Save on auto 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 and registration stickers 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 auto 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 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 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
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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