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A 15 point demerit leads to a licence suspension. In Ontario, accumulating 15 demerit points within a set period results in automatic penalties, which include a suspension of the driver’s licence. This is in place to discourage unsafe driving behavior and to promote responsible vehicle operation on the roads. Demerit points are assigned for various traffic offenses, and reaching this high level indicates a significant disregard for safe driving practices, prompting the Ministry of Transportation to take action to protect both the driver and the public.

In the context of the other options, while drivers may face discussions surrounding insurance premium changes based on their driving record, a point accumulation of this severity does not directly lead to a reduction in insurance. Similarly, licence renewal requirements and processes would not be affected by the accumulation of demerit points in a way that would lead to a positive outcome. Finally, while drivers may sometimes voluntarily surrender their licence for various reasons, the automatic consequence of reaching 15 demerit points is a suspension that can last for a specific period depending on the driver’s record and prior infractions.