Get a Quote Home and Auto

Save on auto 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.
Save on auto 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.
Waterfront Halifax auto Insurance
Waterfront Halifax car Insurance

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.

Halifax Bridge car Insurance
downtown Halifax Auto Insurance
A few facts about auto 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
father son suv insurance

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

Halifax has very mild winters.

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.

There is a tunnel that runs beneath Halifax Harbour from Citadel Hill to Georges Island.

During a geological study of the harbour, seismic reflection systems surveyed the area and showed no evidence of any tunnel existing.

The Halifax Explosion of 1917 developed a large crater in the bottom of the Harbour.

An interpretation of all the survey information indicates that there is no crater formed by the explosion.

You can only get to Halifax by car, plane or boat.

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.
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:
insurance providers Nova Scotia
insurance providers Nova Scotia
Newfoundland Insurance Bedtime Stories
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
Newfoundland Insurance Bedtime
Newfoundland Nova Scotia Insurance

Combine your home and auto 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
Newfoundland Nova Scotia Insurance

Special discounts and savings with a Munn Insurance group policy.

We recognize the value groups provide to New Glasgow. 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
Munn Insurance Group Insurance for First Responders
Munn Insurance Alumni Group Coverage
Munn Insurance Group Insurance for Healthcare Professionals
Munn Insurance Group Insurance for Educators
Munn Insurance Group Insurance for Paramedics
Get New Glasgow’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
Munn Insurance MyRide Leisure Classic Car
ATV Munn Insurance MyRide Leisure
RV Motorhome Munn Insurance MyRide Leisure
Boat Watercraft Munn Insurance MyRide Leisure
Snowmobile Munn Insurance MyRide Leisure
Motorcycle Munn Insurance MyRide Leisure
Car insurance laws in New Glasgow.

It is mandatory to have auto insurance for all vehicles in New Glasgow. 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 New Glasgow 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 clocktower nova scotia
Halifax clocktower nova scotia
New Glasgow car insurance – your questions answered.
Car Seat Coverage
  • In Nova Scotia, who determines auto insurance rates?

    New Glasgow auto insurance rates are determined by individual insurers. The Office of the Superintendent of Insurance then reviews and approves the rates. Nova Scotia auto insurance is also regulated by The Nova Scotia Insurance Review Board, in addition to monitoring rates across the province.

  • What are the factors used to determine auto insurance rates in Nova Scotia?

    A variety of factors are used by Nova Scotia insurers to set auto insurance rates:

    • Your gender
    • Deductible amount
    • Your vehicle’s value
    • How you use your vehicle
    • Distance you drive each day
    • Who else is driving the vehicle
    • Type of coverage chosen
    • Driving record/claim history of all drivers
    • Vehicle type and theft rating
  • How do auto insurance rates in Nova Scotia compare to other provinces?

    Nova Scotia 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

  • Nova Scotia’s auto insurance rates are low. Why?

    Insurance reforms implemented by the Nova Scotia Government in 2003 helped reduce rates by 27%. The reforms also resulted in a wider range of insurance options for consumers.

  • What can I do to find cheap auto insurance in New Glasgow?

    There are many ways to get cheap auto insurance in Nova Scotia:

    • 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
  • Is auto insurance mandatory in Nova Scotia?

    Yes, Nova Scotia motorists are required by law to carry insurance on their vehicle.

  • In Nova Scotia, what are the penalties for driving without auto insurance?

    A first offence conviction for driving without auto insurance in Nova Scotia requires payment of a $1000 fine or 45 days in jail. For a second offence the fine is $2000 or 90 days in jail. The third offence results in a $5000 fine or 120 days in jail. Convictions for driving without auto insurance mean you will be identified as a high risk and will be required to pay higher auto insurance rates.

  • What insurance system does Nova Scotia adhere to?

    Nova Scotia’s auto insurance system is a no-fault system. Regardless of who’s at fault, drivers deal with their own insurance company.

  • How is fault determined by insurance companies in Nova Scotia?

    The Automobile Insurance Fault Determination Regulations determine who is at fault in an auto accident in Nova Scotia. Insurers must comply with Section 4 of the regulations. Section 4 states: “An insurer must determine the degree of fault of an insured for loss or damage arising directly or indirectly from the use or operation of an automobile in accordance with these regulations.”

Auto Insurance by community content.
Main Street Nova Scotia Auto Insurance
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

Water Damage Insurance – Get the Facts.

Water Damage Insurance - Get the Facts

It’s water damage season in Canada. With springtime, comes storms, water and sewer backups, snow melt, seepage and leakage. And yes, the the ever-present worry that the wet days of spring may lead to water damage. And flooding is on the rise!

