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No Insurance Offences in Ontario

What you must know about driving without insurance.

As set out in the Compulsory Automobile Insurance Act (C.A.I.A.), all owners or lessees of motor vehicles who operate the motor vehicle or who permit others to operate them must have automobile insurance

It’s important to note that the owner or lessee is the responsible person for this offence not the driver — unless the driver and owner is the same person. A driver who is not the owner or lessee cannot be charged with operating a motor vehicle with no insurance.

What’s the price of recieving no insurance charges?

Driving with no insurance or permitting others to drive your vehicle without insurance is a significant offence with harsh consequences.

If the owner or lessee refuses to provide proof of insurance, does not have insurance or provides false proof of insurance, the penalty can be:

First conviction

  • $5,000 to $25,000+.
  • 25% surcharge = $6,250 to $31,250

Subsequent conviction:

  • $10,000 to $50,000+
  • 25% surcharge = $12,500 to $62,500

You could also face suspension of your driver's license for up to one year and the vehicle could be impounded for a period up to three months.

A conviction for driving with no insurance puts you in the “High Risk” category with your insurance company resulting in a steep increase in insurance premiums or even the cancellation of your policy for 3 or more years. You need to do all you can to prevent a conviction for no insurance or at least minimize the seriousness of the consequences which can include not only the extremely high fine of $5,000.00 – $50,000.00 plus surcharge, but also the seizure and impound of your vehicle and/or suspension of your licence for up to 1 year.

In addition, the civil aspects of operating a vehicle or permitting its operation without insurance could lead to dealing with lawsuits in the civil courts for years at the cost of hundreds of thousands of dollars.

Why do I need HELP?

Our paralegals have met the high standards of the Law Society of Upper Canada, the governing body of Ontario paralegals and lawyers.

HELP agents know how to fight tickets for no insurance and have a high success rate. You’ll get the best outcome possible with them on your side. Be aware that it isn’t possible to get every case dismissed but we can often negotiate a beneficial resolution. Learn more about our traffic ticket experts here.

Here’s a quote from a client:

“I want to thank you and acknowledge your help in getting my traffic ticket reduced. I would have been in a real pickle with my insurance company without your assistance. Thank you for your work in this matter.” — Jayne C.

We also have conveniently located offices around the province of Ontario. If you get a ticket from another jurisdiction, you won’t need to travel there in most cases — saving valuable time and money — as our office nearest you can take care of that for you.


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What's the cost to get HELP with my driving without insurance ticket?

Our team of experts are far more able to navigate these complex situations and save you money as a result, often far more than the cost for representation.

Get your free quote online now!

We would be glad to help you fight your driving with no insurance charge. Please contact our office nearest you: Burlington, Kitchener, Lindsay, London, Milton, Ottawa, Peterborough, Niagara Peninsula, Simcoe/Muskoka, Toronto.

Nothing deters HELP from getting you the best results possible.

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