Save on car insurance in Halifax.
We’re one of Halifax’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 Halifax’s best auto protection and benefits. That’s a promise.
Halifax is an urban coastal city where people want to be.
With sandy beaches and beautiful gardens around one corner, you can turn and find yourself in front of the symphony, art galleries and museums. Being the largest urban area in Atlantic Canada, it sits in the center of Nova Scotia’s east coast, with a seaport that looks out over one of the world’s largest natural harbours. Halifax is comprised of nine distinct regions that span from picturesque Peggy’s Cove Coastal Region to bustling Downtown Halifax. Driving through Halifax changes from district to district, and you need insurance that can match all the regions you’re going to visit. At Munn Insurance you can find the most competitive auto insurance in Halifax and save while you’re doing it.
Driving in Halifax – Tips to keep you on the road.
HELP KEEP WORKERS SAFE.
When an emergency vehicle pulled over with its lights flashing, the law is motorists must slow down to 60 km/h or obey the speed limit if it’s lower than 60 km/h. If the road has two or more lanes in one direction, motorists must also move into another lane farther away from the stopped vehicle if it can be done safely. A motorist must obey these laws for ambulances, police vehicles, fire department vehicles, Department of Lands and Forestry fire vehicles, fire chiefs’ or deputy fire chiefs’ vehicles, conservation officers’ vehicles, motor vehicle and carrier inspectors’ vehicles, public safety vehicles such as sheriffs and bridge patrol officers, and tow trucks that are stopped at the scene of a fire or collision or assisting a vehicle. A fine can be as high as $350 for a first offence, with the potential to go higher.
SLOW DOWN IN SCHOOL AREAS.
The speed limit is 30 km/h in areas where the approaching limit is 50 km/h, when children are present. Where the speed limit is higher than 50 km/h, drivers continue to be required to reduce speed to a maximum of 50 km/h when children are present. Fines range from $340 to $685 with penalty points ranging from 2 to 4.
DON’T DRINK AND DRIVE.
Nova Scotia has strict driving under the influence laws. Convicted impaired drivers with a blood-alcohol level of more than .08 receive a criminal record, lose their licence for one year and will face a minimum fine of $1000. They also have to complete an addictions program and may also have to participate in Alcohol Ignition Interlock Program. If a convicted impaired driver had a child in the car at the time, they face increased penalties, including losing their licence for at least two years and must participate in the Alcohol Ignition Interlock Program, for at least one year, at their expense.
PUT THE PHONE AWAY.
Nova Scotia has some of the strongest fines for handheld phone use and texting. Currently, fines range from $233.95 for a first offence to $578.95 for a third offence with the addition of four demerit points on conviction. Handheld phones are only allowed in emergency situations.
A few facts about car insurance in Halifax.
- The average age of auto insurance policyholder in Halifax is 32
- The average age of drivers in Halifax is 46
- The number of accident claims in Halifax in 2018 was 7100
- The top automotive brands we insure in Halifax are Honda, Dodge, Mazda, Volkswagen, Ford, Toyota, Chevrolet
- 82% of people in Halifax drive Cars
- 18% of people in Halifax drive Trucks
Facts and myths about Halifax.
FACTS
Halifax experienced the greatest man-made explosion prior to the atomic bomb – the Halifax Explosion on December 6, 1917.
The Halifax Harbour is one of the deepest and largest natural, ice-free harbours in the world.
Canada’s first covered skating rink was opened in the Halifax Public Gardens in 1883.
Downtown Halifax’s waterfront boardwalk hugs the harbour for 10 city blocks from Pier 21 at the Halifax Seaport to Casino Nova Scotia.
MYTHS
While being a coastal city that is associated with mild weather, it can be counted on that Halifax will receive its fair share of large snowstorms every year.
During a geological study of the harbour, seismic reflection systems surveyed the area and showed no evidence of any tunnel existing.
An interpretation of all the survey information indicates that there is no crater formed by the explosion.
Actually, Halifax is also connected to VIA Rail that runs to Western Canada and parts of the U.S. A trip from Halifax to Montreal happens in less than a day.
We do the shopping. You get the savings.