It’s only early May and already there’s flood damage all across Canada. Ontario, Quebec and New Brunswick are in the news and the images of the damage and destruction are shocking. Other communities are on watch. Our hearts go out to the residents of all these cities and towns.

Once the water recedes, efforts will turn to clean up and rebuild. Insurance and disaster relief will become a more prominent part of the conversation. When it comes to coverage protecting homes from floods and flood damage, most property owners assume their home insurance policies will provide adequate protection. This is not always the case, making dedicated and additional flood damege coverage for specific water events a must.

Here are some things you need to know about water damage coverage & flood insurance…

What kind of water damage is covered by my basic home insurance policy?

Most standard home insurance policies cover water damage caused by things inside of your home (like a burst pipe), but damage caused by water that enters your home from external sources (during a heavy storm or rainfall, a sewer backup, or a sump pump failure) is likely not covered.

The good news is, you can likely buy additional water damage coverage to protect you in the event of these increasingly common emergencies depending on where you live and your insurance provider. Call your insurance broker to confirm if additional water damage coverage is available on your policy.

What kind of optional add-ons are available?

While optional add-ons are different for every insurance provider and location (including the type and limit of coverage available), here are two of the more common water-related add-ons that you can discuss with your broker:

  1. Sewer backup coverage.

    Sewer backup coverage is generally set up to protect you from loss or damage to your property when caused by the rupture or escape of water from a sewer, drain, sump pump, or septic system. For an additional premium to your homeowner’s insurance policy, an endorsement for water backup and sump discharge will cover losses caused by the following:

    • The backup of water or waterborne materials through a sewer or through a drain
    • Water or waterborne material that overflows from a sump, even if the backup of water is due to the mechanical breakdown of the sump pump. Coverage includes damage to covered property but excludes the sump pump and any related equipment that has broken down

    The endorsement does not cover losses that involve owner negligence, such as from damage as the result of forgetting to turn on your sump pump, or damages caused by a flood.

    The cost of sewer backup coverage is affordable. Call your broker to get more information about coverage costs, limits and deductibles.

  2. Overland water coverage.

    Generally speaking, overland water coverage is designed to protect you from damage caused by excessive rain, overflowing rivers, spring run-off, and melting snow. It usually excludes damage caused by saltwater, including tidal waves, and tsunamis.

    What is Overland Flooding?

    Overland flooding is defined as floodwaters that flow from an outside source or body of water onto dry land, causing water damage. The two most likely causes of overland flooding include snowmelt and rainstorms. Overland flood insurance covers flooding from surface water accumulation as well as from bodies of water, such as lakes, rivers or streams. Understanding what is and what has not considered flooding from an insurance perspective is critical to ensuring you secure the appropriate policies to protect against water damage.

    Why Traditional Policies Aren’t Enough

    While traditional home insurance policies and tenant policies may offer coverage for water damage from sewer backups or pipe bursts, they commonly exclude losses caused by overland floods. While newer policies can include some level of flood protection, availability varies. What’s more, even comprehensive homeowners and tenant insurance policies (which often offer the best available protection for homeowners and tenants) don’t automatically provide broad protections for water damage. Some people wrongly assume that sewer backup insurance provides adequate coverage. However, these policies only insure you from non-storm-related backflow from sewers or septic tanks. Sewer backup insurance doesn’t protect you if the backflow results from a sudden flow of external groundwater.To truly protect your home from floods, you can’t rely on standard home insurance policies or tenant insurance alone. Instead, you should turn to new forms of protection, like overland water endorsements.

    Overland Flood Endorsements

    Standard home, condo and tenant policies often exclude overland flood damage coverage. However, because extreme weather events are becoming more frequent, many insurers are now providing policyholders with the option to purchase add-ons (endorsements).In general, overland flood endorsements provide a level of flood insurance that was previously unavailable. Specifically, the overland flood endorsement can protect against damage resulting from melting snow, excess rain and overflowing riverbeds.With overland flood insurance, it is important to understand what is and what is not covered. Overland flood insurance covers damage from freshwater sources. This means that any claims related to coastal flooding, tsunamis and other saltwater sources are excluded. Dam breaks are also specifically designated as uncovered occurrences.

    Overland water endorsements are available to most property owners across Canada. However, a small number of dwellings may not qualify if the risk of flooding is too high in their area. The best way to determine your coverage eligibility is to contact your broker.

    For those living in areas that are on flood plains and regularly impacted by rising water, overland water or flood coverage is simply unavailable since insurance is designed to protect against random events, not predictable ones. When the next flood comes along, homeowners in these areas will have to avail of disaster relief assistance from the government if it is offered and if the homeowner qualifies.

In addition to insuring your home, we are committed to helping you and your loved ones stay safe when disaster strikes. If you would like more information on water coverage and all the affordable ways we can help you to protect your home and personal property, please contact Munn Insurance at 855-726-8627 today.