If the MTO removes it from their records so should the insurer. Is the policy not based on the driving record which is held by the ministry? Did they not change the policy based on the conviction of the MTO record?. Yes they did so they cared about that, did they not.
Why would they not also remove it at 3 years other than they could capture additional revenue.
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It works both ways. Ticket surcharges are not added until the renewal. Therefore if your policy runs from July - July and you get a ticketor an accident your rate wouldn't change until your renewal.
GateKeeper - There are a whole bunch of reasons why insurance is more expensive in Ontario compared to other provinces, the biggest being Accident Benefits. Also most of the tickets you mentioned are not surcharged by the insurance company. I am not sure I can explain it any better than Viffer, but a seatbelt ticket can directly effect claim cost, therefore you should be charged more. As would a fail to stop, speeding, failure to remain at an accident, etc....
If you don't want to pay the high rates for your son, then don't have him drive it. Driving a motorcycle is not a right, its a luxury that some can afford and others can't.
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