Apply for vehicle permit issuance, validation or transfer without insurance

What This Provision Covers

Section 13(1) prohibits applying for issuance, validation or transfer of a vehicle permit unless the vehicle is insured. The general penalty in section 14(2) applies except where otherwise provided; no flat ticket amount has been assigned here.

Fine Information

Set fine as listed

No set fine listed in the imported Schedule 1; see statutory penalties

Fixed set fine

Not calculated

Standard surcharge

Not calculated

Standard service costs

Not calculated

Calculated standard total

Not calculated

A set fine is not the same as a court sentencing range. Standard totals include the surcharge and $5 service costs where a fixed set fine is listed. Court penalties and extra costs may differ.

No-set-fine entries and variable formulas remain uncalculated. A blank amount does not mean there is no penalty.

No Insurance or No Proof of Insurance?

These are different allegations. A driver may have valid coverage but fail to carry or surrender the required insurance card. Operating without insurance concerns the absence of required coverage.

Check the Act and section printed on your ticket or summons. The facts, insurance policy and any applicable exemptions matter.

Statutory Penalties for This Provision

No set fine for section 13(1) is listed in the imported Schedule 1. Section 14(2) provides a general statutory maximum of $250,000 for a first conviction and $500,000 for a subsequent conviction, except where another penalty is provided. These general maximums are not flat ticket fines or a prediction of sentence.

Statutory fine amounts exclude applicable surcharges and costs. The proceeding, exemptions and any statutory relief require assessment.

Demerit Points

Unassigned — not zero

Not assigned in this database; do not infer zero or apply HTA point matches to a different Act. A general provision match does not settle the result for a particular licence or conviction.

Read about Ontario demerit points →

Insurance Consequences

Insurance consequences depend on the particular conviction, the policy and the insurer. An unassigned point value does not establish that a conviction has no insurance effect.

Official Source and Review Status

Statutory reference.

This is a source record, rather than a fully reviewed article. The linked Act and court schedule were checked for this record. Statutory penalty summaries appear above; exemptions and individual legal application require review.