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Auto Conception Bay South Newfoundland Insurance Quotes2025-12-15T19:21:34-03:30

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
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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

Conception Bay South is a small coastal region reliant on St. John’s.

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.

Conception Bay South weather is the same or worse than the rest of Newfoundland.

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.

There are no tourism attractions within Conception Bay South.

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.

For most shopping and services, residents must travel to St. John’s.

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
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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
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  • 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 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.

A young girl sitting in a car seat in a pink jacket.
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

E-Scooters and E-Bikes Are an Emerging Risk on Our Streets: What Drivers, Parents and Young Riders Need to Know

E-scooters and e-bikes are an emerging risk on our streets, putting more young riders into traffic with cars, trucks and SUVs.

They are convenient, fun and increasingly popular. But they can also move surprisingly fast, be difficult for drivers to see and put young riders with limited road experience into situations where one bad decision can have serious consequences.

And this isn’t simply a message for kids.

Drivers need to slow down and stay alert. Parents need to talk about safety. And young riders need to understand that when they take an e-scooter or e-bike onto the street, they are part of traffic.

Injuries Are Rising — Especially Among Young Riders

The growing popularity of e-scooters and e-bikes is being accompanied by a concerning increase in injuries.

Canadian Institute for Health Information data shows that the number of people hospitalized with e-scooter injuries between April 2025 and March 2026, is up almost 40 per cent.

The increase among children is even more concerning. Hospitalizations involving children 15 and under nearly tripled in one year. Fractures and head and brain injuries were among the most common reasons riders were hospitalized.

These are not simply scraped knees and bruises.

They include broken bones, serious head injuries, surgery, extended hospital stays and, in the most tragic cases, death.

The Canadian Paediatric Surveillance Program has raised similar concerns about severe injuries involving powered personal mobility devices, including e-scooters and e-bikes. In 2025, paediatricians reported 57 severe cases involving children and youth, including 10 deaths, 12 intensive-care admissions and 26 prolonged hospitalizations. Head injuries accounted for 47 per cent of the cases.

Atlantic Canada Is Seeing the Warning Signs

Atlantic Canada is not immune.

Health professionals in Halifax have been raising concerns about the issue for some time. An IWK emergency physician and trauma team leader described a summer of unprecedented e-scooter injuries, including serious fractures to the face, arms and legs, injuries requiring surgery and life-changing head injuries. She said both the number and severity of injuries being seen were alarming.

Those concerns are growing as the devices become more common.

IWK Health now takes the position that children under 16 should not operate e-scooters. Its Child Safety Link says these devices can travel as fast as 32 km/h and notes that children under 16 generally do not have the judgement, strength, coordination or experience required to operate them safely. IWK also cautions that e-scooters and e-bikes should not be confused with children’s toys or traditional non-powered scooters and bicycles.

And here in Newfoundland and Labrador, we are seeing the issue play out on our own streets.

We Are Seeing It Here at Home

On September 4, 2026, VOCM reported that an RNC officer had encountered approximately 40 or more young people riding e-bikes and e-scooters in the St. John’s area.

The officer later came across a collision involving two young riders, ages 11 and 12. Police checked on the riders, spoke with the children and their parents, and issued a summary offence ticket to one of the young operators. RNC also used the incident to ask parents to speak with their children about the safe use of e-bikes and e-scooters.

That incident follows several others involving young riders this summer.

On Canada Day, RNC responded to two separate scooter collisions. In Corner Brook, an eight-year-old boy riding an e-scooter was struck by a reversing vehicle. A few hours later in Mount Pearl, a 13-year-old boy was struck while riding a scooter across a roadway.

Then, on July 29, a 12-year-old e-scooter rider suffered non-life-threatening injuries in a collision with an SUV in St. John’s. The vehicle left the scene.

No single incident defines the problem. But taken together with what hospitals and injury-prevention experts are seeing across Canada, they reinforce an important point:

This is an emerging road-safety issue. Its real.  Its serious.  And it is already showing up on our streets.

These Aren’t Just Toys

That may be one of the most important messages for parents and young riders.

An e-scooter can look like a toy.

An e-bike can look much like an ordinary bicycle.

But adding an electric motor changes the equation.

Some of these devices can travel at speeds approaching 30 km/h or more. At 30 km/h, a rider is travelling more than eight metres every second.

That matters when approaching an intersection.

It matters when coming out of a driveway.

It matters when riding beside parked vehicles.

And it matters when a driver looks, believes the road is clear and begins to turn or pull out.

A young rider can reach that vehicle much sooner than the driver expects.

Being able to operate the throttle or controls does not necessarily mean a child has the judgement, road knowledge or traffic awareness to deal safely with an unexpected vehicle, pedestrian, pothole or intersection at speed.

Drivers: Expect Young Riders to Be There

For drivers, one of the biggest changes may simply be learning to expect e-scooters and e-bikes on neighbourhood streets.

A residential road where you once expected to see a child slowly pedalling a bicycle may now have a young rider approaching much faster.

That means looking carefully before backing out of a driveway.

Take another look before turning at an intersection or crossing a bike lane. Watch for riders emerging from behind parked vehicles. Be particularly cautious around playgrounds, schools and neighbourhoods where children gather.

And pay extra attention around dusk.

