Newfoundland and Labrador Mandatory Auto Insurance Coverage
Newfoundland and Labrador uses private automobile insurers. The Board of Commissioners of Public Utilities says vehicle owners must buy at least C$200,000 of third-party liability coverage and uninsured motorist coverage through a private insurer.
What to know
Confirm the current provincial rule, PUB order or policy wording before applying this point to a personal situation.
Confirm the current provincial rule, PUB order or policy wording before applying this point to a personal situation.
Confirm the current provincial rule, PUB order or policy wording before applying this point to a personal situation.
Confirm the current provincial rule, PUB order or policy wording before applying this point to a personal situation.
The statutory minimum is not a personal coverage recommendation
C$200,000 is the legal floor identified by the Board, not a conclusion about the right liability limit for every household. Compare actual limits, exposures and premium differences before choosing coverage.
Registration and insurance are electronically linked
The province's Insurance Validation Program uses the vehicle identification number to confirm mandatory coverage when registrations are renewed and can trigger suspension steps when valid coverage cannot be confirmed.
Mandatory and optional coverage should stay separate
Liability and uninsured-motorist protection answer different questions from collision, comprehensive and other optional physical-damage coverage. Canada Rate Lab avoids the vague term 'full coverage' when the actual policy components can be listed.
Verify the current Newfoundland and Labrador rule
Insurance legislation, Board-approved rates and policy wording can change. Use the primary source below when making a purchase, renewal or claim decision.
Newfoundland and Labrador PUB — Automobile Insurance Q&A →