Fail to have insurance card
Compulsory Automobile Insurance Act · 3(1)
Compulsory Automobile Insurance Act, section 3 — read the legal wording
Reference copy · Source currency: October 26, 2026 · Retrieved 2026-10-29. This copy does not update automatically. Grey paragraphs identify source notes about changes not yet in force.
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What This Provision Covers
Section 3(1) requires the operator to carry the required insurance card and surrender it for reasonable inspection on police demand. This does not, by itself, allege that insurance coverage was absent.
Fine Information
- Set fine as listed
- $50.00
- Fixed set fine
- $50.00
- Standard surcharge
- $10.00
- Standard service costs
- $5.00
- Calculated standard total
- $65.00
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
The Act provides a statutory maximum fine of $400 for this provision. Where a set fine is listed above, it is separate from that statutory maximum. Failing to carry or surrender an insurance card is a different allegation from operating without insurance.
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.
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
Schedule 1, item 3.
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.
Official court schedule ↗ · Database coverage and review limits