Save on auto insurance in Mount Pearl.
We’re one of Mount Pearl’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 Mount Pearl’s best auto protection and benefits. That’s a promise.
Mount Pearl is the city of urban living in nature.
As one of the largest cities in Newfoundland and Labrador, you will find the comforts of a large city here. These comforts are nestled in nature, giving residents and visitors the best of both worlds. Mount Pearl is a carefully planned, modern city that continues to grow to meet future needs. The city is family-oriented and business-friendly, with extensive municipal services and community programs. Driving in Mount Pearl is like driving in any modern city, with responsive road maintenance and safety measures. Your insurance can be as unique as your route. At Munn Insurance you can find the most competitive auto insurance in Mount Pearl and save while you’re doing it.
Driving in Mount Pearl – Tips to keep you on the road.
SLOW DOWN FOR EVERYONE’S SAFETY.
Mount Pearl consists of many residential neighbourhoods, over 50km of walking trails, over 50 playgrounds and play courts and eight schools. The city implements school safety patrols in the mornings and in the evenings on weekdays, regular radar patrol in areas known for higher driving speeds, mobile digital traffic signs displayed throughout the community to bring awareness to drivers’ speeds and targets traffic operations in partnership with the Royal Newfoundland Constabulary.
BE AWARE OF WINTER PARKING RESTRICTIONS.
Mount Pearl implements a parking ban every winter in aid of snow clearing operations. All street parking is banned from December 1-March 31 between the hours of 1 a.m. and 8 a.m. Any vehicle unattended parked on any street against the regulations may be removed and impounded at the owner’s expense, and a fine will be given for non-compliance.
PRACTICE THE MOVE OVER LAW.
As in all of Newfoundland, Mount Pearl is very strict with the Move Over Law. This law applies when a designated vehicle is stopped and operating its red, blue or amber lights or has other traffic warning signals displayed. The general rule is to create a buffer lane by slowing down and putting as much distance between the driver and the stopped vehicle. If there is another lane going in the same direction and it is safe to do so, the driver must slow down and change lanes so there is a full lane between the driver and the stopped vehicle. If a second lane isn’t available, the driver must put as much distance between the vehicle and the designated vehicle that is safely possible.
FIND YOUR SPEED.
With the city continuing to grow, it has prioritized safety initiatives and traffic calming measures throughout. They continuously update a map embedded on the Mount Pearl website that collects speed data for various streets so residents can see what the average driving speed is in their neighbourhood.
A few facts about auto insurance in Mount Pearl.
- The average age of auto insurance policyholder in Mount Pearl is 34
- The average age of drivers in Mount Pearl is 47
- The number of accident claims in Mount Pearl in 2018 was 2100
- The top automotive brands we insure in Mount Pearl are Honda, Toyota, Volkswagen, Mazda, Dodge, Ford, Ram
- 70% of people in Mount Pearl drive Cars
- 30% of people in Mount Pearl drive Trucks
Facts and myths about Mount Pearl.
FACTS
On July 21, 1988, the Town of Mount Pearl became the third community in Newfoundland and Labrador to be granted city status.
Mount Pearl is the second-largest city in Newfoundland and Labrador.
Mount Pearl is the 20th largest metropolitan area in Canada.
The city dates back to 1829, when Commander James Pearl and his wife, Lady Anne Pearl, arrived in Newfoundland with a Crown grant of one thousand acres of land, a reward for Commander Pearl’s 27 years of distinguished service in the Royal Navy.
MYTHS
It was actually granted city status in 1988 and has grown to be one of the largest cities in the province with a population of 23,000 in 2016.
Mount Pearl is its own municipality, with its own self-contained city municipal services such as snow clearing and garbage pickup. It has a mayor, deputy mayor and five councillors.
Mount Pearl has a full calendar of recreation events, parks and trails, multiple community centres, sport facilities, and is home to the Glacier Arena that hosts a large Christmas craft fair every year. The Annual Frosty Festival is a full week of a variety of activities for every age. All parks and facilities, as well as the Admiralty House Communications Museum, are linked through 60km of beautiful forested walkways.
A significant portion of the City is situated on land granted to Sir James Pearl in 1829 by the Colonial Secretary in recognition of many years of faithful service to the Crown. In 1830, Commander Pearl built a house upon the most elevated section of his estate and named it Mount Cochrane in honour of then-governor Sir Thomas Cochrane. After the governor left Newfoundland, Pearl renamed the site Mount Pearl.
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 Mount Pearl
Mount Pearl 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 Mount Pearl are:
- $200,000 in liability coverage per accident
- Uninsured and unidentified motorist coverage
Mount Pearl 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.
Mount Pearl 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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