Service and Savings in Newfoundland

Current Customers
Auto Newfoundland2022-11-01T10:44:06-02:30

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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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

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

Unique benefits of a Munn Insurance auto policy.

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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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A mom dropping her son off at school.

We do the shopping. You get the savings.

Customers 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 customers with choices to provide 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

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
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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
Energy NL
Allied Health Professionals
Tech NL
A. Harvey

Munn Insurance is CAA’s preferred insurance provider in Newfoundland.

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A woman sitting in her car looking out the window smiling.
  • 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
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Someone driving an ATV
Two girls hanging out the door of an RV
A girl on a boat wearing a life jacket and holding a fishing rod.
Two people riding a snowmobile.
Someone driving a 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.

A yellow townhouse in downtown, St. John's.

Newfoundland car insurance – your questions answered.

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How is fault determined by insurance companies in Newfoundland and Labrador?2022-09-23T14:09:35-02:30

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.

What insurance system does Newfoundland and Labrador adhere to?2022-09-23T14:09:35-02:30

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.

In Newfoundland and Labrador, what are the penalties for driving without auto insurance?2022-09-23T14:09:35-02:30

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.

Is auto insurance mandatory in Newfoundland and Labrador?2022-09-23T14:09:35-02:30

Yes. The law requires motorists to carry insurance on their vehicle.

What can I do to find cheap auto insurance in Newfoundland and Labrador?2022-09-23T14:09:35-02:30

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
Newfoundland and Labrador’s auto insurance rates are low. Why?2022-09-23T14:09:35-02:30

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.

How do auto insurance rates in Newfoundland and Labrador compare to other provinces?2022-09-23T14:09:35-02:30

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

What are the factors used to determine auto insurance rates in Newfoundland and Labrador?2022-09-23T14:09:35-02:30

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
In Newfoundland and Labrador, who determines auto insurance rates?2022-09-23T14:09:35-02:30

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.

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

What to do when a wildfire occurs

If you are a Munn Insurance customer with property coverage, you are protected in the event of a fire. While our brave firefighters will do everything in their power to get the fire under control, there are some things you can do as a property owner during and after a wildfire to keep your home and family safe.

During a Wildfire

If you are advised to evacuate, do so immediately. Take your disaster supply kit, lock your home and choose a route away from the wildfire. Watch for changes in the speed and direction of the fire and smoke. Tell someone when you leave and where you are going.

If you are not ordered to evacuate and have time to prepare your home, take the following actions:

  • Arrange temporary housing at a friend or relative’s home outside the threatened area in case you need to evacuate, or contact the Canadian Red Cross at 1-800-222-9597.
  • Wear protective clothing when outside, such as sturdy shoes, cotton or wool clothes, long pants, a long-sleeved shirt, gloves and a handkerchief to protect your face.
  • Close outside attic, eaves, basement vents, windows, doors, and other openings. Remove flammable drapes and curtains. Close all shutters, blinds or heavy non-combustible window coverings to reduce radiant heat.
  • Close all doors inside the house to prevent drafts. Open the damper on your fireplace, but close the fireplace screen.
  • Shut off any natural gas, propane or fuel oil supplies at the source.
  • Connect garden hoses to outdoor water taps and fill any pools, hot tubs, garbage cans, tubs or other large containers with water.
  • Place lawn sprinklers on the roof and near aboveground fuel tanks. Leave sprinklers on and dowse these structures as long as possible.
  • If you have gas-powered pumps for water, make sure they are fuelled and ready.
  • Place valuable papers, mementos and anything “you can’t live without” inside the car in the garage, ready for quick departure.
  • Move flammable furniture into the center of the home away from the windows and sliding glass doors.
  • Turn on outside lights and leave a light on in every room to make the house more visible in heavy smoke.

After a Wildfire

The following are guidelines for what to do in the period following a wildfire.

  • If you remain at home, check the roof immediately after the fire danger has passed. Put out any roof fires, sparks or embers. Check the attic for hidden burning sparks.
  • For several hours after the wildfire, maintain a “fire watch.” Re-check for smoke and sparks throughout the house.
  • If you have evacuated, do not enter your home until fire officials say it is safe.
  • If you must leave your home because a building inspector says the building is unsafe, ask someone you trust to watch the property during your absence.
  • Use caution when entering burned areas as hazards may still exist, including hot spots, which can flare up without warning.
  • If you detect heat or smoke when entering a damaged building, evacuate immediately.
  • If you have a safe or strongbox, do not try to open it. It can hold intense heat for several hours. If the door is opened before the box has cooled, the contents could burst into flames.
  • Avoid damaged or fallen power lines, poles and downed wires.
  • Watch for ash pits and mark them for safety. Warn family and neighbours to keep clear of the pits.
  • Watch your pets closely and keep them under your direct control. Hidden embers and hot spots could burn them.
  • Follow public health guidance on safe cleanup of fire ash and safe use of masks.
  • Dampen debris to minimize inhaling dust particles.
  • Wear leather gloves and heavy-soled shoes to protect your hands and feet.
  • Properly dispose of cleaning products, paint, batteries and damaged fuel containers to avoid risk.
  • Discard any food that has been exposed to heat, smoke or soot.
  • Do NOT use water that you think may be contaminated to wash dishes, brush your teeth, prepare food, wash your hands, make ice or make baby formula.
  • You may find yourself in the position of taking charge of other people. Listen carefully to what people tell you, and deal patiently with urgent situations first.

In addition to insuring your home, we are committed to helping you and your loved ones stay safe when disaster strikes.

May 24, 2023|Categories: News|
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