No Insurance

A fine of $5000 for a first offence

Let POINTTS™ licensed paralegals help you avoid fines, demerit points, increase in insurance and licence suspension.

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No Insurance

Demerit Points

0 Points


$5,000.00 for the First Offence.
Fines can be increased to $25.000.00

No Insurance

A person can be charged with this offence even if they are not involved in an accident. Furthermore, it is an offence for a vehicle owner to knowingly allow someone to drive their vehicle if it is not insured. It is also an offence to produce false evidence of automobile insurance or to make a false statement about the status of insurance when licensing a vehicle. The minimum fine for a first offence is $5,000.00. Fines can be increased to $25,000.00. A licence suspension and vehicle impoundment can also be imposed.* *

Understanding Penalties for Driving Without Insurance in Ontario

Driving without insurance is not only illegal but also poses significant risks to both drivers and other road users. In Ontario, strict penalties are enforced to deter individuals from operating vehicles without proper insurance coverage. Here’s what you need to know about the consequences of driving uninsured in Ontario:

Legal Ramifications:
Under the Compulsory Automobile Insurance Act in Ontario, it is mandatory for all drivers to carry valid auto insurance. Failure to comply with this requirement can result in severe penalties.

Penalties under the Highway Traffic Act:

  • Fines:If caught driving without insurance, individuals may face hefty fines ranging from $5,000 to $25,000 for a first offense.
  • Licence Suspension: Drivers may have their licences suspended for up to one year for driving uninsured.
  • Vehicle Impoundment: In addition to fines and licence suspension, the vehicle being operated without insurance may be impounded for a minimum of 3 months.

Insurance Ramifications:

Aside from the legal consequences, driving without insurance can have long-term financial implications:

  • Difficulty Obtaining Coverage: After being convicted of driving without insurance, obtaining insurance in the future can become challenging, and premiums may increase substantially.
  • Civil Liability: In the event of an accident, uninsured drivers may be held personally liable for damages and injuries, leading to potential financial ruin.

Criminal Charges:

In extreme cases, particularly if an accident occurs while driving uninsured, criminal charges may be brought against the offending driver under the Criminal Code of Canada. This can result in more severe penalties, including imprisonment.

Protecting Yourself:

To avoid the severe penalties associated with driving without insurance, it’s crucial to ensure that your vehicle is properly insured at all times. Here’s what you can do:

  • Stay Informed: Familiarize yourself with Ontario’s insurance requirements and ensure that your coverage is up to date.
  • Regularly Renew Policies: Make it a habit to renew your insurance policy before it expires to avoid any gaps in coverage.
  • Seek Legal Advice: If you find yourself facing charges for driving uninsured, seek legal advice from a qualified professional who can guide you through the legal process.

In conclusion, driving without insurance in Ontario carries significant legal and financial risks. By understanding the penalties and taking proactive steps to maintain proper insurance coverage, you can protect yourself and others on the road while staying compliant with the law.


At POINTTS™, we exclusively represent drivers who have been charged with traffic offences and are experts in this area of law.

With POINTTS™ on your side, we can stand in for you in court and typically eliminate the need for you to attend in person.

At POINTTS™, we are committed to providing top-tier legal representation that protects your license and saves you money on insurance, so you can get back on the road with peace of mind.

Modern & Secure Tools

POINTTS™ provides Free Consultations over the phone and various other secure online video platforms.

A Team Who Cares

POINTTS™ has been providing affordable access to justice since 1984.
Serving all courts in Ontario.

Guaranteed Win

POINTTS™ Traffic Ticket Specialists do not give guarantees. We do not have a magic wand and we cannot make an offence go away. We use the years of experience and defend you.

There are no Hidden Fees. We charge a Flat Rate. It doesn’t matter how many times we attend court or communicate with the courts. It’s a Flat Fee.

Affordable, Clear, Competent

Defending all traffic tickets from careless driving, speeding, stunt driving  to appeals and criminal offences.
Affordable. Clear. Competent.

Our Process


You receive a traffic ticket or summons from a police officer.  Call POINTTS™ to Request a Free Phone Consultation.

Text Your Ticket

Take a clear image of the traffic ticket and your driver's license.
Text it to (289) 272-9295

Free Consultation

Complete the Free Quote Request Form. A POINTTS™ Traffic Ticket Specialist will review your ticket(s) and/or summons.


We provide you with clear, competent, and affordable representation in court. Beside you, supporting you every step of the way.

I shopped around with a few known Traffic Ticket Paralegals and chose POINTTS™ Traffic Tickets because they listened to me and gave me clear options. There were no false promises and nor did they give me any hopes. I want to thank them for getting my charges dismissed and saving my demerits. I will recommend POINTTS™ to anyone who has received a Traffic Ticket and wants to fight it.

Jules Freis

Construction Supervisor

Hi Folks, I can’t thank you enough for you assistance in this matter. I am retired and have a great part time job driving customers to and from the dealership. It was important that I keep a great driving record. The POINTTS™ team put my mind at easy and always communicated in a prompt manner. The process off signing up and paying for the service were flawless online. Thanks Again for everything.

Michael Prosser


I called POINTTS™ and spoke with one representative and she was wonderful. They are very helpful, honest and are efficient with their communications. The representative that I had really did get me the best outcome possible given my situation. I would definitely choose them over X-Copper. That amazing!! 10 stars out of 5! Thank you so much. Hopefully won’t need your services in the future, but if I do there will be no hesitation.


V.P Finance

POINTTS™ provides affordable access to justice.

For almost four decades, POINTTS™ (Provincial Offences Information and Traffic Ticket Service) has been committed to providing quality legal representation to over a million satisfied clients.

In 2007 Shelina Lalji joined POINTTS™ and in 2015, Shelina founded Shelina Lalji Professional Corporation (SLPC) and became the Master Franchisee of POINTTS™, both in Ontario and Manitoba.

POINTTS™ has locations all across Ontario & Manitoba.


Text Your Ticket


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This website and its information is not legal advice, nor is it intended to be. For advice and fees about your individual matter, please contact us by email or telephone. Contacting us through this website does not create a paralegal-client relationship.

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