On top of being a legal requirement, getting the right car insurance protects you and your car in case of any emergencies. So, with Johnson car insurance, we’ll always be by your side. Just like man’s best friend.
It all starts with you
Where you live helps determine the insurance you need.
Auto insurance not offered in BC, SK, NU or MB through Johnson.
Visit Johnson Assurance - Quebec for plans available in QC.
These are the standard car insurance coverages required by law:
We’ll protect you if you’re involved in an accident where you’re deemed liable. This includes coverage for damages made to
another person or vehicle.
We’ll provide coverage for injury or death caused by an unidentified or uninsured driver.
You’ll receive benefits if you’re injured in an accident, no matter who caused it. This includes coverage for income replacement, medical
expenses, benefits for non-earners, and more.
This is an optional coverage in Newfoundland & Labrador.
Direct Compensation - Property Damage
This provides coverage for damage to your vehicle if another person was fully or partly at fault for the accident. Even though someone else
causes the damage, you collect directly from your insurer.
Go the distance with these add-ons
Loss of Use
If your vehicle is getting repaired due to damage covered under your policy, we’ll get you a replacement or reimburse you for reasonable transportation costs.
This covers damage to vehicles you drive, but don’t own—like a rental car. In some cases, you’ll also get access to other standard coverages.
A new car's value depreciates quickly. This cover adds value back to your vehicle in the event of a claim.*
Popped tire? Locked out? Need a tow? Give us a call and we’ll get you help.
How to save
There are many ways to save on car insurance. No coupons needed.
Rewarding safe drivers
You could get a discount if you haven't had any traffic violations within the last 3 years.
Group members can save even more
If you belong to an eligible group, it could offer group rates. These groups may include employees of the same company, members of a union, or members of other profit and non-profit associations.
Combine and save
Insure both your car and home through Johnson for additional discounts.**
The more you insure, the more you save
Insure more than one vehicle for extra savings.
We’ll find ways to lower your premium
If your child is studying away from home without regular access to your vehicle, list them as an occasional driver on your policy. They’ll still be insured, but you could save on your rates since they drive less.
Enjoy more without paying more
Get these benefits with your car insurance, regardless of the coverages you choose.
Whenever you need us, we’ll be here to help. All day, every day.
First Accident Forgiveness
Available to eligible drivers because there’s a first time for everything, even accidents. With first accident forgiveness, your driving record at Johnson won’t change as a result.
What affects your rates
Here’s the insider knowledge on what we look for when determining your premiums.
We look at your car’s make, model, cost of parts, and claims history to see how likely it is to be involved in an accident or stolen.
Where you live
With more people and vehicles on the road, living in a larger urban area could increase the likelihood of an accident.
How much you drive
Do you commute or drive to different locations for work? Or just now and then for convenience? How often you’re behind the wheel could affect your rates.
Your experience on the road and any previous driving accidents or convictions could affect your rates.
Any optional coverages you select will affect your rates. We’re happy to work with you to find the coverages that suit your needs best.
The higher the deductibles you choose, the lower your insurance rates are. However, higher deductibles mean you pay more upfront if an accident happens, so it’s important to find the balance that’s right for you.
The changing world of insurance
Beyond your circumstances, there are external factors that affect insurance rates for all Canadians; like the rising number of claims. In general, claims are becoming more frequent and more expensive due to:
- The rise of extreme weather events and weather-related accidents
- Lower interest rates making cars more affordable—more cars on the road can lead to more collisions
- Increased instances of distracted driving, which can also cause collisions
- Vehicle technology advances increasing the cost of repair and part replacement
Learn more about what affects your car insurance rates on The BlogHouse.
More than just insurance
We know that our coverage is just the beginning. We'll help answer your questions and give you the tips and tricks you need before getting in the driver's seat.
Insurance 101 – What to know when borrowing a car
Before getting behind someone else’s wheel, you need to know that your insurance does not necessarily follow you as a driver.
When driving someone else’s car, you would be covered under their insurance policy while driving their vehicle, as long as you:
- Have a valid Canadian driver’s licence.
Not from Canada?
Travellers from outside Canada can check with the regulatory body of the province they will be driving in.
- Are using the vehicle with the owner’s permission.
- Haven’t committed a crime under Canada’s Criminal Code while operating your car.
- Don’t use the vehicle for one of the uses not allowed in the vehicle owner’s policy (for example, no racing).
- Are not specifically excluded from driving their vehicle.
If you have an accident while driving someone else’s car, you will need to present proof of insurance. You should make sure that you have this before borrowing the vehicle.
If the car's owner doesn't have insurance, there may still be limited coverage under your own policy to protect you, however, not all of your usual coverages are provided. Also, keep in mind that your coverage won’t apply when driving a car owned by someone else in your household.
Have questions? We’re here to answer them
A Vehicle Identification Number (VIN) (also known as a serial number) is a 17 character code of letters and numbers that identifies your vehicle. You can find your VIN in several places:
- On top of the dashboard on the driver’s side
- Inside the driver’s side door
- On forms such as your bill of sale, registration card, and/or vehicle permit
When you are entering your VIN, keep in mind the following:
- A VIN never has the letters I, O, or Q
- The last five characters will always be numbers
- Some characters may look similar, such as: S & 5, D & 0, B & 8, G & 6, U & V, Z & 2
All customers may contact us by chat or phone. Please indicate your policy number, as well as your newly acquired vehicle's VIN, and the name and address of the company handling your lease or financing (if applicable).
The option to purchase $2 million in Third Party Liability Coverage is an excellent choice available to protect you and your family against the cost of damages you may be liable for. For instance, if you are covered for $1 million liability, and if there is a settlement against you for more than $1 million, your insurance will only cover $1 million of the settlement - you'll be responsible for any additional amount.
If you'd like to make changes to the drivers on your vehicle, you can contact us by chat or phone. Please reference your policy number for quicker service and have ready the new driver's licence number, driving history, full name and date of birth.
We want you to know that we’re still here to support you!
Read more about our COVID-19 relief efforts and get answers to your most common questions through our COVID-19 page.
On The BlogHouse
Articles and resources to help you save money and live better
Johnson Insurance is a tradename of Johnson Inc. (“Johnson”), a licensed insurance intermediary, and operates as Johnson Insurance Services in BC and Johnson Inc. in MB. Car insurance not available in BC, SK or MB. Home and car insurance not available in NU. Home and car policies primarily underwritten, and claims handled, by Royal & Sun Alliance Insurance Company of Canada (“RSA”) in Quebec and underwritten exclusively, and claims handled, by Unifund Assurance Company (“Unifund”) in the rest of Canada. Described coverage and benefits applicable only to policies underwritten by Unifund or RSA. Johnson, RSA and Unifund share common ownership. Eligibility requirements, limitations, exclusions or additional costs may apply, and/or may vary by province or territory.
*Waiver of Depreciation is only applicable to select vehicles based on qualifying risks.
**Bundled savings applied to home insurance policies where both home and auto policies are underwritten by Unifund.