The Hidden Consequences of Demerit Points on Your License

Introduction:
Most Canadian drivers are aware that getting a traffic ticket means fines or possibly losing your license — but few truly understand how demerit points work behind the scenes. These invisible strikes on your driving record can quietly build up, leading to serious consequences that may impact your insurance, employment, and even your ability to legally drive.

Key Points:

• Demerit points are part of Canada’s driver monitoring system, used to track violations and encourage safer road behaviour. Each province assigns points for specific infractions. For example, in Ontario, failing to stop for a school bus will result in 6 points, while speeding under 15 km/h over the limit adds 3 points.

• Here's where it gets tricky: you don’t “spend” demerit points like money. Instead, you accumulate them. If you gather too many in a short time — typically 9 to 15 depending on your license class and province — you risk license suspension. New drivers are even more vulnerable. For example, Ontario G1 or G2 drivers can face suspension after just 6 points.

• What many drivers don’t realize is how demerit points can indirectly affect their financial future. Insurance companies use your driving history to assess your risk level. If your record shows multiple infractions, your premiums could increase dramatically. In some cases, insurance providers might even refuse coverage.

• Moreover, drivers applying for jobs that involve vehicle operation — such as delivery services, transport, or construction — may be denied based on their driving record alone. Employers often perform background checks that include your license status and any accumulated demerit points.

• Staying informed about how many points you have and how long they last is crucial. Points don’t stay on your record forever — most expire after two years — but if you commit another offense within that window, they can stack up fast.

• To help manage and understand your demerit points, educational platforms like licenseprep.ca provide up-to-date information on traffic laws and point systems for each province. Their tools are especially useful for new drivers, international license holders, or anyone brushing up before a road test.

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