No Insurance and Other Insurance Offences

What you must know about driving without insurance.

Having an auto insurance policy is mandatory in the Province of Ontario under the Compulsory Automobile Insurance Act (CAIA).

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 receiving no insurance charges?

Insurnace related offenses have the highest financial consequences of any driving offence

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.

Other insurance related charges include:

  •  Producing false evidence of insurance
  • Possess false or invalid insurance card 

Why do I need H.E.L.P.?

Our paralegals have met the high standards of the Law Society of Ontario, 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. 

Contact us now for a no obligation free initial consult!

What’s the cost to get H.E.L.P. 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 no obligation quote now!

We would be glad to help you fight your commercial vehicle ticket. Please contact our office nearest you.

Nothing deters H.E.L.P. from getting you the best results possible.