Great additional features that come standard with your automobile insurance policy from Munn Insurance:
NEW SALES
1-844-554-0525CURRENT CUSTOMERS
1-855-726-8627Save on auto insurance in Newfoundland.
We're one of Newfoundland'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 Newfoundland’s best auto protection and benefits. That's a promise.
Save on auto insurance in Newfoundland.
We're one of Newfoundland'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 Newfoundland’s best auto protection and benefits. That's a promise.
Switch to Munn.
It's Simple 😉
1.
Get a quote.
CLICK OR CALL.
Using our simple online
quoting system, or call
us toll-free!
quoting system, or call
us toll-free!
Using our simple online quoting
system, or call us toll-free!
system, or call us toll-free!
2.
We shop.
WE’RE FAST!
In minutes we'll shop
around to get the
best deal for you.
around to get the
best deal for you.
In minutes we'll shop around
to get the best deal for you.
to get the best deal for you.
3.
You save big.
REALLY BIG!
We can save you up to
30% without breaking
a sweat.
30% without breaking
a sweat.
We can save you up to 30%
without breaking a sweat.
without breaking a sweat.
Real people.
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.”
KAY ST. JOHN'S
“Lisa is the bomb. We are in Ontario and she made it so easy for us. Thanks Lisa at Munn Insurance.”
DIANE ST. JOHN'S
“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.”
PETER HALIFAX
“All I can say is THANKS! I switched after 10 years and saved a lot of money.”
MARY CORNER BROOK
“Great service and saved me $600 a year. I highly recommend!”
JENNY ST. JOHN'S
“Great place to deal with. Very happy with the service!”
MICHAEL ST. JOHN'S
“The best insurance company. Lower rates than other insurance companies. Always someone available to discuss your concerns. I always and most definitely recommend to others. Sincere thanks.”
DIANNE ST. JOHN'S
“I am very pleased with the customer service I received from Munn – they really do care.”
RICHARD BEDFORD
“Very impressed with Munn Insurance. The people who work there are amazing!”
EMILY ST. JOHN'S
“Great customer experience with Munn Insurance!”
PADDY ST. JOHN'S
“Excellent claims service!”
TREVOR ST. JOHN'S
“It was great to deal with Munn after my accident. They made sure I was looked after.”
DAVID BAY ROBERTS
“I bought a group policy from Munn and saved over $350 a year!”
DAVE ST. JOHN'S
“Great service!”
ROBERT ST. JOHN'S
“Prior to switching, I heard great things. Now knowing more about the company and its customer service obsession. I Understand why it’s so great.”
JILLIAN ST. JOHN'S
“I’m very happy with my policy and the service. Munn gave me the best coverage for the best price. Switching from my old company was easy and simple.”
JEANETTE ST. JOHN'S
“I switched my insurance last year and I am extremely happy with the service provided by Munn Insurance.”
DARLENE ST. JOHN'S
Unique benefits of a Munn Insurance auto policy.
- Unbeatable customer care – we will show you the love
- Easy monthly payments – unparalleled convenience
- Discounts, discounts and more discounts – too many to list them all
- Accident forgiveness – the best available
- Local, fast and efficient 24-7 claims service
- Combine your home and auto policy and save on both – most companies only give the home discount
- Industry leading new vehicle 30-month depreciation waiver – which is insurance speak for “more money in your pocket!”
Compare auto insurance quotes in Newfoundland and Labrador -- and just see what you can do with the savings!
In Newfoundland and Labrador, auto insurance is available from a wide array of private companies who compete with one another to allow consumers to shop around for a better rate. As an independent broker, Munn Insurance can provide you with quotes from up to eight insurance companies. By calling Munn, or going online for a quote, customers in Newfoundland can easily compare car insurance rates and find the best car insurance and save on their auto insurance premiums.
We do the shopping. You get the savings.
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:
Recent Auto Insurance Quotes in Newfoundland and Labrador
40 year old driver from Clarenville
2016 Ford F150 Regular Cab XLT Pickup
| Aviva – Traders | $90 |
| Travellers | $94 |
| Aviva – S&Y | $110 |
| Intact | $132 |
| Price range of $499 | |
|---|---|
Updated September 3, 2019
35 year old driver from Corner Brook
2017 Toyota Corolla CE
| Aviva – Traders | $76 |
| Travelers | $84 |
| Aviva – S&Y | $96 |
| Intact | $120 |
| Price range of $516 | |
|---|---|
Updated September 3, 2019
45 Year old Driver from Grand Falls-Windsor
2018 Dodge Grand Caravan SE
| Aviva – Traders | $76 |
| Travelers | $86 |
| Aviva – S&Y | $96 |
| Intact | $119 |
| Price range of $513 | |
|---|---|
Updated September 3, 2019
50 year old driver from St. John’s
2017 Hyundai Elantra GL
| Aviva – Traders | $120 |
| Travelers | $123 |
| Aviva – S&Y | $150 |
| Intact | $152 |
| Price range of $384 | |
|---|---|
Updated September 3, 2019
58 year old driver from Mount Pearl
2018 Chevrolet Cruz
| Travelers | $108 |
| Aviva – Traders | $118 |
| Intact | $139 |
| Aviva – S&Y | $147 |
| Price range of $474 | |
|---|---|
Updated September 3, 2019
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 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
Special discounts and savings with a Munn Insurance Group policy.
