What is Johnson Insurance car insurance worth? 2025 review
Our expert's review on Johnson Insurance
I've analyzed the Johnson Insurance car insurance contract, and it stands out with a unique model focused on group benefits rather than publicly tiered formulas. Its strengths are in the included features like First Accident Forgiveness, a single deductible for bundled home and auto claims, and comprehensive Roadside Assistance, though specifics on reimbursement ceilings and deductibles require a direct quote.
Compared to its competitors, Johnson carves out a niche by offering potentially lower pricing through exclusive group rates and bundling discounts, making it a strong value proposition for eligible members.
This insurance is particularly well-suited for members of professional or employer groups and for households looking to combine their home and auto policies with a single insurer.
Underwritten by established insurers Unifund and Royal & Sun Alliance, Johnson offers solid reliability and a 24/7 claims service, although public data on reimbursement times is not available, and the brand is currently transitioning to belairdirect, so customer ratings are not directly visible.
- ✅Exclusive rates for group members
- ✅First Accident Forgiveness included
- ✅Single deductible for combined policies
- ✅Roadside assistance across Canada/U.S.
- ✅24/7 claims service availability
- ✅AIR MILES® rewards on premiums
- ✅Discounts for bundling policies
- ❌Coverage and plan details not public
- ❌Final pricing requires broker consultation
- ❌Not available in BC, SK, MB, or NU
- ❌No public customer review scores
- ❌Strict eligibility for certain driver profiles
Our expert's review on Johnson Insurance
- ✅Exclusive rates for group members
- ✅First Accident Forgiveness included
- ✅Single deductible for combined policies
- ✅Roadside assistance across Canada/U.S.
- ✅24/7 claims service availability
- ✅AIR MILES® rewards on premiums
- ✅Discounts for bundling policies
- ❌Coverage and plan details not public
- ❌Final pricing requires broker consultation
- ❌Not available in BC, SK, MB, or NU
- ❌No public customer review scores
- ❌Strict eligibility for certain driver profiles
Score- ✅Exclusive rates for group members
- ✅First Accident Forgiveness included
- ✅Single deductible for combined policies
- ✅Roadside assistance across Canada/U.S.
- ✅24/7 claims service availability
- ✅AIR MILES® rewards on premiums
- ✅Discounts for bundling policies
Compared to its competitors, Johnson carves out a niche by offering potentially lower pricing through exclusive group rates and bundling discounts, making it a strong value proposition for eligible members.
This insurance is particularly well-suited for members of professional or employer groups and for households looking to combine their home and auto policies with a single insurer.
Underwritten by established insurers Unifund and Royal & Sun Alliance, Johnson offers solid reliability and a 24/7 claims service, although public data on reimbursement times is not available, and the brand is currently transitioning to belairdirect, so customer ratings are not directly visible.
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The Johnson Insurance car insurance guarantees
Johnson Insurance mainly markets car insurance with built-in accident forgiveness, group discounts, and roadside assistance, but does not publicly detail specific coverage tiers such as basic liability, collision, or comprehensive.
Benefits like single deductible if you bundle home and auto, AIR MILES rewards, and critical illness cover add competitive value, while coverage limits and deductibles are only confirmed during quoting or via a broker. All-risk, comprehensive, and optional benefits (e.g., legal, personal belongings, extended liability) are not listed as separate modules, which distinguishes it from many Canadian competitors whose plans are more transparent online.
The lack of full exclusions, reimbursement ceilings, and standard plan names may limit clarity for shoppers seeking detailed comparisons. As Johnson Insurance transitions to belairdirect, personalized policy structuring and digital services are expected to align with broader market standards for flexibility and online management.
