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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.
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Get a quote.

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system, or call us toll-free!
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In minutes we'll shop around
to get the best deal for you.
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We can save you up to
30% without breaking
a sweat.
We can save you up to 30%
without breaking a sweat.
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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.

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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:
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Recent Auto Insurance Quotes in Newfoundland and Labrador

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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 Group Insurance for Paramedics
Munn Insurance Group Insurance for CAA Members
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 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 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.
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  • 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

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.