Great additional features that come standard with your automobile insurance policy from Munn Insurance:
SERVICE AND SAVINGS IN NOVA SCOTIA
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1-855-726-8627Save on auto 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.
Save on auto 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 😉
1.
Get a quote.
CLICK OR CALL.
Using our simple online
quoting system, or call
us toll-free!
quoting system, or call
us toll-free!
Using our simple online quoting
system, or call us toll-free!
system, or call us toll-free!
2.
We shop.
WE’RE FAST!
In minutes we'll shop
around to get the
best deal for you.
around to get the
best deal for you.
In minutes we'll shop around
to get the best deal for you.
to get the best deal for you.
3.
You save big.
REALLY BIG!
We can save you up to
30% without breaking
a sweat.
30% without breaking
a sweat.
We can save you up to 30%
without breaking a sweat.
without breaking a sweat.
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.”
KAY ST. JOHN'S
“Lisa is the bomb. We are in Ontario and she made it so easy for us. Thanks Lisa at Munn Insurance.”
DIANE ST. JOHN'S
“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.”
PETER HALIFAX
“All I can say is THANKS! I switched after 10 years and saved a lot of money.”
MARY CORNER BROOK
“Great service and saved me $600 a year. I highly recommend!”
JENNY ST. JOHN'S
“Great place to deal with. Very happy with the service!”
MICHAEL ST. JOHN'S
“The best insurance company. Lower rates than other insurance companies. Always someone available to discuss your concerns. I always and most definitely recommend to others. Sincere thanks.”
DIANNE ST. JOHN'S
“I am very pleased with the customer service I received from Munn – they really do care.”
RICHARD BEDFORD
“Very impressed with Munn Insurance. The people who work there are amazing!”
EMILY ST. JOHN'S
“Great customer experience with Munn Insurance!”
PADDY ST. JOHN'S
“Excellent claims service!”
TREVOR ST. JOHN'S
“It was great to deal with Munn after my accident. They made sure I was looked after.”
DAVID BAY ROBERTS
“I bought a group policy from Munn and saved over $350 a year!”
DAVE ST. JOHN'S
“Great service!”
ROBERT ST. JOHN'S
“Prior to switching, I heard great things. Now knowing more about the company and its customer service obsession. I Understand why it’s so great.”
JILLIAN ST. JOHN'S
“I’m very happy with my policy and the service. Munn gave me the best coverage for the best price. Switching from my old company was easy and simple.”
JEANETTE ST. JOHN'S
“I switched my insurance last year and I am extremely happy with the service provided by Munn Insurance.”
DARLENE ST. JOHN'S
Unique benefits of a Munn Insurance auto policy.
- 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!
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.
We do the shopping. You get the savings.
Nova Scotians 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 Nova Scotia customers with 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
55 year old driver from New Glasgow
2014 Dodge Ram 1500 Crew Cab
| Pembridge | $84 |
| Aviva | $89 |
| Intact | $101 |
| RSA | $109 |
| Price range of $299 | |
|---|---|
Updated September 3, 2019
45 year old driver from Dartmouth
2017 Honda Accord EX
| Travelers | $89 |
| Prembridge | $96 |
| Aviva | $113 |
| Intact | $118 |
| Pafco | $162 |
| Price range of $875 | |
|---|---|
Updated September 3, 2019
39 Year old Driver from Yarmouth
2018 Toyota Corolla CE
| Pembridge | $81 |
| Travelers | $82 |
| Aviva | $100 |
| Intact | $109 |
| Pafco | $136 |
| Price range of $666 | |
|---|---|
Updated September 3, 2019
50 year old driver from Halifax
2017 Ford Escape SE
| Travelers | $65 |
| Pembridge | $78 |
| Intact | $92 |
| Aviva | $108 |
| Pafco | $118 |
| Price range of $628 | |
|---|---|
Updated September 3, 2019
58 year old driver from Truro
2017 Dodge Grand Caravan SE
| Travelers | $75 |
| Pembridge | $81 |
| Intact | $88 |
| Aviva | $119 |
| Pafco | $122 |
| Price range of $560 | |
|---|---|
Updated September 3, 2019
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 Nova Scotia communities. First Responders, Health Care Professionals, Alumni Associations, Educators and Instructors all play a vital role in helping others across the Province. They give so much, and we’re happy to give back. Munn Insurance Preferred Groups in Nova Scotia 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.
In Nova Scotia, who determines auto insurance rates?
Auto insurance rates in Nova Scotia are determined by individual insurers. The Office of the Superintendent of Insurance then reviews and approves the rates. Nova Scotia auto insurance is also regulated by The Nova Scotia Insurance Review Board, in addition to monitoring rates across the province.
What are the factors used to determine auto insurance rates in Nova Scotia?
