Save on auto insurance in Conception Bay North.
We’re one of Conception Bay North’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 CBN’s best auto protection and benefits. That’s a promise.
Conception Bay North, a beautiful collection of towns.
The drive through Conception Bay North will bring you through a variety of unique towns with a history all their own. The area is home to larger centres such as Carbonear, Harbour Grace, Brigus, Cupids, Port de Grave, Spaniard’s Bay, Upper Island Cove, and Bay Roberts that act as hubs servicing smaller communities. You really see what Newfoundland is with a drive around Conception Bay North. Your insurance can be as unique as your route. At Munn Insurance you can find the most competitive auto insurance in CBN and save while you’re doing it.
Driving in Conception Bay North – Tips to keep you on the road.
STAY PHONE FREE.
Fines for using a cell phone while driving are high in the province of Newfoundland, and the RNC are extremely vigilant in Conception Bay North. The current penalty is 4 demerit points with fines ranging from $350 to $1000.
MOOSE AROUND EVERY CORNER.
Conception Bay North is no stranger to moose. There are approximately 120,000 moose on the island and even the more populated areas are surrounded by dense forest areas. The animals tend to wander onto roadways and are more active during sunrise and sunset. Don’t be fooled by the fact you may be driving by a shopping plaza; a moose can very easily wander across your path.
MOVE OVER – IT’S THE LAW.
As in all of Newfoundland, Conception Bay North is very strict with the Move Over Law. This law applies when a designated vehicle is stopped and operating its red, blue or amber lights or has other traffic warning signals displayed. The general rule is to create a buffer lane by slowing down and putting as much distance between the driver and the stopped vehicle. If there is another lane going in the same direction and it is safe to do so, the driver must slow down and change lanes so there is a full lane between the driver and the stopped vehicle. If a second lane isn’t available, the driver must put as much distance between the vehicle and the designated vehicle that is safely possible.
A few facts about auto insurance in Conception Bay North.
- The average age of auto insurance policyholder in Conception Bay North is 30
- The average age of drivers in Conception Bay North is 42
- The number of accident claims in Conception Bay North in 2018 was 1400
- The top automotive brands we insure in Conception Bay North are Ford, Chevrolet, GMC, Honda, Toyota, Hyundai
- 54% of people in Conception Bay North drive Cars
- 46% of people in Conception Bay North drive Trucks
Facts and myths about Conception Bay North.
FACTS
Bay Roberts is home to the Western Union Cable Building, which was built in 1913 as a cable relay station for telegraph cables between Sennen Cove, Cornwall, England and Coney Island. During World War II, 75% of all trans-Atlantic cable messages went through the building.
Carbonear was first settled by people from West Country England in the earl 1600’s making it one of the oldest European settlements in North America.
Harbour Grace was founded by Francis I of France in 1517, with the name ‘Harbour Grace’ thought to be derived from Harve de Grace, the name used for LeHarve, France.
Brigus is well known for its annual Brigus Blueberry Festival. It’s three days of festivities, crafts, concessions, contests, Miss Blueberry Pageant and a lot of blueberries. Everything at the festival is, of course, inspired by this wild berry.
MYTHS
There are health facilities in all major communities in Conception Bay North, including a hospital in Carbonear and multiple medical clinics in nearby towns and communities.
All major centres in the area are home to K-12 schools, with all surrounding communities being in close proximity to schools as well. Carbonear also hosts a College of the North Atlantic campus for post-secondary students.
In fact, the distance from generally all communities and centres in Conception Bay North is about an hour’s drive to St. John’s.
All communities are approximately within 30 minutes of one another, some places as little as 10 minutes apart.
We do the shopping. You get the savings.
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
If you’re an employee of one of our Special Groups, call us today to start saving!
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 Conception Bay North.
Conception Bay North 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 Conception Bay North are:
- $200,000 in liability coverage per accident
- Uninsured and unidentified motorist coverage
Conception Bay North 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.
Conception Bay North car insurance – your questions answered.
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.
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