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
- 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
Car insurance laws in Newfoundland.
Newfoundland and Labrador 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 Newfoundland are:
- $200,000 in liability coverage per accident
- Uninsured and unidentified motorist coverage
Newfoundland 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.
Newfoundland car insurance – your questions answered.
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.
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
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
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.
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
Is auto insurance mandatory in Newfoundland and Labrador?
Yes. The law requires motorists to carry insurance on their vehicle.
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.
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.
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.
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
Financial Relief Measures. What insurance companies are doing to support customers.
Are you looking for financial relief and help understanding what insurance companies are doing to support customers during COVID-19 crisis? We have the answers.
As a result of the COVID-19 crisis, many insurance companies such as Aviva, Intact¸ Travelers, Economical, Pembridge, Pafco, Wawanesa, RSA, and CAA (members of the Insurance Bureau of Canada) have stated their willingness to help consumers at this difficult time. These are the companies that set the rates and define the insurance products that brokers like Munn can provide to customers.
On April 8th, the Insurance Bureau of Canada (IBC) announced that the industry was making changes to help Canadians cope with the financial impact of COVID-19 including substantial financial relief measures. There are many different solutions being discussed and some differ from one insurance provider to another. That can be confusing. But we can help.
We have reviewed the programs and promises from each insurance company and have had discussions with our many insurance markets to understand how they are stepping up to help consumers at this time.
Here is a summary of the programs that are in place to help you currently:
- Lower premium if you are driving less: For some consumers whose driving habits have changed significantly, certain insurance companies are offering reductions in auto insurance premiums to reflect this reduced risk. If you had indicated having a low annual driving usage and had to drive short distances to work when you originally purchased your policy, you may not benefit from this change.
- Lower premium if you have stopped driving: Customers who have stopped driving entirely can reduce their auto insurance premiums with some insurance companies. This is an example of reducing coverage on your policy and this could help you reduce your premium.
- Deferred premiums: Customers who are experiencing financial stress due to COVID-19 can call their broker to defer their insurance premium for up to 90 days without additional fee or penalty with certain insurance markets. Payment of the deferred premiums will be required following the deferral period.
- Freezing premium increases at renewal: While several insurance markets have filed for and have been permitted rate increases in 2020, some insurance markets are freezing any additional and future premium increases after a certain date. If applicable, this would apply to renewals processed after a certain date upon approval from the regulator in each province. Customers who have had significant claims losses or traffic violations may not be eligible for this benefit.
- Flexible payment options: Certain insurance companies have committed to explore flexible payment options on renewals for consumers who are in a vulnerable position or facing financial hardship because of COVID-19. Insurance companies may not apply these payment options on new business sales.
- Waiving fees: Several insurance companies have agreed to waive certain fees and charges (i.e. non-sufficient funds also known as an NSF fee). Customers would however remain responsible for any NSF fees your bank may charge you.
- Flexible coverage: If you are temporarily using your car or home differently (for example, you may be using your car to commute to work instead of taking public transit, or you may be working from home) it will not affect your premium or your ability to make a claim.
We understand this is a difficult time for individuals, families and businesses. Our priority is to be here to help you in this time of uncertainty. The options provided by each insurance company are slightly different. If you need help understanding how to take advantage of the programs being offered or would like a quote to compare with your current policy, please contact Munn Insurance at 855-726-8627 We’re here to help!
https://www.aviva.ca/en/press-releases/2020/covid-19-helping-drivers/
https://www.intact.ca/on/en/covid19.html
https://www.travelers.com/about-travelers/covid-19-coronavirus-update
Protecting an Idle Business. 12 Tips for Managing a Business Shutdown
12 tips for managing a business shutdown during the COVID-19 crisis in Newfoundland and Labrador, and Nova Scotia.
Read More10 Working from Home Cyber Security Tips
10 working from home cyber security tips for employees in Newfoundland and Labrador, and Nova Scotia.
Read MoreFree Roadside Assistance for First Responders and Healthcare Heroes
We are thrilled that Aviva is offering complimentary free roadside assistance to first responders and healthcare workers.
Read MoreFinancial Relief Measures. What insurance companies are doing to support customers.
Are you looking for financial relief and help understanding what insurance companies are doing to support customers…
Read More5 Quick Tips to Help you Save on Car Insurance
Understanding how car insurance works can help you can save on your premiums.
Read MoreTop 10 Auto Insurance Discounts
There are many ways to obtain car insurance discounts, from choosing the right car to reducing…
Read MoreWorking from Home Tips
The outbreak of the Coronavirus has more people working from home. In fact, most of our office…
Read MoreCOVID-19 Pandemic Update
We have all watched as the coronavirus has moved across the globe since the end of 2019. Every day we…
Read MoreBusiness Insurance and COVID-19 Pandemic Update
We have all watched as the coronavirus (COVID-19) has moved across the globe since the end of 2019…
Read More