Car Insurance in Nova Scotia
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 Cabot Trail to Peggy’s Cove.
It all starts with you
These are the standard car insurance coverages required by law in Nova Scotia:
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.
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 auto insurance in Nova Scotia. No coupons needed.
Extra safety means an extra discount
Getting your vehicle winter-ready could help you save on insurance in Nova Scotia.
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.
If you’re a principal driver with no at-fault accidents, violations or convictions in the past 6 years, you could save.
Your driving history counts
You could get a discount for being an insured and accident-free principal driver for 3+ years.
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 Nova Scotia
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.
Making the most of your Nova Scotia road trip
Planning a Nova Scotia road trip? Follow these practical tips so that you can make the most of everything the province has to offer.
- Before hitting the road, check your vehicle:
- Make sure all your tires are properly inflated.
- If appropriate, ensure you have proper winter tires to help you manage in snowy or icy conditions.
- Make sure all your vehicle’s fluids (oil, transmission fluid, windshield washer fluid, etc.) are all topped up to a proper level.
- Make sure your wipers are functioning properly for frosty conditions or unexpected showers.
- Understand the drive and plan your stops:
- Check traffic apps to find out the best routes and times to avoid delays.
- Book your accommodations early. Nova Scotia is a popular tourist destination!
- Learn some of the history of the places you’ll be visiting. Road trips are all about discovering new things.
Enjoy your adventure!
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.
This is a coverage available in Ontario, Nova Scotia, Prince Edward Island, Newfoundland and New Brunswick.
Direct Compensation Property Damage means that you deal with your own insurance company for a claim, regardless of who is at fault for the accident and your claim will be processed without waiting for a third party decision. In some provinces, this covers damage to your vehicle and/or its contents if another person was fully or partly at fault for the accident.
It is called direct compensation because even though someone else causes the damage, you collect directly from your insurance company. It is a standard inclusion in your policy when you purchase third party liability insurance.
No-Fault Insurance means you deal with your own insurance company for a claim, regardless of who is at fault for the accident. This means you can be reimbursed without waiting for legal responsibility to be decided for most types of injuries.
Fault is still assigned, even though we use the term no-fault insurance. Insurance companies estimate the degree of fault assigned to each driver as it affects premiums. In Nova Scotia, New Brunswick, Ontario, and PEI, this is based on fault charts or rules, to help keep decisions fair and consistent.
This coverage is available if you have an accident caused by someone who is uninsured (i.e. neither the owner or driver is insured) or not identifiable (for example, in a hit and run). You are covered by your own insurer thanks to Uninsured Motorist Cover (in Alberta) and Uninsured Automobile coverage (in other provinces). To qualify, the other driver has to have been at fault.
How much coverage is available?
You will be covered up to the statutory limit in the province where you live or the province where the accident took place, whichever is less. This is generally $200,000. The exceptions are Nova Scotia ($500,000) and Quebec ($50,000).
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 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.