Save on car 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 car 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 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 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
A New Insurance Benefit for Chiropractors Nova Scotia Members: Better Coverage, Service, and Savings
Learn how your Chiropractors Nova Scotia membership can help you access a dedicated group home and auto insurance program through Munn Insurance.
As part of our ongoing commitment to providing value to members, Chiropractors Nova Scotia is pleased to introduce a new group insurance benefit.
Chiropractors Nova Scotia members now have access to a dedicated Group Home and Auto Insurance Program through Munn Insurance. This program has been designed to give members the opportunity to explore coverage options, personalized service, and potential savings available through their CNS membership.
What is the Chiropractors Nova Scotia Group Home and Auto Insurance Program?
The Chiropractors Nova Scotia Group Home and Auto Insurance Program is a member benefit available through Munn Insurance. It gives CNS members the opportunity to review their current home and auto insurance and see whether a group program can provide improved value.
This program is designed to help members access competitive insurance options, personalized advice, and potential group savings through an experienced insurance broker that understands the importance of service, protection, and making informed decisions.
Why choose a group insurance program through a broker?
Home and auto insurance can vary significantly from one insurance provider to another. The company that offered you the best rate last year may not be the best fit today, and many people renew their policies without knowing whether better options are available.
That is where a broker can make a real difference.
Munn Insurance works with multiple insurance markets, giving Chiropractors Nova Scotia members access to a wider range of options than they would get from a single insurance company. This means members have the opportunity to compare coverage, service, and pricing to find a policy that fits their needs.
Direct writers are very limited in that they only have one market to offer and often have restrictive coverages and limited options.
Through the Chiropractors Nova Scotia Group Home and Auto Insurance Program, members may be able to access competitive rates, group savings, and coverage options designed to provide strong value. In many cases, working with a broker can help identify savings opportunities while also making sure important coverage is not overlooked.
A broker can also help explain policy options, answer questions, and make the insurance process easier from quote to renewal.
Better coverage for real life
Every household is different. Your insurance should reflect that.
A chiropractor living in Halifax may have different insurance needs than someone commuting between communities, operating a clinic, living in a rural area, owning a seasonal property, or insuring multiple vehicles. Factors like home type, driving habits, family needs, claims history, deductibles, liability limits, and bundled coverage can all make a difference.
Through the Chiropractors Nova Scotia Group Home and Auto Insurance Program, members can receive guidance on coverage options for home and auto insurance, including opportunities to bundle policies, review limits, explore available discounts, and make sure their protection still fits their current situation.
The goal is not simply to sell a policy. The goal is to help members make informed insurance decisions.
Coverage for your clinic or practice
For members who own or operate a chiropractic clinic, Munn Insurance can also help review your commercial insurance needs. Whether your practice operates from a dedicated clinic space, a shared office, or a home-based setting, it is important to make sure your business, equipment, liability, and day-to-day operations are properly protected.
Commercial insurance needs can vary depending on how and where you operate, and the coverage that works for one clinic may not be the right fit for another. Munn Insurance can help CNS members review their current coverage, identify possible gaps, and explore options designed to help protect both their personal and professional interests.
If you own or operate a clinic, this program can be an opportunity to look beyond home and auto insurance and make sure the coverage supporting your practice is aligned with your needs.
Better service from a team that is ready to help
Insurance should not feel complicated or impersonal.
With Munn Insurance, Chiropractors Nova Scotia members can work with a team that takes the time to understand their needs. Members can ask questions, review existing coverage, compare options, and receive advice from licensed insurance professionals.
That personal service can be valuable when buying a policy, but it can be even more important at renewal, after a major life change, or if a claim happens.
Having a broker means having someone who can help guide you through the process, explain your options, and advocate for your needs.
Better savings through group buying power
One of the key advantages of a group insurance program is the potential for savings.
Because the program is available to members of Chiropractors Nova Scotia, eligible members may be able to access preferred rates, discounts, or additional benefits that may not be available through a standard individual policy.
Savings can also come from reviewing your current coverage, bundling home and auto insurance, adjusting deductibles, applying eligible discounts, or moving to an insurance market that is a better fit for your needs.
Even if you are happy with your current insurance, it may still be worth getting a second look. You may discover that your CNS membership gives you access to options you did not know were available.
Why it is worth learning more
Home and auto insurance are important parts of financial protection. But many people renew their policies year after year without reviewing whether they still have the right coverage, the right service, or the best available value.
The Chiropractors Nova Scotia Group Home and Auto Insurance Program gives members a reason to take a closer look.
By connecting with Munn Insurance, CNS members can find out whether the program may offer:
- More suitable coverage for their needs
- Competitive home and auto insurance rates
- Potential group savings
- Advice from a licensed insurance broker
- Service and support from a team that is ready to help
- Access to multiple insurance markets
- Help understanding coverage options before making a decision
A practical benefit for Chiropractors Nova Scotia members
Your CNS membership connects you with your professional community. Now, it can also help connect you with a dedicated insurance program designed to provide value beyond your day-to-day work.
Whether you are buying a home, renewing your auto insurance, reviewing your family’s coverage, or simply wondering whether you could be getting better value, this new program is worth exploring.
Get started
Chiropractors Nova Scotia members are encouraged to contact Munn Insurance to learn more about the Group Home and Auto Insurance Program and request a quote.
You may find better coverage, better service, and better savings are available through your CNS membership.
Contact Munn Insurance today at 1-855-726-8627 to learn more about your Chiropractors Nova Scotia Group Home and Auto Insurance Program or visit them online at www.munninsurance.com.
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