i.
What the charge means
Section 2(1) of the Compulsory Automobile Insurance Act prohibits operating or permitting the operation of a motor vehicle on a highway unless it is insured under a motor vehicle liability policy.
Compulsory Automobile Insurance Act s.2(1)
No Insurance charges in Caledon, Ontario.
Quick Answer — Caledon
Driving without valid insurance in Ontario carries a minimum fine of $5,000 for a first offence — one of the highest mandatory minimums under the Highway Traffic Act. Beyond the fine, a conviction causes severe long-term insurance consequences and can make coverage difficult to obtain at standard rates. These charges are worth contesting.
There is no transit in Caledon, so when insurance lapses the driving usually does not stop — work, school and everything else are a long drive away and there is no other way to get there. That is not a defence, and Point Duty Traffic Court Defence will not pretend otherwise, but it is the reason most Caledon no insurance charges exist and it is worth the Old Church Road court hearing it properly rather than not at all.
Operating a motor vehicle without valid insurance is one of Ontario's most heavily-penalised driving offences — fines start at $5,000 and the long-term insurance consequences often exceed the fine itself.
- Courthouse
- Caledon Provincial Offences Court
- Court Phone
- (905) 584-2273
- Consultation
- Free & Confidential
ii.
Penalties
First offence: minimum $5,000 fine, maximum $25,000, plus a 25% victim fine surcharge. Subsequent offences: $10,000 to $50,000. Possible licence suspension up to one year and vehicle impoundment up to three months. After conviction, obtaining insurance often requires the Facility Association at high-risk premiums for several years.
iii.
Available defences
- Valid insurance was in effect at the time (proof of coverage)
- Honest but mistaken belief in coverage (e.g., a renewal lapse)
- Identification of the driver
- Charter — unlawful stop or detention
- Due diligence in maintaining coverage
iv.
The process
Provincial Offences Court. Given the severity, almost always benefits from professional representation. Crown is often willing to reduce or withdraw where proof of coverage at the time can be located, even after the fact.
v.
Notes for Caledon
Caledon traffic and Provincial Offences Act matters from Caledon OPP and the Town of Caledon bylaw are heard at the Caledon POA Court on Old Church Road. Criminal matters from Caledon proceed at the Orangeville Courthouse on Louisa Street.
Traffic / POA Court
Caledon Provincial Offences Court
6311 Old Church Road, Caledon, ON L7C 1J6
(905) 584-2273
Town of Caledon provincial offences only. Dufferin County matters go to the Orangeville POA court, which is a separate operation.
Local practice notes reviewed 2026-09-11
Common Questions — Caledon
Where is a no insurance charge heard in Caledon?
- Caledon no insurance matters are heard at Caledon Provincial Offences Court, 6311 Old Church Road, Caledon, ON L7C 1J6. The court's number is (905) 584-2273. Point Duty appears there.
Who lays no insurance charges in Caledon?
- In Caledon, no insurance charges are laid by Peel Regional Police and OPP. The charge is then heard at Caledon Provincial Offences Court.
How long does a no insurance charge take in Caledon?
- Point Duty Traffic Court Defence sees Peel traffic matters run 6 to 12 months from charge to resolution. It varies more here than it does in Toronto, where the range sits at the top of that band rather than across it.
How does the prosecutor handle no insurance in Caledon?
- Peel prosecutors will resolve a matter either way. You can ask for an early resolution meeting, and the trial date is still a live opportunity to deal — a real difference from Toronto, where the prosecutors have been saying resolutions are not available on the date of trial. On a first offence the usual landing spot in Peel is a reduction to a lesser offence. Point Duty Traffic Court Defence works both openings at the Mississauga, Brampton and Caledon courts.
What else should I know about Caledon Provincial Offences Court?
- Reopenings can be emailed to the Peel Provincial Offences courts. That is worth knowing if you have dealt with Toronto, where a reopening has to be delivered in person and cannot be emailed. Peel has three separate POA courts — Mississauga on Burnhamthorpe Road, Brampton on Ray Lawson Boulevard and Caledon on Old Church Road — and your ticket goes to the one for the municipality where it was issued.
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