We do the shopping. You get the savings.
Customers love choice. And they love saving too! At Munn Insurance, we deliver on both. As an independent insurance broker, we shop our extensive network of insurance partners to provide our customers with choices to provide the best coverage at the best rate. Some of the insurance companies we search for our customers include:


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Our customers love to save.
I am incredibly impressed with Munn. The person I spoke with really cared about my needs and didn’t brush me off as some competitors try to do.
Lisa is the bomb. We are in Ontario and she made it so easy for us. Thanks Lisa at Munn Insurance.
I thought it would be difficult to switch from my current insurer – but my new policy was easy to set up! Plus I saved on my car and home insurance.
Switching. Saving. Simple
We say switching is easy… and it’s true! In the past year, people have left these companies to come to Munn.

*Includes the old Jonson Insurance & Anthony Insurance brands
People are switching to Munn for many reasons.
Fast claims processing, competitive rates, and responsive, respectful customer care.

Customer Care
We have earned a reputation of always having your best interests at heart. That’s why we deliver truly exceptional service. The kind that makes you smile!

Fast Local Claims Service
We will guide you through the claims process, helping to ensure a swift and fair settlement by the insurance company. Getting you right back to where you were.

Competitive Rates
As an independent insurance broker, we work for you. We act as your personal advisor; providing unbiased advice on your individual insurance needs.

Broker Advantage
Not all insurance polices are created equal. As your broker, we work for you. And we make sure that you have the best coverage available. We answer to you.

More Complete Coverage
We have access to many insurance markets. Most places only have one! So we shop around on your behalf and find you the best insurance at the best price.
Our Latest Advice
Distracted Driving: The Risks and Consequences
Distracted driving is one of the leading causes of accidents in Newfoundland and Nova Scotia, and texting while driving is a major contributor. Despite strict laws prohibiting the use of handheld devices, distracted driving remains a serious issue, putting drivers, passengers, and pedestrians at significant risk.
What Is Distracted Driving?
Distracted driving refers to any activity that diverts attention from driving, whether it’s texting, talking on the phone, adjusting the radio, or interacting with in-car entertainment systems. Texting, in particular, is one of the most dangerous forms of distracted driving, as it requires the driver to take their hands off the wheel, eyes off the road, and focus off the task at hand. Studies show that texting drivers are 23 times more likely to be involved in a crash. Additionally, distracted driving is as dangerous as impaired driving, with studies revealing that it significantly reduces reaction times. A driver who is texting can experience up to a 35% delay in reaction time compared to undistracted drivers. In fact, distracted driving is now the leading cause of fatal accidents in Canada, accounting for 1 in 4 fatalities on Canadian roads.
The Risks of Texting and Driving
Texting while driving takes a driver’s attention away from the road, significantly increasing the likelihood of accidents. Even a few seconds spent replying to a text can lead to serious consequences. A driver who takes just 5 seconds to respond to a text could cover the length of a football field at 90 km/h without looking at the road. This small amount of time can make the difference between a safe drive and a tragic accident, putting not only the driver but also other road users in danger.
Legal Consequences for Texting While Driving
In both Newfoundland and Nova Scotia, texting while driving is illegal and carries serious consequences. Drivers caught texting behind the wheel face steep fines, demerit points, and potential license suspensions. Moreover, a distracted driving conviction can lead to significantly higher insurance premiums, as insurers consider this behavior high-risk.
How Texting Affects Your Insurance
Texting while driving doesn’t just affect your safety; it can also have long-lasting financial consequences:
- Higher Insurance Premiums: A conviction for texting while driving can cause a 15%-25% increase in your auto insurance rates in both Newfoundland and Nova Scotia.
- Potential Claim Denial: If you’re involved in an accident while texting, your insurance provider may deny your claim, leaving you financially responsible for damages.
- Policy Cancellation: Repeat offenders may face higher premiums or even have their policies canceled by some insurers, forcing them to seek coverage with higher-risk providers.
Stay Safe and Avoid Distractions
To stay safe and protect your insurance premiums, avoid texting and driving. Here are some tips to help you stay focused on the road:
- Put your phone away: Store your phone out of reach to minimize distractions.
- Use hands-free technology: If you must make a call, use a Bluetooth or hands-free system.
- Plan ahead: Set your GPS, adjust your mirrors, and choose your music before starting your drive.
- Pull over: If you need to send a message or make a call, pull over to a safe spot.
- Munn Insurance: Protecting You on the Road
At Munn Insurance, we are dedicated to keeping you safe on the road and ensuring you’re properly covered in the event of an accident. If you have any questions about how texting while driving can impact your insurance or need help finding the best coverage, reach out to us today. Serving Newfoundland and Nova Scotia, we provide expert advice and tailored solutions for all your insurance needs.
Remember: It can wait. Prioritize safety over convenience and help make our roads safer for everyone.
For more information or to speak with one of our experts, call Munn Insurance at 1-855-726-8627.
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