At what point do demerit points start to affect your insurance rates?

Demerit points begin to affect your insurance rates immediately upon accumulation because insurance companies often evaluate the driving record of their policyholders. When a driver accumulates demerit points, it signals to insurers that there may be a higher risk associated with that driver's behavior on the road. Insurers can access your driving history, and the presence of demerit points can lead to increased premiums or even difficulty obtaining coverage, as insurers may perceive you as a higher risk.

The other options represent different timelines that do not reflect how insurance companies assess risk. For instance, the period after the first year or the G1 period does not change how demerit points are considered. A suspension may have its own implications for coverage but does not relate to the immediate effects of accumulating points on insurance rates. This highlights the importance for drivers to maintain a clean driving record to avoid increased insurance costs.