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Conviction Free Discount

Auto Insurance Discounts Expained

By Derek Visser  •  My Insurance Broker
August 29, 2016  •  1 minute read

Why does having a conviction free history affect my insurance premium?

Being a conviction free driver can save you big on insurance. Auto Insurance companies recognize when their clients are safe drivers because they are free of any driving violations, often rewarding drivers with discounts. You are rewarded for not having claims, which is indicative of defensive driving techniques that may help reduce risk and the chances of accidents in dangerous driving conditions. Full discounts are applied when you have been conviction free in Ontario typically after 9 years. This means the longer you drive and have no at-fault accidents, the more you save. If you have a safe driving record, you can take advantage of these savings.

How much can I save on insurance by being a conviction free driver?

Remaining conviction free can affect your insurance premium, and you may be eligible to start saving. This discount can be applied to multiple drivers that fall under the same insurance policy. Therefore, it is in your best interest to ensure all drivers under the same insurance policy remain conviction free in order to save. Having a conviction free history can decrease your insurance premium, and you may be eligible to save between 5 – 15% depending on how long you have been conviction free.

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