A young rider on an e-scooter or e-bike has a small profile. Add fading daylight, dark clothing, trees, parked vehicles, wet pavement or oncoming headlights and they can become much harder to see.

RNC has specifically reminded motorists to reduce speeds in residential areas, avoid distractions, share the road and watch for cyclists and scooter riders.

Slow down. Look twice. Give riders room. Expect the unexpected.

A driver has a seat belt, airbags and the structure of a vehicle around them.

A young person on an e-scooter or e-bike does not.

Parents: This Needs to Be More Than a Helmet Conversation

Helmets matter.

But keeping kids safe on an e-scooter or e-bike requires more than telling them to put one on.

Parents should know exactly what their child is riding and whether they even should be driving a motorized vehicle in the first place.

How fast can it go? How powerful is it? Where are they riding it? Are they riding alone or with friends? Are they going out around dusk or after dark? Are they riding on sidewalks, streets or through intersections? Do they know and follow the rules of the  road?

And most importantly, do they understand what it means to mix with traffic?

Talk about the situations they are likely to encounter.

A driver backing out of a driveway may not see them.

A turning vehicle may cross their path.

A parked car door can suddenly open.

A driver may see them but completely misjudge how quickly they are approaching.

Riding with a group of friends can create another challenge. Kids may ride side by side, follow each other through intersections, weave around traffic or simply become more focused on their friends than on what is happening around them.

Parents need to set clear expectations around where, when and how these devices are used.

And know the capabilities of the device before your child gets on it.

An e-scooter or e-bike capable of carrying a young person into traffic at significant speed deserves rules that match the risk.

Riders: Never Assume a Driver Sees You

If you ride an e-scooter or e-bike, remember one thing every time you head out:

Never assume a driver sees you.

You might see the car.

You might even see the driver looking in your direction.

That does not mean the driver has noticed you, understood how quickly you are travelling or figured out what you are about to do.

Be predictable.

Wear a properly fitted helmet. Use your lights. Wear bright or reflective clothing when visibility is poor. Slow down around intersections and driveways. Put your phone away. Avoid headphones or earbuds that prevent you from hearing what is happening around you. Do not weave through traffic or suddenly change direction.

And follow the rules of the road.

Know the Rules in Newfoundland and Labrador

RCMP Newfoundland and Labrador reminds cyclists, including e-bike operators, that they have the same rights and duties as drivers of motor vehicles and are required to follow the Highway Traffic Act.

Among its safety and enforcement reminders, RCMP tells bicycle and e-bike riders to:

stay off sidewalks, obey traffic signs and lights, ride on the right side of the road in the same direction as traffic, and signal turns;

use a white front light and a red rear light or reflector when riding between one half-hour before sunset and one half-hour after sunrise;

ensure the bicycle has at least one working brake;

wear an approved helmet; and

remain at the scene and identify themselves when required following a collision.

RCMP says violations of applicable Highway Traffic Act requirements can result in fines.

The rules around e-scooters and other electric mobility devices are still evolving in Newfoundland and Labrador. In August 2026, the Provincial Government specifically identified e-bikes, e-scooters and other micromobility devices as one of four priority areas in its Highway Traffic Act consultation, with feedback intended to inform legislative amendments for the fall sitting of the House of Assembly.

That makes it particularly important for parents and riders to understand that the rules may depend on the type of device being used.

Nova Scotia Has Rules for E-Scooters Too

Nova Scotia has already established provincial requirements for electric kick-scooters.

The province set a minimum operating age of 14, a maximum permitted speed of 32 km/h, helmet requirements and other operating restrictions. Municipalities can impose additional rules, including lower speed limits and restrictions on where e-scooters can be used.

In Halifax, for example, e-scooters are permitted on certain roadways, bicycle lanes and multi-use pathways, but not on sidewalks. The municipal maximum is 25 km/h on roadways and bike lanes and 15 km/h on multi-use pathways.

The important message for parents and riders in both provinces is simple:

Do not assume that because an e-bike or e-scooter can be purchased, it can be ridden anywhere, by anyone, at any speed.

Know what you own. Know where it can be ridden. And know the rules.

Our Streets Are Changing

E-scooters and e-bikes are not going away.

They are convenient. They give young people independence. And they can be a fun and practical way to get around.

But they are also putting more young riders on faster electric devices into the same space as cars, trucks, pedestrians and traditional cyclists.

The injury numbers are rising. We are seeing collisions here at home. Police are issuing warnings and tickets. Governments are reviewing the rules. Health professionals are raising concerns.

This is an emerging road-safety issue, and everyone has a part to play.

Drivers, slow down and stay alert.

Parents, know what your kids are riding and make safety part of the conversation.

Riders, wear a helmet, stay visible, ride predictably and follow the rules of the road.

Looking Out for Each Other

At Munn Insurance, we believe being part of a community means more than helping people when something goes wrong. It also means helping raise awareness about risks we are seeing and doing what we can to help prevent injuries before they happen.

E-scooters and e-bikes are changing the way young people get around, and all of us are still adjusting. Drivers, parents and riders each have a role to play in making our streets safer.

Slow down. Talk about safety. Ride responsibly. And look out for each other.

Because safer streets and safer communities are something we all have a stake in.

September 10, 2026|Categories: Auto Newfoundland, Auto Nova Scotia|
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