Save on car insurance in Gander
We’re one of Gander’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 Gander’s best auto protection and benefits. That’s a promise.
Gander, an international home.
Gander is a town of modern living steeped in a rich history. You will find everything you need in a minute’s reach, including a plane to a favourite destination. A unique town all its own, Gander is a strategic location for families and businesses alike. Your insurance can be as unique as your route. At Munn Insurance you can find the most competitive auto insurance in Gander and save while you’re doing it.
Driving in Gander – Tips to keep you on the road.
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.
FOG MEANS FOCUSED.
Newfoundland means fog, and Gander is no exception to the towns that can be hit by this extremely dangerous weather condition that is often underplayed. Drivers should slow down as driving at normal speeds in fog can be very dangerous. Slowing down means more time to react to traffic stops and potential hazards. Also, motorists should avoid using high-beam headlights in fog as fog consists of tiny water droplets that spread and reflect light. Low-beams should be used to help vehicles to be visible to one another. And last, always remain focused. Turn down the radio, stop conversations and keep attention on the road.
AVOID THOSE DISTRACTIONS.
Newfoundland implements multiple laws regarding distracted driving. Follow the law and set yourself some guidelines to follow as well. Vow to not multi-task, keep kids and pets buckled in and secured in their areas, plan your route before you go and even try to avoid reaching for something that has been dropped in the car. All these guidelines can keep you and your passengers safe as you navigate the streets.
STRONG WIND MEANS SPECIAL CONSIDERATION.
Though wind may not seem like a significant risk but 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.
A few facts about car insurance in Gander.
- The average age of auto insurance policyholder in Gander is 36
- The average age of drivers in Gander is 50
- The number of accident claims in Gander in 2018 was 1100
- The top automotive brands we insure in Gander are Ford, Chevrolet, Honda, Toyota, Mazda, Chrysler, Hyundai
- 59% of people in Gander drive Cars
- 41% of people in Gander drive Trucks
Facts and myths about Gander.
FACTS
Gander hosted early experiments in aerial refuelling in the late 1930s.
The runways at Gander International Airport routinely handle the world’s largest, fastest and heaviest aircraft, up to and including the Antonov An-225.
Due to its strategic location and runway capacity, Gander was a designated alternate landing site for NASA’s Space Shuttle program.
Nearly all of Gander’s streets are named for famous aviators, from the Wright brothers, Alcock and Brown, Lindbergh and Earhart to more modern pioneers like Canadian astronauts Marc Garneau, Roberta Bondar and Chris Hadfield.
MYTHS
Gander actually services the communities of Appleton, Benton and Glenwood. The health care in Gander includes Bell Place Community Health Centre, James Paton Memorial Regional Health Centre, and Lakeside Homes
The main economic industries include transportation, communications, public administration and defense. In addition, a large portion of the economy in Gander is driven by the service industry as it is central to a service area consisting of more than 80,000 people in some 130 communities within a 100km radius.
The Town supports and operates many parks, hiking trails, playgrounds and recreational programs year-round. Major facilities include a multi-purpose hockey arena, a curling club and an 18-hole golf course.
Town of Gander has over 420 businesses that include more than 200 dining and retail establishments.
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 Gander.
Gander 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 Gander are:
- $200,000 in liability coverage per accident
- Uninsured and unidentified motorist coverage
Gander 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.
Gander car insurance – your questions answered.
Our Latest Advice
Protecting Your Tools: What Contractors in Atlantic Canada Need to Know About Tool Floater Coverage
For contractors across Atlantic Canada, tools aren’t just equipment — they’re your livelihood.
From residential renovations to light commercial builds, your projects depend on having the right tools on site, on time, and in working order. But in our region, those tools are regularly exposed to theft, harsh weather, and remote job site conditions.
Many builds take place in rural or coastal areas where replacing stolen or damaged tools isn’t always quick or simple. Add seasonal construction schedules into the mix, and even a short delay can disrupt cash flow and client timelines.
That’s why having the right tool floater limit matters.
When the Limit Is Too Low
We’ve seen situations where a construction company had tools stolen from a job site, only to discover their tool floater limit didn’t reflect the true replacement value of what they owned.
Insurance responded — but only up to the policy limit.
The remaining cost had to be paid out of pocket.
For a small or mid-sized contractor, that can mean:
- Financial strain
- Delayed projects
- Difficulty meeting deadlines
- Pressure on operating cash
It’s not just about replacing tools. It’s about protecting business continuity.
Why Tool Floater Limits Matter in Atlantic Canada
Contractors in Atlantic Canada face unique exposures:
- Rural job sites with limited security
- Overnight storage in trucks
- Coastal weather conditions
- Seasonal construction windows
If tools are stolen or damaged, replacement isn’t just an expense — it can shut down work entirely.
Adequate tool floater coverage ensures you can replace equipment quickly, meet contract requirements, and maintain your reputation in a close-knit regional market.
How to Make Sure Your Coverage Is Enough
Many contractors underestimate the total value of their tools. Coverage should reflect current replacement cost — not what you paid years ago.
Here are practical steps to protect your business:
- Take a complete inventory of all tools and equipment. This should include hand tools, power tools, and small machinery. Document their current replacement cost.
- Set your coverage limit based on the maximum value of tools that could be in one location or vehicle at any given time.
- Update your coverage regularly. As new tools are purchased or costs increase, your policy should reflect those changes.
- Consider whether your operations involve higher-risk situations, such as remote sites or overnight storage in vehicles.
- Review your coverage with your insurance broker to ensure limits meet contract requirements and avoid co-insurance penalties.
A properly structured tool floater policy can prevent partial claim payments and unexpected out-of-pocket expenses.
Protecting Your Business, Not Just Your Tools
For small and mid-sized contractors, one uninsured loss can create ripple effects across multiple projects.
At Munn Insurance, we work with contractors across Atlantic Canada and understand the realities of local construction — rural job sites, seasonal schedules, and tight margins. Our team provides practical advice and responsive service to help ensure your tool coverage reflects the true value of your equipment.
If you’re unsure whether your tool floater limit is adequate, it may be time for a review.
A short conversation now can help prevent costly delays later.
Your Biggest Risk Might Not Be on the Job Site – Cyber Insurance for Contractors in Atlantic Canada
When most contractors think about risk, they think about job [...]
Snow Load & Deck Collapse: What’s Covered And How It Impacts Your Insurance
This winter has been relentless. Across Newfoundland & Labrador and [...]
A Slippery Situation: Why Clearing Your Walkway Matters More Than You Think
If you live in Atlantic Canada, you know this winter [...]
