Save on car insurance in Conception Bay North.

We’re one of Conception Bay North’s largest independent brokers. We specialize in auto insurance. With a simple online quote or a quick call, you will get quotes from up to eight insurance companies. And with savings of up to 30%, you’ll be on the road with CBN’s best auto protection and benefits. That’s a promise.

Conception Bay North, a beautiful collection of towns.

The drive through Conception Bay North will bring you through a variety of unique towns with a history all their own. The area is home to larger centres such as Carbonear, Harbour Grace, Brigus, Cupids, Port de Grave, Spaniard’s Bay, Upper Island Cove, and Bay Roberts that act as hubs servicing smaller communities. You really see what Newfoundland is with a drive around Conception Bay North. Your insurance can be as unique as your route. At Munn Insurance you can find the most competitive auto insurance in CBN and save while you’re doing it.

Driving in Conception Bay North – Tips to keep you on the road.

STAY PHONE FREE.

Fines for using a cell phone while driving are high in the province of Newfoundland, and the RNC are extremely vigilant in Conception Bay North. The current penalty is 4 demerit points with fines ranging from $350 to $1000.

MOOSE AROUND EVERY CORNER.

Conception Bay North is no stranger to moose. There are approximately 120,000 moose on the island and even the more populated areas are surrounded by dense forest areas. The animals tend to wander onto roadways and are more active during sunrise and sunset. Don’t be fooled by the fact you may be driving by a shopping plaza; a moose can very easily wander across your path.

MOVE OVER – IT’S THE LAW.

As in all of Newfoundland, Conception Bay North is very strict with the Move Over Law. This law applies when a designated vehicle is stopped and operating its red, blue or amber lights or has other traffic warning signals displayed. The general rule is to create a buffer lane by slowing down and putting as much distance between the driver and the stopped vehicle. If there is another lane going in the same direction and it is safe to do so, the driver must slow down and change lanes so there is a full lane between the driver and the stopped vehicle. If a second lane isn’t available, the driver must put as much distance between the vehicle and the designated vehicle that is safely possible.

A few facts about car insurance in Conception Bay North.

The average age of auto insurance policyholder in Conception Bay North is 30
The average age of drivers in Conception Bay North is 42
The number of accident claims in Conception Bay North in 2018 was 1400
The top automotive brands we insure in Conception Bay North are Ford, Chevrolet, GMC, Honda, Toyota, Hyundai
54% of people in Conception Bay North drive Cars
46% of people in Conception Bay North drive Trucks

A father and son holding hands, smiling at one another.

Facts and myths about Conception Bay North.

FACTS

Bay Roberts is home to the Western Union Cable Building, which was built in 1913 as a cable relay station for telegraph cables between Sennen Cove, Cornwall, England and Coney Island. During World War II, 75% of all trans-Atlantic cable messages went through the building.

Carbonear was first settled by people from West Country England in the earl 1600’s making it one of the oldest European settlements in North America.

Harbour Grace was founded by Francis I of France in 1517, with the name ‘Harbour Grace’ thought to be derived from Harve de Grace, the name used for LeHarve, France.

Brigus is well known for its annual Brigus Blueberry Festival. It’s three days of festivities, crafts, concessions, contests, Miss Blueberry Pageant and a lot of blueberries. Everything at the festival is, of course, inspired by this wild berry.

MYTHS

Conception Bay North is lacking in health facilities.

There are health facilities in all major communities in Conception Bay North, including a hospital in Carbonear and multiple medical clinics in nearby towns and communities.

There are no educational facilities in the area.

All major centres in the area are home to K-12 schools, with all surrounding communities being in close proximity to schools as well. Carbonear also hosts a College of the North Atlantic campus for post-secondary students.

It’s a long trip from St. John’s.

In fact, the distance from generally all communities and centres in Conception Bay North is about an hour’s drive to St. John’s.

It takes forever to get anywhere within the area.

All communities are approximately within 30 minutes of one another, some places as little as 10 minutes apart.

We do the shopping. You get the savings.

Newfoundlanders 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 Newfoundland customers with the best coverage at the best rate. Some of the insurance companies we search for our customers include:

How Munn Insurance saves you money.

We work for you – that’s what an insurance broker does. We shop the market on your behalf, so Munn insurance can offer you the most access to the best discounts from our insurance partners.

Bundling (Auto + Home Discount)
Multiple Vehicle Discounts
Experienced Drivers Discount
Safe Drivers Discount
Claims-Free Discount
Loyalty Discount
And Many More

Combine your home and car policies and save.