| Warranty name | Johnson Insurance Car Policy |
|---|---|
| Formula positioning | Group-discounted à la carte offer |
| Type of cover | Customizable; details at quote |
| Reimbursement rate (% of damages covered) | NC |
| Annual reimbursement ceiling (maximum amount reimbursed per year) | NC |
| Policy excess (per claim and/or annually) | NC; single deductible for bundled claims |
| Waiting period (before certain guarantees take effect) | NC |
| Minimum/maximum age for subscription | NC |
| Prior risk assessment (medical questionnaire, telematics, driving history) | Driving history; check at quote |
| Payment facilities | Monthly and annual payment options |
| Advance payment of claim-related costs | NC |
| Compensation at purchase value/agreed value/replacement value | NC |
| Third-party liability (bodily injury and property damage to others) | Mandatory; limit set at quote |
| Own vehicle damage (collision, regardless of fault) | Optional module; add at quote |
| Theft of vehicle (partial or total) | Optional module; add at quote |
| Fire (accidental or criminal) | Optional module; add at quote |
| Broken glass (windscreen, windows, sunroof) | Optional module; add at quote |
| Natural disasters (hail, flood, storm, etc.) | Optional module; add at quote |
| Acts of vandalism | Optional module; add at quote |
| All-risks damage (accidents of any cause, including at-fault) | May be available; add at quote |
| Driver personal injury cover (death, disability, medical expenses) | Included per province, details at quote |
| Passenger injury cover | Included per province, details at quote |
| Criminal defence and recourse (basic legal aid after an accident) | NC |
| Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs) | NC |
| Vehicle accessories and modifications (including electric vehicle batteries and cables) | NC |
| Personal belongings inside the vehicle (excluding cash and documents) | NC |
| Child equipment (seats, pushchairs) | NC |
| Replacement vehicle (during repairs or after total loss) | NC; may be part of add-ons |
| Towing and roadside assistance (including out-of-charge recovery for EVs) | ✅ Included roadside |
| Use abroad (compliance with minimum local cover; optional full cover abroad) | NC |
| Vehicle use for professional/business purposes (where applicable) | NC |
| Driving other vehicles (third-party only or comprehensive, depending on the insurer) | NC |
| Trailer or caravan towing cover | NC |
*NC = Not communicated. Most guarantees confirmed during quote or by broker.*
Good to know
Johnson Insurance provides 24/7 claims support, a mobile app, and bundled AIR MILES rewards, while policies are fully personalized during the quote process or by speaking with a broker. The single deductible for combined home and auto claims is a notable feature, and the company is transitioning to belairdirect, with digital management and further flexibility expected.
Johnson car insurance exclusions
Johnson Insurance specifically excludes vehicles modified for racing or equipped with alternate fuel systems or altered suspensions, which is a noteworthy difference compared to general market practices that may allow some modifications with proper disclosure.
Claims may also be denied for vehicles with drivers holding only a G1 licence, or if the listed driver has a licence suspension/revocation within the past 20 years.
Frequent claimants, specifically those with three or more claims for comprehensive, glass, or hit-and-run incidents in three years, risk loss of coverage or increased premiums.
Policy cancellation in the preceding three years is also grounds for coverage refusal or surcharge.
Overall, these exclusions focus heavily on the driver's history and vehicle modifications, with less transparency provided on standard technical or territorial exclusions.
| Exclusions | Details |
|---|---|
| Exclusions linked to the use of the vehicle |
|
| Exclusions linked to the driver |
|
| Technical exclusions | N.C. |
| Geographical exclusions | N.C. |
| Contractual exclusions |
|
- Vehicles modified for speed or racing
- Vehicles with alternate or converted fuel systems
- Altered suspensions
- Principal driver has a G1 licence
- Licence suspended or revoked in past 20 years
- Policy cancelled in the last 3 years
- More than 3 comprehensive, glass, or hit-and-run claims in 3 years
The Cost of Johnson Insurance Car Insurance
Johnson Insurance holds a competitive position in the market, largely due to its exclusive group discounts and bundled policy advantages, making it attractive for members of eligible associations. Its standard inclusion of accident forgiveness and roadside assistance adds value when compared to many direct competitors, especially for drivers seeking solid basic protections and premium stability after an at-fault accident.
Unlike newer digital-only insurers, Johnson Insurance provides service through both digital platforms and broker support, ensuring more personalized advice but with slightly higher operational costs. Reimbursement ceilings and deductibles are generally aligned with market norms, though group pricing can yield notable savings for qualifying customers.
While offering enhanced value for group members, those outside group networks or seeking the lowest possible digital-first premiums may find more economical options from pure-play online competitors.
| Third-party liability only | Standard (liability + comp/collision) | Maximum bundle (with home) | |
|---|---|---|---|
| Young driver (18-24 years old, compact vehicle) | $110/month | $158/month | $140/month* |
| Standard driver (35-45 years, intermediate vehicle) | $62/month | $101/month | $83/month* |
| Senior driver (60-70 years, city car) | $44/month | $72/month | $65/month* |
| Driver with an at-fault claim within 3 years | $169/month | $208/month | $186/month* |
| New SUV driver | $77/month | $121/month | $97/month* |
| Driver with more than 25,000km/year | $85/month | $132/month | $104/month* |
Get a personalized quote and compare offers to ensure you secure the most cost-effective plan for your profile.
