LIFE! so an offence from 10 years ago still show up when an officer pulls you over. the officer sees it even if insurance doesn't.
why does it matter?
officer more likely to go easy if they see few tickets. if they see many - clearly you haven't learned your lesson and need to get another ticket.