With Munn Insurance, home and auto policies are better together. It means extra savings and additional coverage. So combine them both and receive a discount on both. That’s like a double discount!

Combining also gives you the extra convenience of aligned renewal rates and less paperwork.

You can combine your auto policy with any Munn Insurance home policy for the following dwelling types:

Private Homes
Condos
Tenants
Cabins/Cottages
Rented Dwellings

If you’re an employee of one of our Special Groups, call us today to start saving!

We recognize the value groups provide to Newfoundland communities. First Responders, Health Care Professionals, Alumni Associations, Educators and Instructors all play a vital role in helping others across the Island. They give so much, and we’re happy to give back. Munn Insurance Preferred Groups in Newfoundland are able to take advantage of special discounts and many extra-valuable benefits.

Special Group Discounts
Mortgage & Real Estate Assistance
0% Insurance Financing
Home Repair Assistance
Legal Assistance
Health Assistance

Munn Insurance is CAA’s preferred insurance provider in Conception Bay North.

CAA Members can SAVE up to 20% on Auto and Home Insurance
Access to multiple insurance markets; knowing you get the best coverage at the best rate
Confidence and security of being a member of a preferred group
Local, fast and efficient 24/7 Claims Service
Legal Assistance
Health Assistance

Get Newfoundland’s best leisure vehicle protection.

Newfoundlanders love their leisure time and their leisure vehicles. MyRide Leisure Insurance from Munn Insurance is the most competitive, comprehensive leisure vehicle insurance available in Newfoundland. Whether it’s your ATV, motorhome, motorcycle – or any of your leisure vehicles – A Munn policy offers more protection and value than any other program you’ll find.

Boat and Watercraft
ATV
Snowmobile
Classic Cars and Auto
Motorhome, RV and Trailer
Motorcycle

A day and his son cleaning a Mustang car.

A girl on a boat wearing a life jacket and holding a fishing rod.

Car insurance laws in Conception Bay North.

Conception Bay North drivers must be in possession of legally determined minimum insurance coverage to drive on our roads. These minimum limits have been enacted to ensure drivers are financially responsible if an at-fault accident occurs.

Current limits for auto insurance in Conception Bay North are:

$200,000 in liability coverage per accident
Uninsured and unidentified motorist coverage

Conception Bay North drivers are not required to carry accident benefits coverage, although most do choose to buy this coverage, which includes coverage for medical payments, disability coverage, and death benefits coverage. This type of insurance is mandatory in other provinces. Many drivers in Newfoundland also opt to increase their liability coverage to limit risk and financial exposure.

There are also other optional coverages that can be purchased. These include comprehensive and collision coverage to protect in the event of an at-fault accident or non-accident scenario such as theft.

Conception Bay North car insurance – your questions answered.

A young girl sitting in a car seat in a pink jacket.

How is fault determined by insurance companies in Newfoundland and Labrador?Newfound Marketing2022-09-23T14:09:35-02:30

How is fault determined by insurance companies in Newfoundland and Labrador?

In Newfoundland, the adjusters for the insurance companies involved in the claim will determine who is at fault. Each insurance company uses its own guidelines to come up with a fault determination.

Newfoundland is unusual in Canada in that it has no type of no-fault benefits. The insurance company for the at-fault driver is responsible for paying out on damages to the other driver’s vehicle as well as for injuries. Accident benefits are not a mandatory coverage in Newfoundland but are available to drivers who choose to add them to their insurance policy.

The handling of claims is governed by insurance regulations; the 2004 reforms helped to reduce the cost of lawsuits, but drivers can still be sued for pain and suffering.

What insurance system does Newfoundland and Labrador adhere to?Newfound Marketing2022-09-23T14:09:35-02:30

What insurance system does Newfoundland and Labrador adhere to?

Newfoundland and Labrador operates under the tort system. This lets you sue an at-fault driver for your pain and suffering, wage losses, and other damages related to an accident.

In Newfoundland and Labrador, what are the penalties for driving without auto insurance?Newfound Marketing2022-09-23T14:09:35-02:30

In Newfoundland and Labrador, what are the penalties for driving without auto insurance?

If you’re convicted of driving without insurance in Newfoundland and Labrador, you’ll have to pay a fine that ranges from $2,000 to $4,000 for your first offence. The fine increases to a range of $3,000 to $5,000 for second and subsequent offences. And there are other penalties that may accompany your fine. If you’re charged for driving without insurance in Newfoundland and Labrador, you may also have your driver’s license suspended and your vehicle impounded for 90 days.

