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.
Save on auto 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.
Save on auto 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.
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 auto 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 has minimal health services.
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
There are limited economic opportunities.
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.
Gander doesn’t have many recreational attractions.
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.
You need to leave to access retail and other services.
Town of Gander has over 420 businesses that include more than 200 dining and retail establishments.
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 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.
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 Gander?
There are many ways to get cheap auto insurance in Gander:
- 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 Gander?
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
NL Auto Insurance Tax Rebate Update.
Back in April, the Government of Newfoundland and Labrador decided to eliminate the remaining tax on auto insurance. They gave the insurance companies (Aviva, Travelers, Intact, etc.) until the end of September to get it all sorted. So now people are wondering when they can expect their tax rebate.
Here are 9 things you need to know about the tax rebate on automobile insurance; including when you can expect to receive your rebate and how this is being done:
- 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 to be subject to a tax
- Any customer that renewed their auto policy on or after April 15, 2019 will receive a rebate for any taxes that were paid
- For policies in force before April 15, 2019, the NL Government have determined that there will be no refund of the tax
- The insurance company (Aviva, Intact, Travelers, etc.) that collected the tax is responsible to ensure customers receive the appropriate RST refund
- Customers on payment plans will have the RST removed and their remaining payments recalculated and reduced based on the amount of their tax rebate
- Customers who paid in full will receive a refund cheque in the mail; if there are any outstanding balances the refund will be adjusted accordingly
- Rebates and changes will be made by the insurance companies prior to the end of September
If you would like more information on the elimination of the tax on auto insurance, or if you have any questions on your home or auto insurance, please contact Munn Insurance today toll-free at 1-855-726-8627.
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