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Driving with no insurance

Fail to Surrender Insurance | Permit No Insurance | False Insurance

Under the Compulsory Automobile Insurance Act of Ontario, the owner of a motor vehicle is responsible for insuring that the vehicle is covered with liability insurance before the vehicle is driven on the roadway.

Even if the owner of the vehicle is not driving, they can be charged with “permitting the operation of a motor vehicle without insurance”.

The fine for driving without insurance is five thousand ($5000.00) dollars, plus a surcharge (tax) of approx. twenty percent (20%).

Meaning if you are caught driving without insurance the total fine is six thousand two hundred and fifty ($6,250.00) dollars.


Under the Compulsory Automobile Insurance Act of Ontario, it is illegal to drive a motor vehicle that is not insured. The law requires that every motor vehicle insurance policy include:

  • Third Party Liability coverage – minimum of $200,000
  • Uninsured Automobile coverage
  • Statutory Accident Benefits coverage
  • Direct Compensation – Property Damage coverage

In addition to these mandatory coverage requirements, there are also optional types of coverage available.

If you are stopped by the police, you must show them your insurance card if they ask for it. If you do not have your insurance card with you as a courtesy the police will sometimes give you 48 hours to go to the police station and show them your card, but they have no legal obligation to do so.


While driving without insurance is not an offence under the Criminal Code of Canada, it is a serious provincial offence.

The penalties for driving with no insurance in Ontario are as follows:

  • a fine of between $5,000 and $25,000 on a first conviction
  • a fine of between $10,000 and $50,000 on a 2nd or subsequent conviction

Your licence could be suspended for up-to one year, and your car could be impounded for up-to three months.

Under the Provincial Offences Act (POA), you are also subject to a 25% victim fine surcharge in addition to the fine imposed by the court. This would amount to a $1,250 victim fine surcharge in addition to a $5,000 fine, and a $12,500 victim fine surcharge in addition to a $50,000 fine.

The victim fine surcharge is forwarded to the Province of Ontario. Although it does not provide victims of accidents with any monetary reward, the funds are used to provide services to support victims of crime.

It is very difficult to defend yourself if you are charged with driving with no insurance. It is no defence that you thought you were insured or that you did not know you had to be insured, although that may help to reduce the amount of the fine imposed. Also, if you are involved in an accident you may have to personally pay for injuries and damages.

It is very important that you make sure that your vehicle is insured.


Fail to Surrender Insurance Card

Fail to Surrender Insurance Card – Section 3.1

If the driver of a motor vehicle cannot provide proof of valid insurance, the officer has two (2) options.  If the driver is the owner of the vehicle the officer can charge the driver with;

  • Operate a motor vehicle without insurance, or
  • Fail to surrender insurance card
 If you have been charged with operating a motor vehicle without insurance contact Ontario legal Pool to have this resolved.


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