Auto, home, life and business insurance in Newfoundland and Labrador are sold by private companies. Accident benefits are additional coverage rather than required.
Auto insurance is mandatory and sold by private insurers. Every policy must include third-party liability (at least $200,000), direct compensation for property damage and uninsured automobile coverage. Accident benefits are listed as additional coverage rather than required, so ask what your policy includes.
Wind damage from storms is usually covered by home insurance, while flooding from rising water usually isn't unless you add overland flood coverage. Ask your advisor what is and isn't included, and what the deductible is.
Insurance is overseen by the Government of Newfoundland and Labrador, through Digital Government and Service NL (servicenl.gov.nl.ca/insurance). Contact it to confirm someone's licence.
Newfoundland and Labrador's public plan is the Medical Care Plan (MCP). It generally pays only part of emergency medical costs outside the province, and often much less outside Canada, which is why many travellers look at travel insurance. Read your plan's rules before you go.
General information, not advice. Rules change, so confirm with your province or territory, your insurer or a licensed advisor. Facts on this page were last checked in November 2026.
Yes. Every policy must include third-party liability (at least $200,000), direct compensation for property damage and uninsured automobile coverage. Accident benefits are available as additional coverage.
Private insurance companies, through brokers and agents. The province or territory sets the minimum coverage every auto policy must include.
Contact the Government of Newfoundland and Labrador, or look someone up on its website if it has a lookup tool. An advisor should be glad to tell you which licence they hold.
It usually pays only part of emergency medical costs outside Newfoundland and Labrador, and often much less outside Canada. Many travellers add travel insurance. Read your plan's rules before you go.
Yes. Tell us what you need and where you live, and we'll pass your request to a licensed insurance advisor who can help in Newfoundland and Labrador. It's free, and talking to an advisor carries no obligation.