Car Insurance in New Brunswick
On top of being a legal requirement, getting the right car insurance protects you and your car in case of any emergencies. So, with car insurance through Johnson, we’ll always be by your side, from the Bay of Fundy to the Miramichi.
It all starts with you
These are the standard car insurance coverages required by law in New Brunswick:
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.
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.
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 auto insurance in New Brunswick. No coupons needed.
Extra safety means an extra discount
Getting your vehicle winter-ready could help you save on insurance in New Brunswick.
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
There’s a first time for everything, even accidents. So, when your first accident happens, your premium won’t increase as a result.
You’ll earn 1 AIR MILES® reward mile for every $20 in premium paid, including taxes.±
What affects your rates in New Brunswick
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.
How to get a level 2 licence in New Brunswick
In order to graduate to a Level 2 licence in New Brunswick, a driver must complete the following1:
- Completion of Level 1 licence: The driver must pass a written test which covers signage and the rules of the road. They also need to complete a vision test, and have at least 20/40 vision in their best eye.
- The driver must be at least 16 years of age plus 8 months, or 17 years of age if they have not completed a driver training course.
- Must successfully pass their Level 2 road test.
Once you’ve got your Level 2 licence in hand, give us a call. We’ll get you set up with an insurance plan that’s right for you.
Have questions? We’re here to answer them
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.
All drivers in Canada are required by law to have a minimum amount of Third Party Liability Coverage.
Third Party Liability Coverage protects you if someone else is seriously injured or dies, or if their property is damaged, caused during the use of your vehicle. It will pay for claims as a result of lawsuits against you up to the limit of your coverage, and will pay the costs associated with settling the claims.
Many claim settlements are in the millions of dollars. Should there be a court settlement against you higher than the liability limit on your policy, the court judgement would then be applied against you and your assets.
Please contact us if you would like to discuss increasing your Third Party Liability Coverage.
Insurers usually consider accidents for the past six years when setting premiums.
This covers the cost of damage to your vehicle in a collision or overturning which you're responsible for. It covers single or multiple vehicle collisions. It also covers you if the responsible party is unknown/unidentified. It doesn't cover mechanical breakdown, or wear and tear.
This coverage is optional in most provinces, but if you finance or lease a vehicle, the financial institution may require you have it
On The BlogHouseRead all articles
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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.