Ontario · Driving Without Insurance · London
No Insurance Ticket in London
Charged with driving without insurance in London? There's no fine to pay off the ticket — this goes to court on a summons, with a minimum penalty of $6,250. Understand what's actually at stake before doing anything else.
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Driving Without Insurance in London — how it actually works
Whether the OPP stopped you on Highway 401 or 402, or London Police Service on Wonderland, Wharncliffe, Highbury or Veterans Memorial Parkway, a driving-without-insurance charge under s.2 of the Compulsory Automobile Insurance Act is prosecuted from the same office — London Provincial Offences Court at 824 Dundas Street East.
This is not an ordinary ticket. There is no set fine — the matter goes to court on a summons, and the minimum penalty on a first conviction is $5,000, which becomes $6,250 once Ontario's mandatory 25% surcharge is added. No demerit points attach, which is exactly why the charge is so often underestimated. How this charge is defended in Ontario covers the full penalty range and the due-diligence defence in detail.
Most drivers don't arrive at this charge deliberately — a cancelled policy, a lapsed renewal, or a borrowed vehicle assumed to be insured. Bank records showing premium payments and correspondence with your insurer are typically the starting point.
In our experience
A number of the London no-insurance files we see start with a policy lapse the driver didn't know about — surfaced only when London Police Service or the OPP ran the plate on Wonderland, Highbury, or the 401.
What clients in London say
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Driving Without Insurance in London — questions we get
How much is a no-insurance ticket in London?
There's no set fine. The minimum on a first conviction under the Compulsory Automobile Insurance Act is $5,000, and with Ontario's mandatory 25% surcharge the real floor is $6,250 — set provincially, not by the local court.
Where is a London no-insurance charge heard?
London Provincial Offences Court at 824 Dundas Street East. Every Highway Traffic Act and related charge laid within the City of London is prosecuted from that single court, on a summons rather than a payable ticket.
I couldn't produce an insurance card at the stop in London — is that the same as no insurance?
No — failing to produce a card and driving without insurance are different things. If a valid policy actually covered the vehicle on the date, producing the policy documents frequently resolves the charge. Many of these charges are laid simply because nothing could be shown at the roadside.
Related pages
This may not be the whole picture — here's how we handle other charges in London, and how Driving Without Insurance plays out in other Ontario cities.