Do Demerit Points Affect Your Car Insurance Rates?

I’ve been in the insurance industry for many years. I know my stuff.

But every now and then, I do a quote for someone that knows more than me. You probably know the type – The type of person that knows everything about everything.

That’s what happened a few days ago, when I did a car insurance quote for a lady. As with all car insurance quotes I do, I had to ask her if she’s had any tickets in the last three years. She said she didn’t.

I gave her the quote. She liked the rate and wanted to set up the policy. So, as with all new policies I set up, I had to check her driving record. So I did. Well, it turned out that she really did have tickets on her record – Two minor speeding tickets. I don’t mind people trying to hide some of their blemishes. They try to get away with what they can get away with. It’s only natural.

But normally, when I find undisclosed tickets (Or anything else, for that matter), the customer will accept what I found and either accept or decline the increased rate. That’s usually how it goes… Unless… Unless, the customer knows more than me.

Demerit points don’t matter

In this case, this lady knew more than me. She told me, quite forcefully, that those speeding tickets shouldn’t be on her record because there were no demerit points. True, she didn’t have any demerit points, but that doesn’t matter – ALL tickets that you get will show up on your driver’s abstract, whether or not there were demerit points attached to them. I explained this to her, quite politely I may add. But no, I was wrong (According to her)… She knew her rights, blah blah blah.

Guess what? I got a stern lecture from her. No big deal, I thought it was quite funny. In the end, Miss Know-It-All didn’t get her way. She must have been mad.

But anyway, that’s just my little story to try to show you that all tickets affect your car insurance rates. So drive safe, folks, and obey the rules of the road.

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