Save on car 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 car 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 car 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
6 Tips To Shop Safely Online
Today is Cyber Monday, and it feels like every website has incredible deals. Shopping online makes it easy to find the best sales and avoid going to busy stores! However, shopping online does come with some cyber risks. So it is essential to take steps to protect yourself anytime you enter personal information online.
1. Use Familiar Websites – Do you know the site you’re visiting? Use a trusted site. Knowing the site and the business makes you more likely to shop online safely. If you are not sure if a site is legitimate, maybe it’s a new small business, call them to verify.
2. Only Shop HTTPS – Never buy anything online using your credit card from a site that doesn’t have SSL (secure sockets layer) encryption installed. You’ll know if the site has SSL because the URL for the site will start with HTTPS – instead of just HTTP.
3. Don’t Overshare – Consider what information a company needs for you to make a purchase. Even if the purchase transaction is safe, well-established companies can still experience data breaches.
4. Check Statements Regularly – Don’t wait for your bill to come at the end of the month. Go online regularly, especially during the holiday season, to view electronic statements for your credit card, debit card, and checking accounts.
5. Only Shop Online with a Credit Card – If your debit card is compromised, cybercriminals will have direct access to your bank funds.
6. Use Caution When Shopping Online on Public Networks – Be extra careful when shopping on public Wi-Fi or hotspots, as they are not always secure and are easier to hack. In addition, if you are at your local coffee shop doing some holiday shopping, be aware when you have to enter the credit card number, expiration date and 3-digit code into a site because you’re giving an over-the-shoulder snooper plenty of time to copy the information.
When in doubt, do your research, call the business, look up their online reviews, or check their status on the Better Business Bureau.
Happy Shopping!
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