Your roadmap to car insurance that's right for you

Car Insurance

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:

  • Liability

    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.

  • Uninsured Automobile

    We’ll provide coverage for injury or death caused by an unidentified or uninsured driver.

  • Accident Benefits

    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.

Insurance that goes the extra kilometre

Go the distance with these add-ons.

Comprehensive Coverage

This covers against fire, theft, vandalism, falling objects, windshield damage and other types of damage, not related to a collision.

Collision Coverage

This pays for damage caused by collision with another vehicle or object, or if your car rolls over.

All Perils Coverage

This covers your vehicle by combining Comprehensive and Collision coverages—and best yet, you’ll only pay one deductible.

Additional coverages

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.

Rental Vehicle

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.

Depreciation Waiver

A new car's value depreciates quickly. This cover adds value back to your vehicle in the event of a claim.*

Roadside Assistance

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.

Conviction-free

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.

Group discount

Combine and save

Insure both your car and home through Johnson for additional discounts.**

Bundle home & car

The more you insure, the more you save

Insure more than one vehicle for extra savings.

Multi-vehicle

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.

Student discount

Enjoy more without paying more

Get these benefits with your car insurance, regardless of the coverages you choose.

24/7 Claims

Whenever you need us, we’ll be here to help. All day, every day.

First Accident Forgiveness

There’s a first time for everything, even accidents. So, when your first accident happens, your premium won’t increase as a result.

AIR MILES®

You’ll earn 1 AIR MILES® reward mile for every $20 in premium paid, including taxes.±

What affects your rates

Here’s the insider knowledge on what we look for when determining your premiums.

Your vehicle

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.

You

Your experience on the road and any previous driving accidents or convictions could affect your rates.

Optional coverage

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.

Your deductible

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.

Ready to get a quote?

We’ll make it easy. Get your online car insurance quote in just a few minutes.

 

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

How do I find my VIN or serial number?

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
How do I add or replace a car on my policy?

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).

What's the difference between $1 million and $2 million liability?

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.

How do I add a new driver to my vehicle?

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.

On The BlogHouse

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Disclaimer

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 primarily underwritten, 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.

 

±AIR MILES® Reward Miles awarded only on regular home and auto insurance policies underwritten by Unifund or RSA (in Quebec). At the time the premium is paid, one (1) Mile is awarded for each $20 in premium (including taxes). Miles are not available in SK or MB. In Quebec, up to a maximum of 15 AIR MILES Reward Miles per month, per policy. ®TMTrademarks of AM Royalties Limited Partnership used under license by LoyaltyOne, Co. and Johnson (for Unifund), and in Quebec Roins Financial Services Limited. READ MORE


*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.