Save on car insurance in Nova Scotia.
Save on car insurance in Nova Scotia.
We’re one of Nova Scotia’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 Nova Scotia’s best auto protection and benefits. That’s a promise.
Switch to Munn
It’s Simple 😉
Real people.
Our customers love to save.
I am incredibly impressed with Munn. The person I spoke with really cared about my needs and didn’t brush me off as some competitors try to do.
Lisa is the bomb. We are in Ontario and she made it so easy for us. Thanks Lisa at Munn Insurance.
I thought it would be difficult to switch from my current insurer – but my new policy was easy to set up! Plus I saved on my car and home insurance.
Real people.
Our customers love to save.
I am incredibly impressed with Munn. The person I spoke with really cared about my needs and didn’t brush me off as some competitors try to do.
Unique benefits of a Munn Insurance auto policy.
Great additional features that come standard with your car insurance policy from Munn Insurance:
- Unbeatable customer care – we will show you the love
- Easy monthly payments – unparalleled convenience
- Discounts, discounts and more discounts – too many to list them all
- Accident forgiveness – the best available
- Local, fast and efficient 24-7 claims service
- Combine your home and auto policy and save on both – most companies only give the home discount
- Industry leading new vehicle 30-month depreciation waiver – which is insurance speak for “more money in your pocket!”
Compare auto insurance quotes in Nova Scotia — and just see what you can do with the savings!
Compare auto insurance quotes in Nova Scotia — and just see what you can do with the savings!
In Nova Scotia, auto insurance is available from a wide array of private companies who compete with one another to allow consumers to shop around for a better rate. As an independent broker, Munn Insurance can provide you with quotes from up to eight insurance companies. By calling Munn, or going online for a quote, customers in Nova Scotia can easily compare car insurance rates and find the best car insurance and save on their auto insurance premiums.
We do the shopping. You get the savings.
Customers 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 customers with choices to provide the best coverage at the best rate. Some of the insurance companies we search for our customers include:
Recent Auto Insurance Quotes in Nova Scotia
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
Get Nova Scotia’s best leisure vehicle protection.
Nova Scotians love their leisure time and their leisure vehicles. MyRide Leisure Insurance from Munn Insurance is the most competitive, comprehensive leisure vehicle insurance available in Nova Scotia. 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 Nova Scotia.
It is mandatory to have auto insurance for all vehicles in Nova Scotia. The province has enacted “financial responsibility laws” to ensure drivers are accountable for the financial consequences of their actions while on our roads.
Current limits for auto insurance in Nova Scotia are:
- $500,000 liability coverage
- $50,000 medical payments coverage
- $2,500 funeral benefits
- Disability income/death benefits for persons injured or killed in an auto accident
- Uninsured and unidentified driver insurance
Nova Scotia has a no-fault based insurance system. This means drivers can file claims with their own insurance company, regardless of who is at fault for the accident. In addition, the province does not take age or marital status into account when determining risk.
Nova Scotia car insurance – your questions answered.
Our Latest Advice
Why Your Home Replacement Value Should Matter as Much as Your Premium
Sometimes, a low insurance premium feels great—until there’s a claim.
We saw this clearly during the recent wildfires, when homeowners discovered that their houses were insured well below what it would actually cost to rebuild them. This happens more often than people realize.
How Homes End Up Undervalued
With many direct insurance companies, replacement costs are pushed lower to keep premiums attractive. Homes get labeled as “average” for finishings, even when they’re not. Or they just put the value in their system at thousands of dollars less than the actual replacement cost. We see it all the time. On paper, everything looks fine. Until something goes wrong.
When a home is insured at a low replacement value, the rebuild tends to follow that same logic. You may be offered contractors at the low end of the spectrum. Finishings get downgraded. Shortcuts start to appear. The focus becomes rebuilding cheap, not rebuilding right.
“But I Have Guaranteed Replacement Cost…”
Even with CRC (Guaranteed Replacement Cost), you may still be in for a fight. Why?
Because the insurer still has a role to play in deciding how they are managing your claim and what it is exactly that they’re replacing.
If your home was classified as having average finishes, average materials, and average features, that’s what the rebuild will be based on. CRC doesn’t automatically mean you’ll get back the same level of quality you had before—it means they’ll replace the home as they defined it.
That’s a big difference.
And it’s often discovered only after the claim has started.
Don’t Cut Corners Before the Loss
Insurance is meant to put you back where you were before the loss—not force you into compromises afterward.
At Munn Insurance, we take the time to make sure your home’s replacement value reflects reality:
- The true cost to rebuild
- The quality of finishes
- The way your home is actually constructed
That way, if the worst happens, the conversation is about rebuilding—not negotiating.
Make Sure Your Home Is Valued Properly
If you’re not sure:
- What it would really cost to rebuild your home
- How your finishes are classified
- Or whether your coverage would hold up in a major loss
Let’s talk.
A cheaper premium isn’t worth it if it leads to a fight when you need help the most.
Munn Insurance – helping you rebuild what you had—not settle for less.
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