A variety of factors are used by Nova Scotia insurers to set auto insurance rates:
- Your gender
- Deductible amount
- Your vehicle’s value
- How you use your vehicle
- Distance you drive each day
- Who else is driving the vehicle
- Type of coverage chosen
- Driving record/claim history of all drivers
- Vehicle type and theft rating
How do auto insurance rates in Nova Scotia compare to other provinces?
Nova Scotia 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
Nova Scotia’s auto insurance rates are low. Why?
Insurance reforms implemented by the Nova Scotia Government in 2003 helped reduce rates by 27%. The reforms also resulted in a wider range of insurance options for consumers.
What can I do to find cheap auto insurance in Nova Scotia?
There are many ways to get cheap auto insurance in Nova Scotia:
- 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
Is auto insurance mandatory in Nova Scotia?
Yes, Nova Scotia motorists are required by law to carry insurance on their vehicle.
In Nova Scotia, what are the penalties for driving without auto insurance?
A first offence conviction for driving without auto insurance in Nova Scotia requires payment of a $1000 fine or 45 days in jail. For a second offence the fine is $2000 or 90 days in jail. The third offence results in a $5000 fine or 120 days in jail. Convictions for driving without auto insurance mean you will be identified as a high risk and will be required to pay higher auto insurance rates.
What insurance system does Nova Scotia adhere to?
Nova Scotia’s auto insurance system is a no-fault system, meaning regardless of who’s at fault, drivers deal with their own insurance company.
How is fault determined by insurance companies in Nova Scotia?
The Automobile Insurance Fault Determination Regulations determine who is at fault in an auto accident in Nova Scotia. Insurers must comply with Section 4 of the regulations. Section 4 states: “An insurer must determine the degree of fault of an insured for loss or damage arising directly or indirectly from the use or operation of an automobile in accordance with these regulations.”
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
Financial Relief Measures. What insurance companies are doing to support customers.
Are you looking for financial relief and help understanding what insurance companies are doing to support customers during COVID-19 crisis? We have the answers.
As a result of the COVID-19 crisis, many insurance companies such as Aviva, Intact¸ Travelers, Economical, Pembridge, Pafco, Wawanesa, RSA, and CAA (members of the Insurance Bureau of Canada) have stated their willingness to help consumers at this difficult time. These are the companies that set the rates and define the insurance products that brokers like Munn can provide to customers.
On April 8th, the Insurance Bureau of Canada (IBC) announced that the industry was making changes to help Canadians cope with the financial impact of COVID-19 including substantial financial relief measures. There are many different solutions being discussed and some differ from one insurance provider to another. That can be confusing. But we can help.
We have reviewed the programs and promises from each insurance company and have had discussions with our many insurance markets to understand how they are stepping up to help consumers at this time.
Here is a summary of the programs that are in place to help you currently:
- Lower premium if you are driving less: For some consumers whose driving habits have changed significantly, certain insurance companies are offering reductions in auto insurance premiums to reflect this reduced risk. If you had indicated having a low annual driving usage and had to drive short distances to work when you originally purchased your policy, you may not benefit from this change.
- Lower premium if you have stopped driving: Customers who have stopped driving entirely can reduce their auto insurance premiums with some insurance companies. This is an example of reducing coverage on your policy and this could help you reduce your premium.
- Deferred premiums: Customers who are experiencing financial stress due to COVID-19 can call their broker to defer their insurance premium for up to 90 days without additional fee or penalty with certain insurance markets. Payment of the deferred premiums will be required following the deferral period.
- Freezing premium increases at renewal: While several insurance markets have filed for and have been permitted rate increases in 2020, some insurance markets are freezing any additional and future premium increases after a certain date. If applicable, this would apply to renewals processed after a certain date upon approval from the regulator in each province. Customers who have had significant claims losses or traffic violations may not be eligible for this benefit.
- Flexible payment options: Certain insurance companies have committed to explore flexible payment options on renewals for consumers who are in a vulnerable position or facing financial hardship because of COVID-19. Insurance companies may not apply these payment options on new business sales.
- Waiving fees: Several insurance companies have agreed to waive certain fees and charges (i.e. non-sufficient funds also known as an NSF fee). Customers would however remain responsible for any NSF fees your bank may charge you.
- Flexible coverage: If you are temporarily using your car or home differently (for example, you may be using your car to commute to work instead of taking public transit, or you may be working from home) it will not affect your premium or your ability to make a claim.
We understand this is a difficult time for individuals, families and businesses. Our priority is to be here to help you in this time of uncertainty. The options provided by each insurance company are slightly different. If you need help understanding how to take advantage of the programs being offered or would like a quote to compare with your current policy, please contact Munn Insurance at 855-726-8627 We’re here to help!
https://www.aviva.ca/en/press-releases/2020/covid-19-helping-drivers/
https://www.intact.ca/on/en/covid19.html
https://www.travelers.com/about-travelers/covid-19-coronavirus-update
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