Nova Scotia Mandatory Auto Insurance Coverage Explained
Nova Scotia uses private insurers, but the Insurance Act and standard policy set mandatory coverage layers. The legal minimum third-party liability limit is C$500,000, alongside mandatory accident benefits and uninsured/unidentified automobile protection.
What to know
Confirm the current insurer contract, regulatory decision or statutory wording before applying this point to a personal situation.
Confirm the current insurer contract, regulatory decision or statutory wording before applying this point to a personal situation.
Confirm the current insurer contract, regulatory decision or statutory wording before applying this point to a personal situation.
Confirm the current insurer contract, regulatory decision or statutory wording before applying this point to a personal situation.
The legal minimum is not the same as a recommended limit
C$500,000 is the statutory minimum third-party liability amount. A household can purchase a higher limit, and the useful comparison is the actual limit, premium and exposure rather than assuming the minimum is suitable for every driver.
Physical damage to your own vehicle is not one single coverage
DCPD can respond to the not-at-fault portion of qualifying collision damage, while optional collision, comprehensive, specified perils or all-perils coverage addresses different causes of loss to the insured vehicle.
Injury benefits and liability answer different questions
Accident benefits provide defined benefits to injured insured persons. Third-party liability addresses covered legal responsibility to others. Canada Rate Lab keeps those functions separate.
Verify the current Nova Scotia rule
Insurance regulations, rate filings and policy wording can change. Use the primary source below when making a purchase, renewal or claim decision.
Nova Scotia — Auto insurance discussion paper / standard product →