Great additional features that come standard with your automobile insurance policy from Munn Insurance:
“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.”
“All I can say is THANKS! I switched after 10 years and saved a lot of money.”
“Great service and saved me $600 a year. I highly recommend!”
“Great place to deal with. Very happy with the service!”
“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.”
“I am very pleased with the customer service I received from Munn – they really do care.”
“Very impressed with Munn Insurance. The people who work there are amazing!”
“Great customer experience with Munn Insurance!”
“Excellent claims service!”
“It was great to deal with Munn after my accident. They made sure I was looked after.”
“I bought a group policy from Munn and saved over $350 a year!”
“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.”
“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.”
“I switched my insurance last year and I am extremely happy with the service provided by Munn Insurance.”
Great additional features that come standard with your automobile insurance policy from Munn Insurance:
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.
|Price range of $299|
|Price range of $875|
|Price range of $666|
|Price range of $628|
|Price range of $560|
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.
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:
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.
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:
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.
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.
A variety of factors are used by Nova Scotia insurers to set auto insurance rates:
Nova Scotia auto insurance premiums fall in the lower half of the national rate spectrum.
Source: Insurance Bureau of Canada, 2017 and 2016 for Quebec
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.
There are many ways to get cheap auto insurance in Nova Scotia:
Yes, Nova Scotia motorists are required by law to carry insurance on their vehicle.
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.
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.
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.”
Quiet night at home when suddenly there is a loud, and I mean loud, crashing sound and the entire house starts to shake. Scary. That’s what happens when a car comes crashing into your garage at the front of your home. It happens. More often than you think. Just Google “car crashes into garage.” Hundreds of pictures.
It happened on a quiet neighborhood in St. John’s just a couple of days ago. Several people have asked us, so how does this all work from an insurance perspective? Does the driver’s insurance company pay? Does the homeowner’s policy apply? Who pays for what? Shouldn’t the driver be responsible? All good questions, and helping you understand all this is where your insurance broker can really help.
If we received a panicked call from a homeowner who had an extra car in their garage, the first thing we would ask is, “Is everyone ok?” Hopefully nobody is hurt. So, when the shock of what has happened begins to fade, the big question becomes, “so what do I do now?”
From a strictly insurance perspective, there are a few things that you need to know. When a vehicle (driverless or otherwise) strikes a home and causes damage, the homeowner has some options in terms of managing the claim. For starters, they can access their own home policy for the repairs, or they can go through the driver’s auto policy.
If the homeowner goes through their own home policy they would likely have the benefit of a guaranteed replacement clause. If so, the repairs are managed by the homeowner’s insurance and completely covered; all the costs of putting everything back to the way it was before the accident would be covered. All associated costs for the repair are guaranteed. This would include fixing or replacing the damaged structure, siding, windows, doors, furniture, drapes, carpet, floors, damaged contents. Everything.
In all likelihood, estimates would be required and the homeowner and the insurance company would agree on the amount for the repairs and replacement based on the estimates provided. A preferred restoration contractor would be selected to do the work or the homeowner might agree to take a cash settlement and coordinate/complete the repairs on their own. The home is then returned to its original condition. As noted, in this scenario all costs would be covered.
If this were a Munn customer, we would engage in this process and help the policyholder manage the claim, holding their hand so to speak throughout the entire process with the insurance company (i.e. Aviva, Intact, RSA or Travelers). Munn would provide advice and make sure that our customer was taken care of at every stage; ensuring the repairs were being completed to the highest standard. There would be regular dialogue and support throughout provided by Munn.
It is important to note, if this was the route taken, there would now be a claim on this home policy. Because a claim could impact the policy in the future, it is important to discuss this with your broker who can advise you of the potential impacts and options available. In this scenario, the homeowner could be responsible for paying the deductible on the policy which would typically be $500 or $1000; but in all likelihood, this would be reimbursed by the auto policy of the car that crashed into the house. But the key here is that the full cost of all the repairs would be completely covered.
The homeowner does have an option to put through a claim directly with the auto insurance company of the driver of the vehicle that caused the damage. However, it is important to note that the coverage available to repair the home in an auto policy may not be the same as the coverage purchased on a homeowner’s policy. If the homeowner elected to go through the drivers auto policy to cover the repairs to the home, the claim settlement would be reviewed under the third party liability coverage of the auto policy. As such, the claim settlement would be the cost of the repairs less the depreciation on things such as windows, doors, siding, etc. For example, if siding has a life expectancy of 20 years and the house is 10 years old, the settlement for the siding would cover just 50% of the cost for the siding. Same applies to windows and doors. In most cases, the impact of the depreciation would be such that going through the driver’s auto policy would not make financial sense. But best to get advice from your broker.
Munn is an insurance broker, and we are your advocate. A broker will provide advice and a choice of policies from several insurance companies; working with you to find the one that is best for you. The insurance company (i.e. Aviva, Intact, RSA, or Travelers) manufactures the policy, defines the coverage and sets the price. It is also the insurance company that oversees the claims process, setting terms, defining the process and making the decisions on the settlement. If you are not working with a broker, you should.
A good broker will help you understand these terms and policies and provide advice on how best to proceed; even help you throughout a claim. So make sure you call your broker and get the advice and support you need to make the best decisions; before a car flies through your garage!
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