A thriving town nestled in an abundance of natural beauty, Clarenville is a hub of business and urban convenience. The residents enjoy the comforts of modern life without losing the small-town character and community spirit. Just a few minutes off the Trans-Canada Highway, it’s the perfect location for travellers heading across the province and for residents to travel to larger centres such as St. John’s and Gander. Your insurance can be as unique as your route. At Munn Insurance you can find the most competitive rates for auto insurance in Clarenville and save while you’re doing it.
Save on auto insurance in Clarenville.
We're one of the largest independent brokers for auto insurance in Clarenville. 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 Clarenville’s best auto protection and benefits. That's a promise.
Save on auto insurance in Clarenville.
We're one of Clarenville'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 Clarenville’s best auto protection and benefits. That's a promise.
Clarenville, limitless potential.
Driving in Clarenville – Tips to keep you on the road.
Driving by.
Clarenville is situated just minutes off the Trans-Canada Highway. This means a quick reduction in speed for highway travelling. From the intersection of Memorial Drive to Manitoba Drive, the speed is reduced from 100km to 70km.
Fog means focused.
Newfoundland means fog, and Clarenville is no exception to the towns that can be hit by this extremely dangerous weather condition that is often underplayed. Drivers should slow down as driving at normal speeds in fog can be very dangerous. Slowing down means more time to react to traffic stops and potential hazards. Also, motorists should avoid using high-beam headlights in fog as fog consists of tiny water droplets that spread and reflect light. Low-beams should be used to help vehicles to be visible to one another. And last, always remain focused. Turn down the radio, stop conversations and keep attention on the road.
Take a cab.
Newfoundland has severe impaired driving regulations to help keep all residents safe. As of 2017, any driver whose licence was suspended after an impaired driving conviction will be required to enter a mandatory ignition interlock program as a condition of reinstatement. As well, anyone 22 years and younger are required to maintain a zero-blood alcohol content while driving. Not a risk you want to take. There are three cab companies in Clarenville and Shoal Harbour ready to take you wherever you need to go.
Hand free at all times.
Fines for using a cell phone while driving are high in the province of Newfoundland, and the RNC are extremely vigilant in the Town of Clarenville. The current penalty is 4 demerit points with fines ranging from $350 to $1000.
A few facts about auto insurance in Clarenville.
- The average age of auto insurance policyholder in Clarenville is 34
- The average age of drivers in Clarenville is 46
- The number of accident claims in Clarenville in 2018 was 1000
- The top automotive brands we insure in Clarenville are Ford, Chevrolet, Honda, Toyota, Hyundai, Dodge, GMC
- 60% of people in Clarenville drive Cars
- 40% of people in Clarenville drive Trucks
Facts and myths about Clarenville.
Facts
The Town acts as a natural gateway to the Discovery Trail, extending down the Bonavista Peninsula to Trinity and Bonavista, the reputed site of the first landing of European explorer John Cabot.
Clarenville is centrally located and within two hours’ driving time of 70% of the province’s population.
Clarenville has the only ski resort east of Corner Brook, White Hills Ski Resort.
The Town held the 1994 Newfoundland Winter Games, the 1997 National Under 17 Men’s Softball Tournament and in November 2010 hosted two games of the Four Nations Cup.
Myths
There is minimal health care in Clarenville.
Health services in Clarenville are managed by Eastern Health. Clarenville has five health care facilities, the Dr. G.B. Cross Memorial Hospital, Dr. Albert O’Mahoy Memorial Manor, Coish Place, Protective Community Care Residence and DM Brown Building.
There is nothing to do in Clarenville.
Clarenville has a variety of recreational facilities and activities. From sports centres, an event centre, multiple parks and trails to a farmer’s market, a marina and multiple historic sites, there is something for everyone.
Residents must leave for schooling.
The Town has an elementary, middle and high school. Clarenville is also home to the College of the North Atlantic Clarenville Campus that offers a variety of certificate and diploma programs.
A trip to larger cities takes forever.
Clarenville is situated within two hours’ drive of 70% of Newfoundland’s population.
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:
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 Clarenville.
Clarenville 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 Clarenville are:
- $200,000 in liability coverage per accident
- Uninsured and unidentified motorist coverage
Clarenville 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.
Clarenville 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 Clarenville?
There are many ways to get cheap auto insurance in Clarenville:
- 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 in Clarenville?
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
Debunking Home Insurance Myths
Debunking Home Insurance Myths
The world of insurance is complex and often difficult to understand. Rules and laws change frequently, so what was accurate, say 10-15 years ago, may not be correct now. As your broker, it is our job to help you navigate the world of insurance. This is why we have compiled a list of 6 common home insurance myths.
- My home’s insurable value is based on its market value.
Your home’s insurable value is not the same as its market value. Unlike the market value, insurable value does not include the cost of acquiring land and is generally based on the amount required for purchasing building materials and hiring contractors to build a replacement.
- Your home insurance policy always covers flood damage.
Most standard home insurance policies cover water damage caused by things inside your home (like a burst pipe or broken hot water boiler). But, damage caused by water that enters your home from external sources (during heavy rainfall, a sewer backup, or a sump pump failure, for example) is generally not covered on standard packages but can be purchased additionally.
- All my valuables and possessions are covered in my home owner’s policy.
When you purchase a home insurance policy, you receive some content coverage. However, this content coverage might not be enough to cover very expensive or valuable possessions, such as jewelry or art. Don’t assume that you have insurance on all your possessions. When in doubt, please ask one of our insurance specialists.
- My home business is covered under my home insurance policy.
Your home insurance policy will likely not cover claims associated with a home-based business unless the business is included on the policy.
- Home insurance is required by law.
True, Short of. The government does not require home insurance. However, most lenders and banks require home insurance as a condition of a mortgage. Regardless if it is required or not, we strongly recommend all home owners purchase insurance.
- My home insurance covers my tenants.
False. While your home insurance policy will cover the apartment’s structure, it will likely not cover their possessions.
If you have any questions or would like to know if your “myth” is accurate, please reach out to one of our friendly staff members today at 1.855.726.8627.
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