Auto Insurance in Newfoundland & Labrador

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Car Insurance Coverage for Newfoundland & Labrador

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Independent Broker

Auto insurance in Newfoundland and Labrador is provided by many companies, and they all want you to insure your vehicles with them. As an independent insurance broker, we pride ourselves on providing straightforward, uncomplicated, and honest advice. When you choose to purchase your auto insurance with Wedgwood, you can rely on the most up-to-date and impartial advice. We shop around on your behalf to find the best policy at an affordable price.
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Get Your Free Insurance Quote Today

If you’re looking for car insurance, or truck insurance, one of our professional advisors will be happy to explain the types of coverage we can offer and give you a free quote. Your automobile can be a fairly costly investment – one that is exposed to many potential losses that are out of your control. We’ll make sure you have the protection you need at a price you can afford.
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Combine Your Home & Auto Insurance

Getting your home and auto insurance from the same company will often result in a discount. These discounts can range anywhere from 10 percent to 25 percent of the policy premium, resulting in significant savings for policyholders who qualify.
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suv

Auto Insurance

Auto insurance or car insurance, call it what you want but, yes, in Newfoundland & Labrador, before you get behind the wheel of any motor vehicle, you need insurance. It’s the law.

No matter how confident you feel behind the wheel, our government has laws in place that require insurance to cover damage you may cause to other people’s vehicles and property, as well as to help assist you with medical care should you be injured in an accident.

When you get behind the wheel of any vehicle in Newfoundland and Labrador, you are under a legal obligation to be properly insured. The law requires you to be insured so that there will be adequate coverage if you have an accident that injures someone or damages their property. The insurance is also intended to provide for medical coverage should you be injured.

The Basics

A car or truck is often your biggest asset aside from your home. Auto insurance protects against potentially crippling financial losses and the sheer inconvenience of being without transportation.

Collision Insurance

This covers your vehicle when it’s in an accident with another vehicle. It also covers you for certain things that are not covered under standard comprehensive insurance, like hitting a tree or other stationary object.

Liability Insurance

This covers you if you are responsible for an accident that injures people or damages their property. In Newfoundland and Labrador, it is a legal requirement for every driver to have liability insurance.

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When it comes to insurance, you need more than just coverage. You need a trusted advisor. Our insurance advisors will custom-design an insurance program that is tailored to meet your specific needs. Let’s get started on your insurance quote today.

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The Wedgwood team of insurance brokers is one of the most thorough, detail oriented and professional groups I have ever dealt with professionally and personally. I would recommend them for all insurance solutions.

Gerard DunphyHome Insurance

Sabrina Murrin has been looking after our accounts for the past number of years now and always has our best interest in mind. She is very thorough, professional, adds a personal touch and make us feel that our business is important to her and Wedgwood Insurance.

John KingAuto Insurance

Extremely professional and efficient. We find Wedgwood very quick to respond to any inquires or assistance we need & keep us updated regarding any changes in our market for coverage.

Dean HickeyCommercial Insurance

Sherry at Wedgwood made my insurance decision easy! She is friendly and diligent! Made sure that I have proper coverage and great premiums! The best part, when I called her, she answered the phone! I was not on hold for an hour like I would be previously with the "other" insurance company!!

Tracey PerryHome & Auto Insurance

How can auto insurance protect you?

Explore how having the right insurance can protect you from the unexpected.

Auto
Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.

Solution

The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Need more info? Check out our most frequently asked questions for auto insurance.

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