South Coast Insurance Limited

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Newfoundland Car Insurance Coverage

Products available:
  • Private passenger vehicles
  • Motor homes
  • Motorcycles
  • ATVs / Snowmobiles
  • Antique vehicles

Think you need only minimum coverage on your vehicle? Think again.

While 200,000 liability limits will get you on the road, it may not be enough to pay the cost of a third-party claim, especially if you caused injuries to passengers in either vehicle. If you don’t carry enough insurance, you could have to pay thousands of dollars out of your pocket. Can you afford to be underinsured?

Accident Benefits

Section B coverage isn’t required in Newfoundland, but it’s coverage no one should be without. It covers you, your spouse, dependents living with you, occupants in your vehicle and pedestrians. Coverage includes medical payments and funeral expenses, death benefits and loss of income.

Additional Coverage

Loss of Use (due to an insured loss):
If you carry collision and comprehensive coverage, you can add Loss of Use coverage to provide you with a rental vehicle while yours is being repaired.

Family Protection:
This coverage is intended to relieve you of financial hardship if an underinsured third party causes injuries or death to you, your spouse or dependents. The SEF 44 endorsement raises the third party’s limits to the same amount you carry on your policy.

Accident Forgiveness:
This coverage protects your driving record if you have an accident.