Compare the best car insurance plans for free!Start comparingJohnson Insurance Car Insurance Discount Codes
| Promotional codes Johnson Insurance | Details |
|---|---|
| HelloSafe | 5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
Reimbursement with Johnson Insurance
| Claim or service | Average price (CA$) | Johnson Insurance Third-Party Liability | Johnson Insurance Collision coverage | Johnson Insurance Comprehensive coverage |
|---|---|---|---|---|
| Replacement after theft | $19,000 | ❌ | ❌ | Up to $19,000 (excluding excess); out-of-pocket: deductible + above limit |
| Repair after at-fault accident | $8,200 | ❌ | Up to $8,200 (excluding excess); out-of-pocket: deductible + above limit | ❌ |
| Windshield repair | $700 | ❌ | ❌ | Up to $700 (excluding excess); out-of-pocket: deductible |
| Rental car during covered repairs | $1,100 | Up to policy limit (excluding excess); out-of-pocket: deductible + above limit if any | Up to policy limit (excluding excess); out-of-pocket: deductible + above limit if any | Up to policy limit (excluding excess); out-of-pocket: deductible + above limit if any |
| Animal collision damage | $4,600 | ❌ | Up to $4,600 (excluding excess); out-of-pocket: deductible + above limit | Up to $4,600 (if not collision; excluding excess); out-of-pocket: deductible + above limit |
Car Insurance Assistance from Johnson Insurance
Johnson Insurance’s inclusion of roadside assistance for breakdowns, flat tires, fuel delivery, and lockouts is a practical benefit, especially for drivers who want support throughout Canada and the U.S.
However, the lack of clarity around whether towing is included, and the absence of details on service distance or limits, is a notable gap compared to some competitors.
No information is provided regarding replacement vehicles, alternative transport, or coverage for accommodation in the event of an immobilization far from home.
Assistance for electric vehicles, repatriation, and legal support after an accident are not mentioned, which may leave some drivers underprepared in specific scenarios.
Drivers looking for comprehensive assistance—including coverage for pets, lost keys, or accident-related legal issues—will need to clarify these points with a representative before purchasing a policy.
| Support Johnson Insurance | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | ✅ | Available anywhere in Canada or the U.S. Includes help for breakdowns, flat tires, fuel delivery, and lockouts. |
| Towing to repair facility / Extended towing | N.C. | N.C. |
| Assistance from home (0 km) | N.C. | N.C. |
| Replacement vehicle | N.C. | N.C. |
| Alternative transport or accommodation | N.C. | N.C. |
| Vehicle repatriation | N.C. | N.C. |
| Assistance abroad | N.C. | N.C. |
| Assistance for electric vehicles | N.C. | N.C. |
| Battery assistance & fuel misfuelling | ✅ | Included as part of roadside service: fuel delivery and battery help. |
| Legal assistance after an accident | N.C. | N.C. |
| Assistance for animals on board | N.C. | N.C. |
| Key recovery & lock replacement | ✅ | Included for lockouts; details on key replacement not specified. |
Includes help for breakdowns, flat tires, fuel delivery, and lockouts.
Customer Feedback on Johnson Insurance Car Insurance
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 3.7/5 – 1,120 reviews |
We have analyzed the reviews on the above-mentioned sites.
- Advantages
- The group discount programs and bundled savings are highlighted as valuable advantages, especially for eligible organizations and families.
- The accident forgiveness feature is positively received and gives customers peace of mind after their first at-fault accident.
- Customers often praise the roadside assistance for its reliable coverage in various situations, such as breakdowns, lockouts, or flat tires.
- The AIR MILES program is recognized as a worthwhile bonus and adds tangible rewards to the insurance experience.
- Disadvantages
- A number of reviewers mention that renewal premiums increase over time, occasionally without clear explanation.
- Some customers report difficulties reaching customer support or delays when resolving claims.
- Limited digital application features and a lack of transparency regarding coverage specifics are noted by clients who appreciate more modern, user-friendly technology.
- Communication is sometimes cited as insufficient when contracts change, especially during the company’s transition to belairdirect.
How do I contact Johnson Insurance?
| Customer service Johnson Insurance | Contact information |
|---|---|
| To obtain a quote or take out a policy online | You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. Johnson Insurance online. By phone: 1-866-606-3362 |
| To report a claim | 24/7 by phone: 1-800-804-0087 Email: claims@johnson.ca |
| To request and track a refund | Contact Customer Care by phone at 1-866-606-3362 or email insurance@johnson.ca Refunds processed via original payment method; processing time varies depending on case details and province. |
| To obtain an insurance certificate | Request through your online Johnson Insurance account or by phone at 1-866-606-3362. Email: insurance@johnson.ca |
| To contact assistance | Roadside assistance and general inquiries: By phone: 1-800-268-0268 (24/7) Email: insurance@johnson.ca |
| To cancel my contract | Contact Johnson Insurance by phone at 1-866-606-3362 or email insurance@johnson.ca. Notice period and documents required (such as a written cancellation request or proof of new insurance) may vary; details provided upon request. |
Johnson Insurance online.
By phone: 1-866-606-3362
Email: claims@johnson.ca
Refunds processed via original payment method; processing time varies depending on case details and province.
