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Your place on the scale each year depends on your driving record over the past year.
Each year, we'll send you a notice showing where you sit on the DSR scale, and what you owe for the next year.
No traffic convictions or at-fault accidents? You’ll move up the scale. If you have traffic convictions or at-fault accidents, you’ll move down the scale.
Moving up the scale means more merits, which usually results in lower premiums. Moving down the scale means fewer merits (or more demerits), along with higher premiums, in most cases.
Each year of safe driving = one level up the scale
If you're on the positive side of the scale, or "in the green", you'll move up one level for each year you drive safely.
Changing to safe driving moves you way up the scale
If you’ve had a history of high-risk driving, and are on the negative side of the scale, one year of safe driving raises your Driver Safety Rating substantially.
For example, someone with 20 demerits, who has an active licence, moves up the scale by seven levels for one year of safe driving.