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Demerit points - what are they?

Your insurer cares about your driving record and calculates your premium based on any minor, major convictions or criminal convictions. This is your safety risk.

As a driver, you already know there are consequences for breaking the rules of the road - but do you know the difference between a minor and major infraction? Or how convictions can influence your insurance rates?

The top convictions which will dramatically affect your insurance rates:

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Most common traffic convictions impacting demerit points

Six demerit points:

Three demerit points (major insurance):

Two demerit points (minor insurance):

The consequences for collecting demerit points depends on what type of license you have and how many points you’ve accumulated.


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