Winter Tire Discounts & Telematics in Newfoundland and Labrador
Newfoundland and Labrador's 2020 automobile-insurance reforms require insurers to offer a winter-tire discount for private passenger vehicles and allow insurers to offer optional usage-based insurance using telematics.
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.
Required availability does not mean one fixed discount
The province requires the winter-tire discount to be offered, but the amount is up to the insurer. Comparing insurers therefore requires the actual dollar premium and coverage configuration, not an assumed common percentage.
Telematics is optional for the driver
Usage-based insurance can collect information about where, how and when a vehicle is driven. The reform permits insurers to offer these programs but leaves participation to the consumer.
Ask what data changes the rate
Before enrolling in telematics, review what data is collected, how long it is retained, whether participation can affect renewal pricing and how the insurer explains discounts or other outcomes.
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.
Government of Newfoundland and Labrador — Automobile Insurance Changes 2020 →