Demerit Points & Insurance
Stop demerits before they trigger an interview, a suspension, or a major insurance increase.
Most clients call Muna because of the insurance impact, not the fine. A traffic conviction stays on your driving record for three years from the date of conviction, and insurers price that conviction into your premium for the full window — often costing thousands of dollars more than the ticket itself.
Demerit points add another layer: at six points (G1/G2/M) or nine points (full G), the Ministry sends a warning letter; further accumulation triggers an interview and possible suspension.
Muna's strategy on every file is to protect your record first — through reductions to non-demerit offences, withdrawals where defensible, and trial preparation that can lead to dismissals. The goal is to keep your insurance and your licence intact.
What Muna handles
- ●Reduction to non-demerit, non-insurance offences
- ●Stop or shorten demerit accumulation
- ●Avoid Ministry warning letters and interviews
- ●Insurance-impact-aware plea negotiation
The information above is general. The right defence depends on the facts of your case, the wording of the charge, the disclosure from the prosecutor, and the court. Speak with Muna about your specific situation before pleading or making any decision.