Offering everything a major city does while keeping the small-town charm, Corner Brook is a destination and residence for many. You can take in the sights and sounds, experience nature and culture at every turn. You drive through history and a modernized city at the same time. At Munn Insurance you can find the most competitive auto insurance in Corner Brook and save while you’re doing it.
Save on auto insurance in Corner Brook.
We're one of the largest independent brokers for Corner Brook auto insurance. 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 Corner Brook’s best auto protection and benefits. That's a promise.
Save on auto insurance in Corner Brook.
We're one of Corner Brook'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 Corner Brook’s best auto protection and benefits. That's a promise.
Corner Brook, a big little city.
Driving in Corner Brook – Tips to keep you on the road.
Keep a keen eye for moose.
Even though Corner Brook is third largest city in Newfoundland, moose populate every corner of the province. 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.
Strong wind means special consideration.
Though wind may not seem like a significant risk, Newfoundland is known for its high gusts of winds through all seasons. Drivers need to take care when driving through areas prone to strong winds or when weather reports predict severe weather. Also, motorists should notice larger vehicles such as tractor-trailers as they are much more susceptible to high winds. And drivers should always keep a firm grip on the wheel as strong winds have the ability to push moving vehicles.
Keep them buckled up.
Car crashes are the leading cause of death and injury to children in Canada. When children are using an appropriate car seat, they are well protected with a minimized chance of injury due to an accident. Knowing a child’s height and weight before purchasing a new car seat is important, and there are multiple laws regarding which seats are appropriate for children of different heights, weight and ages. Be sure to know if your child is protected before hitting the road.
Time for new tires.
Tire problems are a factor in many car accidents. Blowouts, tread separation, under inflation and worn treads are some of the tire problems associated with accidents. While many people think just worn tires need to be replaced, old tires are of concern as well. As tires age, they become more prone to failure. The minimum safe tire tread depth is 2/32”, vehicle owners should consider replacing tires at the 4/32” mark, especially in Newfoundland with the rainy and snowy conditions.
A few facts about auto insurance in Corner Brook.
- The average age of auto insurance policyholder in Corner Brook is 36
- The average age of drivers in Corner Brook is 51
- The number of accident claims in Corner Brook in 2018 was 1300
- The top automotive brands we insure in Corner Brook are Chevrolet, Chrysler, Honda, Toyota, Mazda, Ford, Hyundai
- 63% of people in Corner Brook drive Cars
- 37% of people in Corner Brook drive Trucks
Facts and myths about Corner Brook.
Facts
The City hosted the ‘Raid the North Extreme’ twice; a televised six-day multi-sport expedition race held in wilderness locations across Canada and was a leg of the ITU World Cup Triathlon.
Corner Brook hosted the 2016 Special Olympic Winter Games.
The area was first surveyed by renowned explorer Captain James Cook in 1767.
The area was originally four distinct communities, each with a unique commercial activity. Curling with its fishery; Corner Brook West with its retail businesses; Corner Brook East with its railway and industrial operations; and Townsite which was home to the employees of the pulp and paper mill. These four communities were amalgamated in 1956 to form the City of Corner Brook.
Myths
Corner Brook is difficult to get to.
While on the opposite side of the island from St. John’s, Corner Brook is situated near both Stephenville International Airport and Deer Lake Airport. It is along the Trans-Canada Highway and is a stop for province wide bussing. As well, it’s a few hours’ drive from Port aux Basques ferry terminal.
There is only kindergarten to high school educational facilities.
In fact, Corner Brook is home to Memorial University’s Grenfell Campus, that offers degrees in Arts, Business, Science, Nursing, Fine Arts and more. The College of the North Atlantic also has a campus situation in the city, with certificates and diplomas in a variety of programs from Agriculture, and Early Childhood Education to Power Engineering and Software Development.
There isn’t very much in the way of arts and culture.
Corner Brook is very rich in arts and culture. With Grenfell Campus, there are students completing and graduating from the Visual Arts and Theatre Arts programs. There are multiple art galleries and centres that cater to various cultural events and artists within the city.
There is no access to nature.
A part of Corner Brook’s charm is its closeness to nature within and surrounding the city. There are four parks within the city and eight playgrounds. The Corner Brook Stream Trail winds through the City, following the Corner Brook Stream. Three Bear Mountain offers walkers a panoramic view of the City of Corner Brook.
We do the shopping. You get the savings.
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 Corner Brook.
Corner Brook 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 Corner Brook are:
- $200,000 in liability coverage per accident
- Uninsured and unidentified motorist coverage
Corner Brook 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.
Corner Brook car insurance – your questions answered.
In Newfoundland and Labrador, who determines auto insurance rates?
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.
What are the factors used to determine auto insurance rates in Newfoundland and Labrador?
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
How do auto insurance rates in Newfoundland and Labrador compare to other provinces?
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
Newfoundland and Labrador’s auto insurance rates are low. Why?
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.
What can I do to find cheap auto insurance in Corner Brook?
There are many ways to get cheap auto insurance in Corner Brook:
- 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
Is auto insurance mandatory in Newfoundland and Labrador?
Yes. The law requires motorists to carry insurance on their vehicle.
In Newfoundland and Labrador, what are the penalties for driving without auto insurance in Corner Brook?
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.
What insurance system does Newfoundland and Labrador adhere to?
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.
How is fault determined by insurance companies in Newfoundland and Labrador?
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.
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
10 Things to Know About NL Auto Insurance Tax Elimination.
The Provincial Government recently eliminated the remaining 13 per cent Retail Sales Tax (RST) on automobile insurance. Here are 10 things you need to know about the recent decision by the Government of NL to eliminate RST on automobile insurance in this province:
- The elimination of the tax pertains to auto insurance including personal vehicles such as cars, motorcycles, ATVs and other recreation vehicles
- The elimination of the tax also applies to commercial vehicles, such as taxis, school buses, trucks (fire, police) and tractor trailers
- The Government of NL have determined that the taxes charged on personal property and other commercial policies (excluding commercial auto) will continue
- Any customer that renewed their auto policy on or after April 15, 2019 up to the date that the change became law will receive a rebate for the taxes paid
- The RST refund may be processed as a direct payment to the client, a reduction in monthly installments, or a credit against an accounts receivable
- The insurance company (Aviva, Intact, Travelers, etc.) that collected the tax is responsible to ensure customers receive the appropriate RST refund
- The insurance companies are in the process of calculating the amount of rebates for each customer and have until the end of September 2019 to process those rebates
- For policies in force before April 15, 2019, the NL Government have determined that there will be no refund of the tax
- The Government of NL have determined that refunds of tax will NOT be provided to taxpayers who cancel insurance policies that were acquired before April 15, 2019
- Munn insurance is now providing personal auto and commercial auto policies with no taxes calculated on the premiums – effective immediately all our new auto policies are tax free
If you would like more information on the elimination of tax on auto insurance, or if you have any questions on your home or auto insurance, please contact Munn Insurance at 855-726-8627.
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