Left Navigation NL - Better Auto Insurance Newfoundlanders and Labradorians pay more for auto insurance than drivers in other Atlantic provinces. With the cost of importing foods and goods contributing to the already high cost of living, the people of this province deserve an affordable auto insurance system that works for them. To understand why insurance costs what it does in Newfoundland and Labrador (NL), let’s take a closer look at a few things.Premium problems in NLHow insurance worksFixing the problemFAQs Newfoundlanders and Labradorians deserve better auto insurance. Get the facts: BetterAutoInsurance.caIt has been 14 years since a review of the auto insurance system was held in Newfoundland and Labrador. It is long overdue. Other provinces have found a balance for claims payouts, sustainable premium amounts and the ability to help accident victims better quickly. It's about time Newfoundland and Labrador joined them.We need to fix the current system. It now costs drivers in this province more in premiums than their counterparts pay elsewhere in Atlantic Canada. In fact, on average, premiums are 40% higher here. Drivers in this province are unhappy with their high premiums, their limited choice and the presence of uninsured drivers on the road.The provincial government is listening. By undertaking a review of the auto system, the government will consider how to encourage more insurers to compete in the marketplace and offer more choice and lower prices to Newfoundlanders and Labradorians.NL's Public Utility Board (PUB) is also listening. They will be seeking public input. If you have an opinion on what is wrong with the auto insurance system, or if you have ideas on how to fix it, we would like to hear from you: email@example.com.Speak out. Contact your member of the House of Assembly, Superintendent of Insurance, General Insurance Ombudsman and Public Utilities Board to request that auto insurance reforms be made a priority. Tell us your auto insurance story at firstname.lastname@example.org. All About Auto InsuranceRegardless of where you live in Canada, auto insurance is required by law. You are not authorized to drive without it. Related ServicesHow Car Insurance Premiums are CalculatedThe make, model and year of your car, the records of people who are insured to drive it and where you live are all considered by insurers when setting rates. You can lower your premium by making informed decisions.Types of Auto Insurance CoverageCollision, specified perils, comprehensive and all perils are among the additional coverages available for your vehicle. In general, these coverages are very similar across the country. Useful LinksInsurance BasicsWithout insurance, driving a car, buying a home or starting a business would be an unaffordable risk.Insurance-Buying TipsInsurance is a significant investment. Before you purchase coverage, getting answers to key questions can help you make informed decisions. Crisis ManagementIf you find yourself in a crisis situation, never admit liability. Facility AssociationFacility Association’s mission is to administer the automobile insurance residual markets, enhance market stability, and guarantee the availability of automobile insurance to those eligible to obtain it.