Your driving record isn’t just a reflection of your habits behind the wheel—it directly affects how much you pay for auto insurance. Across Canada, insurers—including ICBC in British Columbia—use your history of convictions and violations to assess risk and apply potential surcharges.

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⚡ How Driving Records Affect Premiums

• Minor Convictions 📝: Speeding, failing to signal, and other small infractions can gradually increase premiums.
• Major Convictions ⚠️: Distracted driving, excessive speeding, or driving without insurance have a more significant impact.
• Criminal Code Offences 🚨: Impaired or dangerous driving can lead to the highest penalties, licence suspensions, and major surcharges.

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💰 What Are Surcharges?

A surcharge is an additional cost added to your premium after certain convictions or at-fault accidents. They are designed to encourage safer driving and ensure that higher-risk drivers contribute proportionally to the insurance pool.

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📌 Why It Matters

• A clean driving record can earn substantial discounts over time.
• Accumulated convictions may result in much higher premiums—or difficulty obtaining insurance.
• In provinces like B.C., distracted driving tickets carry hefty fines plus insurance surcharges, making them one of the costliest mistakes on the road.

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✅ The Takeaway

Safe driving isn’t just about protecting yourself—it also protects your wallet. Maintaining a clean record helps you avoid surcharges, lower your premiums, and preserve your good standing with insurers.

👉 When was the last time you reviewed your driving record?

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