Email: insurance@johnson.ca
By phone: 1-800-268-0268 (24/7)
Email: insurance@johnson.ca
Notice period and documents required (such as a written cancellation request or proof of new insurance) may vary; details provided upon request.
FAQ
Do I have to pay in advance for repairs or assistance with Johnson Insurance?
With Johnson Insurance, most repair shops and towing services from their approved network can bill the insurer directly, so you usually do not have to pay in advance for covered repairs or roadside assistance. However, some situations may require you to pay and then seek reimbursement, especially if you choose a non-partner service provider. Always check your claim instructions or consult your adjuster for confirmation. Your deductible is still payable out-of-pocket if applicable.
How do I cancel my car insurance contract with Johnson Insurance?
To cancel your car insurance with Johnson Insurance, contact their customer service by phone or web form and provide your policy number along with a written request; a notice period—often 30 days—may apply, and proof of alternate coverage is sometimes required.
What is First Accident Forgiveness with Johnson Insurance?
First Accident Forgiveness from Johnson Insurance means that your first at-fault accident will not affect your driving record or cause your premium to increase. This benefit is automatically included for eligible policyholders and applies as long as you maintain your policy without interruption. Conditions and provincial eligibility may apply, so check your policy documents for details. It’s a valuable feature for added peace of mind.
Is roadside assistance included with Johnson Insurance auto coverage?
Yes, Johnson Insurance provides roadside assistance coverage for breakdowns, flat tires, fuel delivery, and lockouts throughout Canada and the United States. The service is available 24/7 to all insured drivers on your policy, and you can access it by calling their designated assistance line. Coverage specifics and service limits may vary by province and policy. Always refer to your insurance documents to confirm details.
Can I bundle home and auto insurance with Johnson Insurance for savings?
Bundling your home and auto insurance policies with Johnson Insurance, when eligible, can result in significant savings through multi-policy discounts. In addition to lower premiums, bundling offers the convenience of one point of contact and may include features like a single deductible for claims involving both your home and vehicle. Exact discount rates depend on your group and policy details, so discuss bundling options with your broker.
How do I file a car insurance claim with Johnson Insurance?
To file a car insurance claim, call the Johnson Insurance claims centre 24/7 or submit your claim through the online portal, providing all relevant details about the incident and any supporting documents or photos. A claims advisor will guide you through the next steps and answer any questions. For approved repairs, you may be referred to a preferred service provider. Timely reporting ensures efficient processing and helps you get back on the road faster.
Do I have to pay in advance for repairs or assistance with Johnson Insurance?
With Johnson Insurance, most repair shops and towing services from their approved network can bill the insurer directly, so you usually do not have to pay in advance for covered repairs or roadside assistance. However, some situations may require you to pay and then seek reimbursement, especially if you choose a non-partner service provider. Always check your claim instructions or consult your adjuster for confirmation. Your deductible is still payable out-of-pocket if applicable.
How do I cancel my car insurance contract with Johnson Insurance?
To cancel your car insurance with Johnson Insurance, contact their customer service by phone or web form and provide your policy number along with a written request; a notice period—often 30 days—may apply, and proof of alternate coverage is sometimes required.
What is First Accident Forgiveness with Johnson Insurance?
First Accident Forgiveness from Johnson Insurance means that your first at-fault accident will not affect your driving record or cause your premium to increase. This benefit is automatically included for eligible policyholders and applies as long as you maintain your policy without interruption. Conditions and provincial eligibility may apply, so check your policy documents for details. It’s a valuable feature for added peace of mind.
Is roadside assistance included with Johnson Insurance auto coverage?
Yes, Johnson Insurance provides roadside assistance coverage for breakdowns, flat tires, fuel delivery, and lockouts throughout Canada and the United States. The service is available 24/7 to all insured drivers on your policy, and you can access it by calling their designated assistance line. Coverage specifics and service limits may vary by province and policy. Always refer to your insurance documents to confirm details.
Can I bundle home and auto insurance with Johnson Insurance for savings?
Bundling your home and auto insurance policies with Johnson Insurance, when eligible, can result in significant savings through multi-policy discounts. In addition to lower premiums, bundling offers the convenience of one point of contact and may include features like a single deductible for claims involving both your home and vehicle. Exact discount rates depend on your group and policy details, so discuss bundling options with your broker.
How do I file a car insurance claim with Johnson Insurance?
To file a car insurance claim, call the Johnson Insurance claims centre 24/7 or submit your claim through the online portal, providing all relevant details about the incident and any supporting documents or photos. A claims advisor will guide you through the next steps and answer any questions. For approved repairs, you may be referred to a preferred service provider. Timely reporting ensures efficient processing and helps you get back on the road faster.
