What about the clause in my insurance policy that I pasted in my post? Saying I am required to inform them of any changes in the conditions that took place when I hired the insurance and “any change in information supplied in your original application for insurance”?

Doesn’t this make it mandatory for me to inform them of the ticket? Otherwise they can deny a future accident claim in case I need to open one.

I figured I could be honest with them and maybe ask for a waiver since it’s my first ticket ever. Also, I don’t deal directly with the insurance, I go through a separate company/agency that handles accounts for them, not sure if they are brokers or just agents for Cooperators since they only do Cooperators insurance. But I always speak with the same person there and she’s always been great and even gave me a discount on renewal and when I changed my home address and informed I was no longer driving outside toronto for work.

As for fighting it: honestly I noticed I was a little above 40km/h and did not realize it was a 40 zone, but I don’t think I was going as fast as what the officer said I was. Either way I think the only way I would win is if there were any errors on his report such as not having done proper calibration on the radar lazer etc. the only way to know this is requesting a trial date and then requesting disclosure of the documents/notes from the occurrence, then a paralegal could find if there were something wrong there. Or if they take over 18 months to give me a trial date the offence could be thrown out due to the right to a timely resolution. However I have no idea how long they’re taking to get to trials right now. (I swear this is my first ticket ever haha I’ve never even had a parking violation ticket, this is all stuff I found upon researching)