​Driver Penalty Points and Driver Risk Premiums

The amounts under the Driver Penalty Point (DPP) and Driver Risk Premium (DRP) programs will increase by 20 per cent on November 1, 2018, and another 20 per cent on November 1, 2019.

  • The Driver Penalty Point program applies to drivers who receive four or more penalty points in a one-year period. These points are for traffic offences such as disobeying a stop sign or driving without due care.
  • The Driver Risk Premium program applies to drivers who receive serious convictions such as roadside suspensions or prohibitions, excessive speeding and distracted driving.

The DPP and DRP programs are separate from insurance premiums – they are linked to the driver’s licence and are billed even if the driver does not own or insure a vehicle.

These increases apply to those who represent a higher risk and aligns with how much Basic insurance rates have increased over the past decade.