Save on car insurance in Paradise.
We’re one of Paradise’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 Paradise’s best auto protection and benefits. That’s a promise.
Paradise, the place to work and play.
Located just minutes from the Capital City, Paradise is a beautiful mix of both urban and community living. Being one of Atlantic Canada’s fastest-growing municipalities, residents settle here for the easy access to work, shopping, recreational and cultural attractions as well as hospitals and educational institutions. Perfectly centred, you’ll find your drive to surrounding areas easy, if not quick. Your insurance can be as unique as your route. At Munn Insurance you can find the most competitive auto insurance in Paradise and save while you’re doing it.
Driving in Paradise – Tips to keep you on the road.
PRACTICE THE MOVE OVER LAW.
As in all of Newfoundland, Paradise 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.
HAND FREE AT ALL TIMES.
Fines for using a cell phone while driving are high in the province of Newfoundland, and the RNC are extremely vigilant in the Town of Paradise. The current penalty is 4 demerit points with fines ranging from $350 to $1000.
JUST ONE DRINK.
Newfoundland has severe impaired driving regulations to help keep all residents safe. As of 2017, any driver whose licence was suspended after an impaired driving conviction will be required to enter a mandatory ignition interlock program as a condition of reinstatement. As well, anyone 22 years and younger are required to maintain a zero-blood alcohol content while driving. Not a risk you want to take.
KEEP A KEEN EYE FOR MOOSE.
Even though Paradise is considered an urban centre, 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.
A few facts about car insurance in Paradise.
- The average age of auto insurance policyholder in Paradise is 35
- The average age of drivers in Paradise is 46
- The number of accident claims in Paradise in 2018 was 1800
- The top automotive brands we insure in Paradise are Honda, Ford, Toyota, Chevrolet, Dodge, Volkswagen, Hyundai
- 64% of people in Paradise drive Cars
- 36% of people in Paradise drive Trucks
Facts and myths about Paradise.
FACTS
Precambrian bedrock underlies the Town, with a belt of volcanic rock along the coast and clastic sedimentary rock inland.
The Town crest was created by a former town council member and one-time mayor, “Black” Arch Janes in 1986.
The war memorial located at the town hall was also designed by Arch Janes before his death in 1987.
In the 2009 municipal election, 19-year-old Kurtis Coombs was declared as mayor, making him the youngest mayor in Canada. However, a recount was called, and Coombs and incumbent Ralph Wiseman tied in votes. A draw was used to determine the winner with Wiseman being picked as mayor. Another recount was called that resulted in another tie and Wiseman was stated to stand as mayor.
MYTHS
Paradise is the fastest growing town in Atlantic Canada. For residents and visitors, Paradise also has a variety of recreation facilities and services, including community programs, groups and classes.
The Town has a very modern and developed park that includes an accessible playground, splash pad, beach volleyball courts, community stage and there are also two fenced dog parks, one for small dogs and one for larger dogs. Each dog park includes water fountains to service both dogs and their humans.
As the fastest growing town in Atlantic Canada, Paradise is home to a booming population that is also growing in business needs. Paradise is serviced by Metrobus, and with rapid land development there are abundant opportunities for businesses of all types to set up shop.
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 Paradise.
Paradise 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 Paradise are:
- $200,000 in liability coverage per accident
- Uninsured and unidentified motorist coverage
Paradise 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.
Paradise 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.
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