Service and Savings in Newfoundland

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Auto Paradise Newfoundland Insurance Quotes2023-10-17T10:49:12-02:30

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
A father and son holding hands, smiling at one another.

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 a small community with a shortage of facilities.

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.

There are no outdoor recreational amenities.

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.

Paradise is an inconvenient town for new business.

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
A woman looking through a window.

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
Energy NL
Allied Health Professionals
Tech NL
A. Harvey
  • 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
A day and his son cleaning a Mustang car.
Someone driving an ATV
Two girls hanging out the door of an RV
A girl on a boat wearing a life jacket and holding a fishing rod.
Two people riding a snowmobile.
Someone driving a 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.

A young girl sitting in a car seat in a pink jacket.
How is fault determined by insurance companies in Newfoundland and Labrador?2022-09-23T14:09:35-02:30

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.

What insurance system does Newfoundland and Labrador adhere to?2022-09-23T14:09:35-02:30

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.

In Newfoundland and Labrador, what are the penalties for driving without auto insurance?2022-09-23T14:09:35-02:30

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.

Is auto insurance mandatory in Newfoundland and Labrador?2022-09-23T14:09:35-02:30

Yes. The law requires motorists to carry insurance on their vehicle.

What can I do to find cheap auto insurance in Newfoundland and Labrador?2022-09-23T14:09:35-02:30

There are many ways to get cheap auto insurance in Newfoundland and Labrador:

  • 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
Newfoundland and Labrador’s auto insurance rates are low. Why?2022-09-23T14:09:35-02:30

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.

How do auto insurance rates in Newfoundland and Labrador compare to other provinces?2022-09-23T14:09:35-02:30

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

What are the factors used to determine auto insurance rates in Newfoundland and Labrador?2022-09-23T14:09:35-02:30

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
In Newfoundland and Labrador, who determines auto insurance rates?2022-09-23T14:09:35-02:30

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.

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

Understanding CGL Coverage and What Injuries Are Covered

Commercial General Liability (CGL) insurance is designed to help protect you and your business if you’re found legally liable for bodily injuries to a third party. Put simply, if someone gets injured on your business’ property and decides to sue you, your CGL insurance policy can help with legal costs and damages associated with the lawsuit.

CGL insurance provides essential coverage for bodily injury and property damage claims arising from your business operations. In Atlantic Canada, slip-and-fall injuries are among the most common claims under CGL insurance. These claims typically arise when a third party, such as a customer or visitor, sustains injuries due to a slippery or hazardous surface on the insured premises. CGL coverage helps protect businesses from the financial implications of such bodily injury claims, including medical expenses, legal fees, and potential settlements. It underscores the importance for businesses to prioritize premises safety measures to prevent accidents and reduce the risk of liability claims under their CGL policies.

Here are a few tips to help you minimize slip-and-fall injuries at your small business:

  1. Regular Maintenance: Conduct frequent inspections to identify and promptly address any hazards. Clean spills, and repair damaged or uneven surfaces and pathways. Remove your clutter as well.
  2. Weather Preparedness: Keep walkways clear of ice and snow, especially during winter.
  3. Slip-Resistant Flooring: Install slip-resistant surfaces, particularly in high-traffic areas. Also address uneven, unsecured mats.
  4. Warning Signs: Use visible warning signs in wet or freshly cleaned areas.
  5. Effective Lighting: Ensure proper lighting to enhance visibility for customers and employees.
  6. Staff Training: Train staff to quickly respond to spills and report potential hazards.
  7. Maintain a log of items that were inspected and fixed if necessary.

Let’s delve into what types of injuries are covered under a CGL policy.

  • Bodily Injuries on Premises: CGL policies typically cover bodily injuries sustained by third parties on your business premises. This includes customers, clients, or visitors who may slip, trip, or fall on your property.
  • Products Liability: If your business manufactures, sells, or distributes products, CGL insurance covers bodily injuries caused by defects or hazards associated with your products.
  • Completed Operations: CGL coverage extends to bodily injuries resulting from completed operations or services. If a client is injured due to a service you provided, the policy can provide protection.
  • Advertising and Personal Injury: CGL policies often cover non-physical injuries, such as libel, slander, or false advertising claims. This ensures your business is protected against certain reputational and personal injury risks.
  • Medical Payments: CGL policies may include coverage for medical expenses incurred by individuals who sustain injuries on your premises, regardless of fault. This can help expedite compensation and prevent legal action.
  • Employee Injuries: While workers’ compensation generally covers employee injuries, CGL insurance may offer some protection in certain cases, especially if a third party is involved.

It’s important to note that the specific coverage details can vary based on policy terms and endorsements. Munn Insurance emphasizes the importance of customizing your CGL policy to suit your business needs. Working with experienced insurance professionals ensures that your coverage aligns with the unique risks of your business in Atlantic Canada.

Being prepared and proactive should be part of your plan, but sometimes accidents happen. If you do have a third-party bodily injury at your business, it’s important to have best practices in place on what to do. A good starting place is an incident report. Have a form at the ready for all those involved to fill out. This will help you record key details that you can reference when you report the incident back to your insurance provider. It’s very important to contact your insurance provider as soon as possible following an accident. They can walk you through the claims process and provide insight on important details, such as reducing your exposure to liability.

In conclusion, a well-tailored CGL policy available through Munn Insurance provides vital protection against a range of bodily injury claims. Whether on your premises, through completed operations, or related to your products and advertising, having comprehensive CGL coverage is essential for the overall risk management strategy of your business.

We have extensive experiencing insuring all types of businesses, from small one person operations to much more complex enterprises. We can help make sure you get the right coverage at the best price. If you have any questions, call the insurance experts at Munn Insurance at 1-855-726-8627. We’d be happy to help.

February 22, 2024|Categories: Commercial Insurance|
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