Demerit points are only applied only after the ticket is paid or the driver or a court date. Demerits are accumulated not lost.
The Ontario Demerit Point System
The insurance is affected by convictions and suspensions, demerits can create a compounding effect.
G1 Drivers have strict limitations for the accumulation of demerits that cause licence suspensions
G2 Drivers have strict limitations for the accumulation of demerits that cause licence suspensions
Demerit Point Law
The law on demerit points is in Ontario Regulation 339/94, detailing the demerit point system for all drivers.
Out of Province Demerits
Other provinces and some US states have reciprocal agreements to share convictions and demerit points.