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Newfoundlanders and Labradorians Deserve Better Auto Insurance


Newfoundland and Labrador drivers make more claims, which cost more to settle than drivers in other Atlantic provinces. That makes the system more expensive for everyone.

For the first time in 14 years, Newfoundland and Labrador is reviewing the auto insurance system. We need change.

It’s time to make the auto insurance system work better for everyone.



Get the facts:

  • Claims costs are out of control in this province. That pressure has put premiums out of reach and has made driving unaffordable for too many of us.
  • Provinces with a cap have lower premiums than drivers in Newfoundland and Labrador.
  • A pain and suffering damages cap would apply only to those injuries that resolve within days, weeks, or months – according to the definition of "minor injury."
  • A cap means you can still sue.
  • Most people in our province support a cap in minor injuries (Source: CRA polling data, 2018).

Learn more about what a cap really means for auto insurance in NL


The Review Process

For the first time in 14 years, Newfoundland and Labrador is reviewing the auto insurance system. Learn more.

The Problem

​In addition to high claim amounts, there are many factors fuelling the cost of auto insurance in this province. Learn more.

The Solution

Changes must be made so we have a sustainable auto insurance system that works for everyone. Learn more.