Save on auto insurance in St. John’s.
We’re one of St. John’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 St. John’s best auto protection and benefits. That’s a promise.
St. John’s is a unique city with its own ebb and flow.

St. John’s is a unique city with its own ebb and flow. People and houses around every corner will catch your eye and ear. St. John’s individuality doesn’t stop there. With no grid plan, and with a rumour that its roads are horse paths that were originally paved over, St. John’s offers an exciting adventure to even the most experienced driver. With one-way streets that suddenly appear, intersections with sharp angles and low signage, you might need a little help from a GPS. Your insurance can be as unique as your route. At Munn Insurance you can find the most competitive auto insurance in St. John’s and save while you’re doing it.
Driving in St. John’s – Tips to keep you on the road.
WATCH OUT FOR MOOSE.
Although St. John’s is considered an urban area, the Outer Ring Road sees its share of moose during any time of the year. It should also be noted that moose don’t always stick to the outliers but have been known to wander into the city itself. Keep on the lookout, especially at night.
PUT THAT CELL PHONE DOWN.
Fines for using a cell phone when driving are high in the province of Newfoundland, and the Royal Newfoundland Constabulary are extremely vigilant in the City of St. John’s. The current penalty is 4 demerit points with fines ranging from $350 to $1000.
BE WEATHER PREPARED.
Not just St. John’s, but Newfoundland as a whole is subjected to fast changing weather. Sunny in the morning, blizzard by lunch. With St. John’s twisty roads and steep hills, caution is always advised. It’s not unheard of to go sliding back down that hill.
DON’T DRINK AND DRIVE.
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 or younger is required to maintain a zero-blood alcohol content while driving. Not a risk you want to take.

A few facts about auto insurance in St. John’s.
- The average age of auto insurance policyholder in St. John’s is 32
- The average age of drivers in St. John’s is 45
- The number of accident claims in St. John’s in 2018 was 5000
- The top automotive brands we insure in St. John’s are Honda, Toyota, Hyundai, Chevrolet, Ford, Jeep, Chrysler, Mazda
- 67% of people in St. John’s drive Cars
- 33% of people in St. John’s drive Trucks

Facts and myths about St. John’s.
FACTS
Cabot Tower on Signal Hill was built to commemorate Queen Victoria’s Diamond Jubilee and the 400th anniversary of John Cabot’s Voyage of Discovery.
St. John’s is the oldest city in North America, with Water Street being the oldest street in North America.
The oldest sporting event in North America is the St. John’s Regatta held on the first Wednesday every August.
The first transatlantic wireless message was received on December 12, 1901 by Guglielmo Marconi from Poldhu, Cornwall which is 3200 kilometres away.
MYTHS
Actually, St. John’s adopted a new cycling plan in 2009 and has been building a safe and convenient cycling network.
This is very untrue. St. John’s and surrounding towns all have dedicated snow clearing services to keep all roads safe for all drivers in all conditions.
St. John’s has a very extensive recycling program with curbside recycling, metal and electronic recycling, backyard composting, household hazardous waste drop off, yard waste collection and Christmas tree recycling.
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 St. John’s.
St. John’s 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 St. John’s are:
- $200,000 in liability coverage per accident
- Uninsured and unidentified motorist coverage
St. John’s 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.

St. John’s car insurance – your questions answered.

Our Latest Advice
What You Need to Know to Keep Your Data Safe
Data Privacy Day is a good time to remember why and how you should protect your personal, financial, business, and other information from falling into the wrong hands. Since there can be so much data to keep track of, it is easy to feel confused or overwhelmed about where to start. We compiled the following list of our favourite tips to help you better safeguard your files from potential cyber risks.
1. Create strong passphrases
This extends beyond email or banking passwords, since household appliances and systems from security cameras to baby monitors are also interconnected over the internet, and can be hacked.
Therefore, try changing the default passwords for any devices to a complex passphrase consisting of a mix of numbers, symbols, as well as both upper- and lower-case letters. You can couple this with updating your passwords regularly, or using a password manager that will allow you to organize your passwords, for an added layer of protection.
2. Secure your accounts
Using Multi-Factor Authentication (MFA) would require verifying your identity. This usually involves a fingerprint/facial/retinal scan. Alternatively, you can use your email address or phone number to receive a specific code that you can then use to login to your account. This means that in order for someone to gain access to your account(s), they would also need access to your phone or computer.
3. Do not trust suspicious links and use an antivirus
Seeing as there is an increase of malware programs in the form of annoying pop-ups to background data-mining that scan for personal data, it is important to be wary and think before clicking sketchy links.
An effective antivirus should offer protection from trojan horse programs or ransomware that seem legitimate but steal information behind the scenes, as well as bots that spam you with unsafe links and attachments. Make sure you check your antivirus software periodically and ensure that it remains updated.
4. Be mindful of public or free Wi-Fi
Relying on public Wi-Fi networks comes with its own risks, especially since most offer insufficient security. Someone else on the same network as you can easily access your data.
Try avoiding making financial transactions and sending sensitive information when using free Wi-Fi. Additionally, you can take a look at the search bar at the top of your browser and if your URL begins with “https” and there is a lock symbol, it means that the site can be trusted.
5. Regularly backup your data
The most tried-and-true method of data protection involves creating a copy – sometimes more than one – of your information and storing it on a cloud storage system such as Google Drive, Dropbox or OneDrive. This way, if your files are ever stolen, lost, or generally compromised you do not end up losing important data.
You could also go the extra mile by disposing of old data from previous devices AFTER backing it up and storing it elsewhere. This can be done by wiping the old disk with software or just plain shredding it.
The best way to protect your data privacy is to be proactive in your own internet security. Keeping these tips in mind will help you navigate the digital world knowing your data is safer.
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