Your position on the scale is based on your driving record.
The scale is based on points and works like a slide ruler - your safety rating moves from side to side (zone to zone) based on your driving record.
Safety Rating Scale
You start in a neutral position on the scale and begin to gain or lose points based on your driving habits.
- In neutral on the scale, you'll receive neither a discount nor a surcharge and will pay the base insurance premium.
- You gain points for safe driving, which moves you towards or into the scale's Safety Zone. Each point in the Safety Zone gives you a 2% discount off your vehicle plate insurance, to a maximum of 20%.
- You can earn more than +10 safety points (see the Safety Rating Scale). The maximum discount remains at 20%, but the extra points act as a cushion to help shield you from the effects of an incident. Two-point cushion in Safety Zone.
- You lose points for certain driving incidents, such as an at-fault collision or a traffic conviction, which moves you towards or into the Penalty Zone. Once you're in the Penalty Zone, there is a $25 financial penalty for each point you lose.
Note: Your position on the Safety Rating Scale is based on your driving record. If someone else is driving your vehicle and is at fault for a collision, it does not affect your position on the scale.
Examples
- If you sit at +7 in the Safety Zone and lose 3 points for a violation like not signaling properly, you move to +4. As long as you don't lose any more points, you still qualify for an 8% discount on your vehicle insurance upon renewal.
- If you sit at +4 in the Safety Zone and are at fault for a collision, you lose 6 points. This moves you to -2 in the Penalty Zone, resulting in a financial penalty of $50 for that incident. You continue to pay your base insurance premium upon renewal. If you have another incident that causes you to lose more points and moves you further into the Penalty Zone, you'll pay another financial penalty that corresponds to your new position on the scale.
- If you sit at -5 and drive safely with no incidents over the next year, you move 1 point back towards the Safety Zone to -4. You do not pay another financial penalty at this position and on renewal of your vehicle insurance you continue to pay your base insurance premium.
- If you are in the Penalty Zone and drive safely with no incidents for 3 years, you automatically move back to neutral and can begin to earn points towards a discount.
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