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Your roadmap to car insurance that's right for you

Car Insurance in Newfoundland & Labrador

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, even when you experience all four seasons on the same day.

It all starts with you

Where you live helps determine the insurance you need.

These are the standard car insurance coverages required by law in Newfoundland & Labrador:

  • 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.

  • 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

Choose physical damage coverage.

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.

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.

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.

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.

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

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 in Newfoundland & Labrador

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.


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 car insurance quote in Newfoundland & Labrador?

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.

Everything you need to know about renting a car in Newfoundland & Labrador

Trying to decide if you should purchase auto insurance from your car rental company? With our Rental Vehicle coverage option, there’s no need. We’ll extend your standard insurance coverage to you rent while in the U.S. or Canada, including Newfoundland & Labrador. Otherwise, you should purchase the insurance offered by the rental company to make sure you stay protected no matter where your travels take you. Tip: If you’re looking to rent a car during Newfoundland & Labrador’s busy summer months, be sure to book well in advance with your car rental company.

Have questions? We’re here to answer them

Am I covered when I drive someone else’s 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.

Are the basic compulsory coverages enough?

Generally they aren't enough. Why? Here are some facts to consider:

  • In most provinces, the mandatory minimum Third Party Liability coverage is $200,000. You would be responsible for any damages above that amount. Many courts are awarding a million dollars or more in Canada.
  • Most provinces don't require you to insure for damage to your vehicle. But can you afford to pay for significant damage if you're in an accident? If you've taken a loan or if you lease your car, you're still responsible for making the payments, even if your car is written off.
  • In Newfoundland and Labrador, you don't have to have Accident Benefits coverage. But the financial consequences of an injury can be much more than your provincial health care will cover and you won't have income loss protection either.
What should I know before I lend my vehicle to someone?

You may not know that when you lend your vehicle, you're also lending your insurance. That's because any claims will be made through your insurance, not the driver's - which may impact your driving record.

For that reason, your policy requires that the driver you're loaning the vehicle to be qualified and/or licensed to drive, depending on the province. Additionally, the same rules outlined in your policy apply to the other driver. For example, if your policy only allows personal use, the person borrowing your car cannot use it for deliveries or Uber.

If you routinely loan your car to the same person or they live in your household, you should name them on your policy as an occasional driver, too .

What’s an underage occasional driver charge?

In insurance terminology, “underage occasional driver charge” usually applies to an underage driver (under the age of 25) or a driver with less than (9) years of driving experience. This will vary by province.

Need more information about COVID-19 and your insurance?

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.

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Johnson Insurance is a trade name of Johnson Inc. (“JI”), a licensed insurance intermediary, and operates as Johnson Insurance Services in British Columbia and as Johnson Inc. in Manitoba. Outside of Quebec, home and car policies underwritten, and claims handled by Unifund Assurance Company (“UAC”). Described offers are applicable only to policies underwritten by UAC. Car insurance not available in BC, SK or MB. Home and car insurance not available in NU. JI and UAC share common ownership. Eligibility requirements, limitations, exclusions or additional costs may apply, and/or may vary by province or territory.

Visit Johnson Insurance - Quebec for plans available in QC.

*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.