u/Healthy-Buffalo-8053

I have a full Ontario G license and my TD auto policy runs until May 2027. TD renewed me in May 2026.

My Ontario driver abstract currently shows:

• Speeding: 115 km/h in a 100 zone
  • Offence date: February 14, 2025
  • Conviction date: March 4, 2025
  • 0 demerit points
• Disobey legal sign
  • Offence date: December 20, 2024
  • Conviction date: June 2, 2025
  • 2 demerit points
• Speeding: 109 km/h in an 80 zone
  • Offence date: May 14, 2025
  • Conviction date: June 18, 2025
  • 3 demerit points

My abstract currently shows 5 demerit points.

I also received a ticket in New York in March 2026. The original speeding charge was reduced to VTL 1110(a), failure to obey a traffic-control device. I accepted the reduced charge and paid it in July 2026, after TD had already renewed my policy. I understand that paying it means I was found guilty/convicted of the reduced offence.

The New York document says 3 points, but I do not yet know how Ontario will record it or whether Ontario will assign the same number of points.

I understand the possible consequences:

• The New York conviction may appear on my Ontario driving record.
• TD may see four convictions within three years.
• My premium could increase significantly.
• TD could refuse to renew me in May 2027.
• I may need to use a non-standard or high-risk insurer.
• I may have to disclose a non-renewal if a future application specifically asks about it.
• The convictions will remain relevant until they fall outside the insurer’s lookback period.

My questions are:

1. Is TD likely to refuse renewal in May 2027 with this record?
2. When does TD usually pull a driver abstract before renewal?
3. Has anyone with a similar record actually been renewed or non-renewed by TD?
4. Does a TD non-renewal affect future applications separately from the convictions themselves?
5. Would selling my vehicle and voluntarily cancelling before renewal be recorded differently from a TD non-renewal?
6. Can I request an underwriting review from TD before the renewal date?
7. Which Ontario insurers or brokers usually accept drivers with four minor convictions?
8. What would you suggest be the best way forward? I am willing to quit driving, sell my car and take rentals when needed for a year or two, user Uber and public transport where needed.

I know I made mistakes and I take responsibility for them. I am not trying to hide the convictions or avoid the consequences. I am trying to understand what is likely to happen, prepare early and avoid a gap in coverage.

I would especially appreciate responses from Ontario insurance brokers, TD customers with similar records or anyone familiar with TD underwriting.

Deeply appreciate your time and responses, thanks!