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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.

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!
Using our simple online quoting
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.
In minutes we'll shop around
to get the best deal for you.
3.

You save big.

REALLY BIG!
We can save you up to
30% without breaking
a sweat.
We can save you up to 30%
without breaking a sweat.
Real people.
Our customers love to save.

Unique benefits of a Munn Insurance auto policy.

father son suv insurance

Great additional features that come standard with your automobile insurance policy from Munn Insurance:

  • 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.

trinity newfoundland auto insurance
mother family school van insurance

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:
insurance providers Newfoundland

Recent Auto Insurance Quotes in Newfoundland and Labrador

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 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 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 is CAA’s preferred insurance provider in Newfoundland.

Mom window of car CAA Members can SAVE up to 20% on Auto and Home Insurance
CAA Members Save up to 20% at Munn Insurance
CAA Members Save up to 20% at Munn Insurance
  • 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
Munn Insurance MyRIde Leisure ATV Coverage
Munn Insurance MyRide Leisure Watercraft Coverage
Munn Insurance MyRide Leisure Snowmobile Coverage
Munn Insurance MyRide Leisure Classic Car

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.

Downtown St. John's Newfoundland Insurance
Downtown St. John's Newfoundland Insurance

Newfoundland car insurance – your questions answered.

Car Seat Coverage
  • 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

Car flies through my garage. Now what?

When a Car hits Garage or House - Munn Insurance

Quiet night at home when suddenly there is a loud, and I mean loud, crashing sound and the entire house starts to shake. Scary.  That’s what happens when a car comes crashing into your garage at the front of your home.  It happens.  More often than you think.  Just Google “car crashes into garage.”  Hundreds of pictures.

It happened on a quiet neighborhood in St. John’s just a couple of days ago.  Several people have asked us, so how does this all work from an insurance perspective?   Does the driver’s insurance company pay?  Does the homeowner’s policy apply? Who pays for what?  Shouldn’t the driver be responsible? All good questions, and helping you understand all this is where your insurance broker can really help.

If we received a panicked call from a homeowner who had an extra car in their garage, the first thing we would ask is, “Is everyone ok?”  Hopefully nobody is hurt.  So, when the shock of what has happened begins to fade, the big question becomes, “so what do I do now?”

From a strictly insurance perspective, there are a few things that you need to know.  When a vehicle (driverless or otherwise) strikes a home and causes damage, the homeowner has some options in terms of managing the claim.  For starters, they can access their own home policy for the repairs, or they can go through the driver’s auto policy.

If the homeowner goes through their own home policy they would likely have the benefit of a guaranteed replacement clause.  If so, the repairs are managed by the homeowner’s insurance and completely covered; all the costs of putting everything back to the way it was before the accident would be covered.  All associated costs for the repair are guaranteed.   This would include fixing or replacing the damaged structure, siding, windows, doors, furniture, drapes, carpet, floors, damaged contents. Everything.

In all likelihood, estimates would be required and the homeowner and the insurance company would agree on the amount for the repairs and replacement based on the estimates provided.  A preferred restoration contractor would be selected to do the work or the homeowner might agree to take a cash settlement and coordinate / complete the repairs on their own.  The home is then returned to its original condition. As noted, in this scenario all costs would be covered.

If this were a Munn customer, we would engage in this process and help the policyholder manage the claim, holding their hand so to speak throughout the entire process with the insurance company (i.e. Aviva, Intact, RSA or Travelers).  Munn would provide advice and make sure that our customer was taken care of at every stage; ensuring the repairs were being completed to the highest standard.  There would be regular dialogue and support throughout provided by Munn.

It is important to note, if this was the route taken, there would now be a claim on this home policy.  Because a claim could impact the policy in the future, it is important to discuss this with your broker who can advise you of the potential impacts and options available.  In this scenario, the homeowner could be responsible for paying the deductible on the policy which would typically be $500 or $1000; but in all likelihood this would be reimbursed by the auto policy of the car that crashed into the house. But the key here is that the full cost of all the repairs would be completely covered.

The homeowner does have an option to put through a claim directly with the auto insurance company of the driver of the vehicle that caused the damage.  However, it is important to note that the coverage available to repair the home in an auto policy may not be the same as the coverage purchased on a homeowner’s policy.  If the homeowner elected to go through the drivers auto policy to cover the repairs to the home, the claim settlement would be reviewed under the third party liability coverage of the auto policy.  As such, the claim settlement would be the cost of the repairs less the depreciation on things such as windows, doors, siding, etc.  For example, if siding has a life expectancy of 20 years and the house is 10 years old, the settlement for the siding would cover just 50% of the cost for the siding.  Same applies to windows and doors.  In most cases, the impact of the depreciation would be such that going through the driver’s auto policy would not make financial sense.  But best to get advice from your broker.

Munn is an insurance broker, and we are your advocate.  A broker will provide advice and a choice of policies from several insurance companies; working with you to find the one that is best for you.  The insurance company (i.e. Aviva, Intact, RSA, or Travelers) manufactures the policy, defines the coverage and sets the price.  It is also the insurance company that oversees the claims process, setting terms, defining the process and making the decisions on the settlement.  If you are not working with a broker, you should.

A good broker will help you understand these terms and policies and provide advice on how best to proceed; even help you throughout a claim.  So make sure you call your broker and get the advice and support you need to make the best decisions; before a car flies through your garage!

If you would like more information or if you have any questions on your home or auto insurance, please contact Munn Insurance at 855-726-8627 today.