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DUI insurance implications

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A DUI allegation or conviction may be very costly for many years with a very large surcharge imposed by your insurance company. Insurance companies may also raise rates as a result of administrative licence suspensions, accidents, and plea bargains to lesser offences such as careless driving.  



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Canada                                                      Edit this Entry                     Cases for this Canada paragraph

A drunk driving conviction may have a serious impact on your insurance.

The following is an example of premium surcharges the Facility Association applies on private passenger vehicles taken from ONTARIO AUTO INSURANCE FREQUENTLY ASKED QUESTIONS by the Insurance Bureau of Canada:


One conviction 100%

Each additional conviction 100%

Note: The maximum surcharge the Facility Association applies is 250%. Serious

Convictions for the following offences under the Criminal Code of Canada or under an act governing highway traffic or any other act or any offences substantially the same whether committed within or outside Canada or any convictions which appear on a Driver Record Abstract identified as Criminal Code convictions.

• criminal negligence committed in the operation or use of a motor vehicle

• manslaughter committed in the operation or use of a motor vehicle

• driving while licence under suspension

• racing

• careless driving

• driving without due care and attention

• dangerous driving

• impaired driving

• failure or refusal to submit to a breath or blood test

• failure to pass a breath or blood test

• failure to stop/remain at the scene of an accident

• failure to stop for a police officer, resulting in a suspension of licence for a period in excess of two weeks

• class GI/G2/M1/M2 failure/refuses to give breath sample

• class G1/G2/M1/M2 driver with alcohol in blood

- one conviction 100%

- each additional conviction 100%

Note: If convictions for impaired driving and failure or refusal to take a breath or blood test relate to the same occurrence, they will be considered as one conviction.



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DUI Law: Words, Concepts, Issues, Terminology, and Ideas

DUI Law: Information For Expression and Peer Review by Law Students, Articled Clerks, and Students-at-Law

Constructive Peer Review is Encouraged By and Among Judges, Lawyers, and Forensic Scientists and Technologists- Click an Add, Edit, or Update Link to Participate

This DUI Law page is for expression by students of law and forensic science in understanding and peer reviewing important DUI Law: concepts, words, issues, and ideas. This site is not intended to provide DUI legal advice to the public. Members of the public with DUI law questions should consult and retain a DUI lawyer or attorney for proper legal advice. Because this information comes from many sources who may not be DUI law lawyers or attorneys and because this site does NOT contain solicitor-to-client personalized advice it would be unsafe to rely upon this information. This database was developed by Stephen R. Biss, Barrister & Solicitor, who practices law in Mississauga, Ontario, Canada.


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For more information respecting this database or to report misuse contact: Allbiss Lawdata Ltd., 303-470 Hensall Circle, Mississauga, Ontario, Canada, L5A 3V4. The author and the participants make no representation or warranty  whatsoever as to the authenticity and reliability of the information contained herein. Advertisement. The participants do not practice in association. WARNING: All information contained herein is provided by students of the law for the purpose of discussion and peer review only and should not be construed as formal legal advice. The authors disclaim any and all liability resulting from reliance upon such information. You are strongly encouraged to seek professional legal advice before relying upon any of the information contained herein. Legal advice should be sought directly from a properly retained lawyer or attorney.

Intoxilyzer®  is a registered trademark of CMI, Inc. The Intoxilyzer® 5000C is an "approved instrument" in Canada.
Breathalyzer® is a registered trademark of Draeger Safety, Inc., Breathalyzer Division. The owner of the trademark is Robert F. Borkenstein and Draeger Safety, Inc. has leased the exclusive rights of use from him. The Breathalyzer® 900 and Breathalyzer® 900A are "approved instruments" in Canada.
Alcotest® is a registered trademark of Draeger Safety, Inc. The Alcotest® 7410 GLC is an "approved screening device" in Canada.
Datamaster®  is a registered trademark of National Patent Analytical Systems, Inc.  The BAC Datamaster® C  is an "approved instrument" in Canada.


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