Skip to content


Car Insurance

Car Insurance - Newfoundland and Labrador

Mandatory Coverage

If you own and operate an automobile, you are required by law to insure it. The mandatory coverage Newfoundland and Labrador is comprised of:

Third-Party Liability

If you are responsible for an accident causing injuries or fatalities, or if your vehicle damages someone else’s property, you may be legally responsible.


You lose control of your vehicle on ice and cross the center line striking a van head on.

Role of Third-Party Liability coverage

Your insurer will defend you in case of a civil law suit and will make any payment required by law on your behalf, up to the amount specified in your policy. Minimum coverage for Third-Party Liability is $200,000, but most drivers choose $1 million.

Uninsured Automobile and Unidentified Automobile

What is it?

This section of your insurance policy covers you in the event of an accident with an uninsured driver or unidentified vehicle causing injury to you or damage to your vehicle.


  • If an identified but uninsured vehicle rear ends your car while you are stopped at an intersection, the damage to your vehicle will be covered.
  • If you are seriously injured after an unknown driver rear-ends you on the road and leaves the scene, you're entitled to recover damages (that you would be legally entitled to from that unidentified person) up to the limits in your policy.

Role of the Uninsured Automobile and Unidentified Automobile coverage

The role of this coverage is to enable you, under certain circumstances, to collect compensation directly from your insurer when a third party carries no insurance or cannot be identified.

Without this coverage, you would be in a weaker position to make claims in the event of an accident with another driver who does not carry insurance or is not identified.

Note: Damage to the vehicle caused by a hit-and-run is not covered under this section.

While Third-Party Liability and Uninsured and Unidentified Automobile coverage are mandatory in Newfoundland and Labrador, many people opt to add Accident Benefits to their basic coverage.

In case of discrepancy between the information provided on this website and your insurance policy, your insurance policy prevails. Remember, the exclusions and limitations specified in your policy apply in all circumstances.

The information and examples provided in this section are intended as general information only. This does not constitute legal or insurance advice, nor does it pertain to determination of fault. In all cases, you should speak to an insurance advisor before acting. Your insurance policy contains limitations and restrictions which vary by province and may affect your coverage and/or determine whether or not benefits will be payable.


Get an auto quote

It’s easy and takes less than
5 minutes!

Start My Quote


Need Help?1-800-338-0218


File a claim1-866-454-8910