Save on car insurance in CBS.
We’re one of Conception Bay South’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 CBS’s best auto protection and benefits. That’s a promise.
Conception Bay South, a region of growth and a bright future.
As one of the province’s newest towns in close proximity to the capital of Newfoundland, St. John’s and its international airport, it is also made up of some of Newfoundland’s oldest settlements. Conception Bay South is thriving with a growing business community and has become one of the most attractive places to live in the province. The excellent highway structure has been created with the growth of the Town in mind, and the best interest of residents to reach major health care facilities and St. John’s amenities in mind. Your insurance can be as unique as your route. At Munn Insurance you can find the most competitive auto insurance in CBS and save while you’re doing it.
Driving in Conception Bay South – Tips to keep you on the road.
SERIOUS ABOUT ROAD SAFETY.
With a current population of 26,000 residents and seeing steady growth, Conception Bay South has made it a priority to ensure neighbourhood safety for pedestrians, cyclists and drivers. With continued investment in traffic calming and education, the Town has regular radar patrol in areas know for higher driving speeds, mobile digital traffic signs, targeted traffic operations in partnership with the Royal Newfoundland Constabulary and a sidewalk program with a priority in school zone areas.
KEEPING AHEAD OF THE SNOW.
Winters in Newfoundland can be particularly daunting, so Conception Bay South has approximately 35 full-time and part-time staff to support the engagement of 18 pieces of snow-clearing equipment within a 24-hour period. During winter, the Town has three shifts out scheduled 24 hours a day, five days a week, with weekend on-call as needed. Even with the full fleet in operation it takes approximately eight hours to clear the entire town.
FIND YOUR SPEED.
With the Town continuing to grow, it has prioritized safety initiatives and traffic calming measures throughout. They continuously update a map embedded on the Conception Bay South website that collects speed data for various streets so residents can see what the average driving speed is in their neighbourhood.
KEEP THOSE PLATES CLEAN.
Anyone in control of a vehicle must make sure that identification plates are securely fastened at all times to the vehicle, no matter if the driver is the owner or not. It’s also important that the license plates are kept clean from dirt and that the numbers are visible at all times. This is especially important during the winter and spring seasons, when snow and dirt can accumulate and obstruct the view of the plate.
A few facts about car insurance in CBS.
- The average age of auto insurance policyholder in Conception Bay South is 30
- The average age of drivers in Conception Bay South is 41
- The number of accident claims in Conception Bay South in 2018 was 1500
- The top automotive brands we insure in Conception Bay South are Toyota, Chevrolet, Ford, Honda, Mazda, Dodge, Volkswagen
- 63% of people in Conception Bay South drive Cars
- 37% of people in Conception Bay South drive Trucks
Facts and myths about Conception Bay South.
FACTS
Conception Bay South was incorporated in 1973.
The Town consists of nine communities: Topsail, Chamberlains, Manuels, Long Pond, Foxtrap, Kelligrews, Upper Gullies, Lawrence Pond and Seal Cove.
The Town lies on a zone of Cambrian bedrock, primarily shale containing limestone concretions and manganese ores.
The majority of households have an income that is above the national average of $90,000.
MYTHS
CBS is actually comprised of nine communities, with its own municipal services such as automated garbage pickup and snow clearing. The Town has a thriving business community and a growing population.
The Town’s weather is some of the best in the province, with early settlers attracted to the region by good growing land, abundant supplies of firewood and the more temperate climate as compared to other parts of the Avalon Peninsula.
CBS is a town with nine unique communities that all boast attractions for tourists and residents alike. You can find the T’Railway, a non-motorized trail that traces the old Newfoundland Railway railbed. It’s also home to Topsail Beach that features an extensive picnic area, playground, gazebo and an amphitheatre. Many visitors partake in campfires and swimming. Visitors can also enjoy the Manuels River, an internationally recognized site known for 500-million-year-old trilobite fossils found along the riverbanks and visit the Manuels River Hibernia Interpretation Centre.
The Town has a growing a business community, with businesses in every category. CBS is home to everything from art galleries and recording studios to accounting firms and marketing agencies.
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 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
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 Conception Bay South.
Conception Bay South 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 South are:
- $200,000 in liability coverage per accident
- Uninsured and unidentified motorist coverage
Conception Bay South 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 South car insurance – your questions answered.
Our Latest Advice
Temporary Office Closure and System Maintenance – October 23–24th, 2025
As part of our exciting relocation to our newly renovated Head Office at 187 Kenmount Road, St. John’s, Munn Insurance will be completing a major IT and phone server migration this month.
To complete this work safely and efficiently, all Munn Insurance offices, systems, and client services will be temporarily unavailable starting at 1:00 PM on Thursday, October 23rd through to Friday, October 24th, 2025.
During this time, our teams will be conducting essential system migration and testing to ensure a smooth transition and deliver improved performance and reliability moving forward.
Normal business operations will resume on Monday, October 27th at 8:30 AM (NST).
We truly appreciate your patience and understanding as we complete this important milestone in our modernization journey. This upgrade will enhance our ability to serve you better with faster, more reliable systems and communications.
If you have any questions or support needs prior to the maintenance window, please don’t hesitate to contact us before October 23rd.
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