Nova Scotians 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 Nova Scotia 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
Special discounts and savings with a Munn Insurance group policy.
We recognize the value groups provide to Halifax. First Responders, Health Care Professionals, Alumni Associations, Educators and Instructors all play a vital role in helping others across Nova Scotia. They give so much, and we’re happy to give back. Munn Insurance Preferred Groups in Nova Scotia 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
Get Halifax’s best leisure vehicle protection.
Nova Scotians love their leisure time and their leisure vehicles. MyRide Leisure Insurance from Munn Insurance is the most competitive, comprehensive leisure vehicle insurance available in Nova Scotia. 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
Car insurance laws in Halifax
It is mandatory to have auto insurance for all vehicles in Halifax. The province has enacted “financial responsibility laws” to ensure drivers are accountable for the financial consequences of their actions while on our roads.
Current limits for auto insurance in Halifax are:
- $500,000 liability coverage
- $50,000 medical payments coverage
- $2,500 funeral benefits
- Disability income/death benefits for persons injured or killed in an auto accident
- Uninsured and unidentified driver insurance
Nova Scotia has a no-fault based insurance system. Drivers can file claims with their own insurance company, regardless of who is at fault for the accident. Also, the province does not take age or marital status into account when determining risk.
Halifax car insurance – your questions answered.
Our Latest Advice
Decoding Commercial Insurance: 20 Essential Terms for Small to Medium-Sized Business Owners
Navigating the world of commercial insurance can be overwhelming, but understanding key terms is crucial for safeguarding your small to medium-sized business. Here are 20 essential terms explained in plain language:
- General Liability: Coverage protecting against claims for injuries, property damage, or personal injury caused by your business.
- Property Insurance: Protection for your physical assets (buildings, equipment, inventory) against losses from events like fires, theft, or natural disasters.
- Business Interruption Insurance: Coverage for lost income and additional expenses if your business can’t operate due to a covered event, facilitating a quicker recovery.
- Professional Liability (Errors and Omissions): Safeguard for service-based businesses, covering claims of mistakes or negligence in professional services.
- Workers’ Compensation: Insurance providing medical benefits and wage replacement for employees injured or sick on the job.
- Commercial Auto Insurance: Protection for business vehicles, covering accidents, injuries, and property damage during business operations.
- Cyber Insurance: Coverage against cyber threats, including data breaches or cyberattacks, covering costs like legal fees and data recovery.
- Deductible: The amount you pay out of pocket before insurance coverage kicks in. Higher deductibles often mean lower premiums.
- Premium: The cost of insurance, paid regularly. Premiums vary based on coverage, deductibles, and other factors.
- Claim: A request made to an insurance company for payment or reimbursement due to a covered loss.
- Policy Limit: The maximum amount an insurance policy will pay for a covered loss. It’s crucial to ensure limits align with your business needs.
- Underwriting: The process insurers use to evaluate risks and determine coverage eligibility and premium rates.
- Exclusion: Specific risks or circumstances not covered by an insurance policy. Review exclusions to understand potential gaps in coverage.
- Endorsement: An amendment or addition to an insurance policy, altering or expanding coverage.
- Risk Management: Strategies and practices to identify, assess, and mitigate potential risks to your business.
- Aggregate Limit: The maximum amount an insurer will pay for all covered losses during a policy period.
- Peril: A specific event or cause of loss, such as fire, theft, or natural disaster.
- Umbrella Insurance: Additional liability coverage that extends beyond the limits of underlying policies.
- Indemnity: The principle of restoring a policyholder to the same financial position before a covered loss occurred.
- Broker: A professional who helps businesses navigate the insurance market, providing advice and securing appropriate coverage.
Understanding these terms empowers small to medium-sized business owners to make informed decisions about their insurance needs. It’s like having a toolkit to ensure your business is well-protected, allowing you to focus on what you do best—running a successful business.
We have extensive experience insuring all types of businesses, from small one person operations to much more complex enterprises. We can help make sure you get the right coverage at the best price. If you have any questions, call the insurance experts at Munn Insurance at 1-855-726-8627. We’d be happy to help.
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