Is auto insurance mandatory in Newfoundland and Labrador?Newfound Marketing2022-09-23T14:09:35-02:30

Is auto insurance mandatory in Newfoundland and Labrador?

Yes. The law requires motorists to carry insurance on their vehicle.

What can I do to find cheap auto insurance in Newfoundland and Labrador?Newfound Marketing2022-09-23T14:09:35-02:30

What can I do to find cheap auto insurance in Newfoundland and Labrador?

There are many ways to get cheap auto insurance in Newfoundland and Labrador:

Work with an independent broker who can help you find the best policy
Always pay your premiums on time
Choose a vehicle with less susceptibility to theft
Choose a vehicle with more safety and security features
Maintain a good driving history
Obey the rules of the road and avoid speeding tickets
Understand and choose the right type of insurance coverage
Shop around for the best policy

Newfoundland and Labrador’s auto insurance rates are low. Why?Newfound Marketing2022-09-23T14:09:35-02:30

Newfoundland and Labrador’s auto insurance rates are low. Why?

Auto insurance rates in Newfoundland and Labrador are on the lower side of the spectrum thanks, in large part, to the reforms enacted by the government in 2004. These auto insurance reforms helped reduce rates across the province. But according to the Insurance Bureau of Canada, additional reforms are necessary to maintain rate stability. Problems that allow for large pain and suffering awards for relatively minor injuries continue to exist in the province’s auto insurance system.

How do auto insurance rates in Newfoundland and Labrador compare to other provinces?Newfound Marketing2022-09-23T14:09:35-02:30

How do auto insurance rates in Newfoundland and Labrador compare to other provinces?

Newfoundland and Labrador auto insurance premiums fall in the lower half of the national rate spectrum.

Ontario $1445
British Columbia $1680
Alberta $1251
Manitoba $1080
North West Territories $978
Nunavut $963
Nova Scotia $847
Saskatchewan $936
New Brunswick $819
Prince Edward Island $796
Quebec $661

Source: Insurance Bureau of Canada, 2017 and 2016 for Quebec

What are the factors used to determine auto insurance rates in Newfoundland and Labrador?Newfound Marketing2022-09-23T14:09:35-02:30

What are the factors used to determine auto insurance rates in Newfoundland and Labrador?

Auto insurance rates in Newfoundland and Labrador are determined by a variety of factors:

Your driving record
The type and age of your car
Your insurance claims record
Your annual mileage and territory of use
How you use your car (personal or business)
Whether or not any other drivers in the household use your car

The 2004 auto insurance reform prevents auto insurance companies from denying coverage or increasing rates solely on the basis of any of these factors:

Age and gender
Age of the vehicle
Accidents in which you were not at fault
Lapses in insurance except when tied to a license suspension for a violation of traffic laws
Previously being refused insurance by another company
Being insured with Facility Association

In Newfoundland and Labrador, who determines auto insurance rates?Newfound Marketing2022-09-23T14:09:35-02:30

In Newfoundland and Labrador, who determines auto insurance rates?

In Newfoundland and Labrador, individual insurers set auto insurance rates, which are then regulated and approved by the Newfoundland and Labrador Board of Commissioners of Public Utilities. Among the top factors that go into determining your rate are your driving record including tickets or at-fault accidents, the value of the car you drive as well as the make and model, and your driving habits including the length of your daily commute.

Auto Insurance by community content.

Quote by Town

As one of Atlantic Canada’s largest independent brokers, we work for you – not the insurance company. So we always have your best interests at heart. That’s why we will shop around to find you the best insurance at the best price.

Our Latest Advice

Temporary Office Closure and System Maintenance – October 23–24th, 2025

As part of our exciting relocation to our newly renovated Head Office at 187 Kenmount Road, St. John’s, Munn Insurance will be completing a major IT and phone server migration this month.

To complete this work safely and efficiently, all Munn Insurance offices, systems, and client services will be temporarily unavailable starting at 1:00 PM on Thursday, October 23rd through to Friday, October 24th, 2025.

During this time, our teams will be conducting essential system migration and testing to ensure a smooth transition and deliver improved performance and reliability moving forward.

Normal business operations will resume on Monday, October 27th at 8:30 AM (NST).

We truly appreciate your patience and understanding as we complete this important milestone in our modernization journey. This upgrade will enhance our ability to serve you better with faster, more reliable systems and communications.

If you have any questions or support needs prior to the maintenance window, please don’t hesitate to contact us before October 23rd.

October 15, 2025|Categories: News|

New Sales

Current Customers