A G1 or G2 driver is convicted of a Highway Traffic Act offence carrying four or more demerit points — for the third time. Under Ontario's escalating penalties, what happens?

Correct answer: B. The novice licence is lost — they re-apply from the beginning, losing all time credits and fees paid

They lose the novice licence altogether and start the whole process again. The escalating-penalty ladder runs 30 days for a first offence, 90 days for a second, and then: "For a third offence: you will lose your novice licence. You will need to re-apply for your licence and start all over, taking all tests and paying all fees. You will also lose any time discount you earned, any time you were credited, and any fees you have paid." The last sentence is the one that stings — a driver who shortened their wait with a ministry-approved driving course loses that credit too. Escalating penalties apply to breaches of the graduated licensing rules as well as to any HTA offence worth four or more points, and even to a court-ordered suspension for an offence that would have carried four.

Source: MTO Driver's Handbook: Understanding demerit points — Escalating penalties for novice drivers