Driving in New Brunswick? You’ll need insurance.
If you own a car, having insurance isn’t just a good idea—it’s required by law. It helps protect you, your passengers, and others on the road if something goes wrong.
Every registered vehicle in New Brunswick must have these four types of coverage:
Covers costs if you’re found responsible for injuring someone or damaging their property while driving.
It does not cover the cost of repairs to your own vehicle.
The legal minimum coverage in New Brunswick is $200,000, but drivers may choose more for added protection.
If another driver causes damage to your vehicle, you work directly with your own insurer to settle the claim.
Covers damage to your vehicle and its contents.
Includes loss of use coverage (e.g., rental car, taxi, transit) while your vehicle is being repaired.
Applies when the other driver is found to be at fault.
Helps with recovery if you or your passengers are hurt in a collision.
Covers medical care, rehabilitation, funeral expenses, and lost income.
It’s “no-fault,” which means your insurer pays, even if the accident wasn’t your fault.
Protects you in case the other driver doesn’t have insurance -- or disappears after a hit-and-run.
Covers injuries and damage to your car.
If your car is damaged, you’ll usually pay a $250 deductible.
Want more protection? You’ve got options.
Optional coverage lets you tailor your insurance to fit your life, your car, and your comfort level.
Helps pay for damage to your car if it’s involved in a rollover or collision with another object, like another vehicle, a guardrail, or a tree.
You’ll usually pay a deductible (a set amount) before your insurer pays the rest.
Applies even if you’re partly at fault.
Covers damage not caused by a crash—like theft, vandalism, fire, or falling objects.
You’ll pay a deductible, except in cases where your entire vehicle is stolen or destroyed by fire.
Most auto policies don’t cover personal items stolen from your car—like golf clubs, electronics, or clothing. Your home or tenant insurance might. Check your policy to be sure.
Adds extra protection you or a family member are injured by another driver who does not have enough insurance to pay the injury claim.
Covers the difference between what the other driver’s insurance pays and the amount of the injury claim, up to the coverage that you have on your own policy
You may be offered “GAP” and "replacement cost" insurance when purchasing a vehicle from an automobile dealership.
GAP insurance covers the difference between what you owe on your loan and what your insurer pays if your car is written off.
Replacement cost insurance helps cover the price of a new vehicle if yours is totaled.
Before buying from a dealership, check if the dealership holds a restricted insurance representative licence, and check with your insurer before buying to be sure that you are not already covered.
Talk to your insurance provider about what makes sense for your budget and lifestyle. Optional coverage can give you peace of mind, but it also adds to your premium.