Driving with No Insurance

Driving Without Insurance

Section 2(1) of the Compulsory Automobile Insurance Act, RSO 1990, c C.25 states: “The owner or lessee of the vehicle is guilty of this offence if they are either driving the vehicle, or permitting another person to drive their vehicle without insurance.”

Ticket Shield is able to defend you against Driving with No Insurance charges anywhere in Ontario.  The law states that no owner of a motor vehicle shall operate, or permit another person to operate that vehicle without valid insurance. As monthly insurance premiums in Ontario continue to rise, it may seem like driving without insurance is the only option. However, the liabilities and penalties associated with Driving with No Insurance are much worse than those monthly payments.  Accordingly, the penalties are extremely high for this offence.

The penalty for Driving with No Insurance  is as follows:


  • Minimum Fine:  $5000.00 + 25% surcharge = $6250.00  (First Offence)
  • Maximum Fine: $25,000.00 + 25% surcharge = $31,250.00 (First Offence)
  • Demerit Points: 0
  • Additional Penalties: Possible license suspension for up to 1 year.

Will a conviction affect my Insurance Rates?

Even if you do not have insurance at the time of the offence, being convicted of Driving with No Insurance can dramatically increase your insurance rates when you apply in the future.  Insurance companies may request a driver’s abstract for the previous 5 years prior to approving you.

How will Ticket Shield help you fight your Driving with No Insurance Charge?

Ticket Shield spends the necessary time on your case with the purpose of eliminating the charges completely by having them withdrawn or dismissed. If this is not possible, we will negotiate with the prosecutors to shield your demerit points, protect your license from being suspended, negotiate for the lowest fine available, and ultimately, keep your insurance rates as low as possible.

Ticket Shield begins preparing your defence with requesting a disclosure pack from the prosecutors.  We make a very specific request that requires them to provide the Police Officer’s notes, witness reports, radar manuals and calibration notes (if applicable), and any other relevant evidence that they plan to use against you.  By obtaining these documents prior to your court date, we can review them with you if we have any questions, and prepare a defence based on all of the information.

We are available to speak with you for a FREE consultation at 1-855-561-3699 toll-free, email us at info@ticketshield.ca OR Request a quote online: Here.

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