Who is eligible for the “Good Driver” rate protection?

The Government of Alberta announced short-term reforms to the auto insurance system. This includes “Good Driver” rate protection.

You are eligible for “Good Driver” rate protection if you have:

  1. No at-fault claims in the last six years
  2. No Criminal Code traffic convictions in the last four years
  3. No Major traffic convictions in the last three years
  4. No more than one Minor traffic conviction in the last three years

There are exceptions to the “Good Driver” rate protection:

  • You move from a lower-risk rating territory to a higher-risk rating territory (as defined by your insurer)
  • You add a new driver to your policy who has a poor driving record
  • You acquire a new vehicle, or modify your existing vehicle

Examples of “Major” driving convictions:

  • Distracted driving
  • Failing to remain at the scene of an accident
  • Speeding in a school zone or playground zone
  • Exceeding the speed limit by more than 50 kph
  • Failing to stop for a school bus.

Examples of “Minor” driving convictions:

  • Speeding, but less than 50 kph over the limit
  • Following too close
  • Failing to stop and/or failing to yield

To find a full list of what traffic offences are considered “major” or “minor,” refer to the Grid Guidance.