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Save on auto insurance in Dartmouth.

We're one of Dartmouth'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 Dartmouth’s best auto protection and benefits. That's a promise.
Save on auto insurance in Dartmouth.
We're one of Dartmouth'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 Dartmouth’s best auto protection and benefits. That's a promise.
Dartmouth, just a skip away.
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Park Dartmouth Auto Insurance

Dartmouth amalgamated with Halifax in 1996, making it a part of the greater Halifax area. But it still has a vibe all its own. With its own identity, you cross the bridge into a community where you can walk along the waterfront and take in the amazing view of Halifax from across the water. It’s an adventure to experience. Your insurance can be as unique as your route and your world. At Munn Insurance you can find the most competitive auto insurance in Dartmouth and save while you’re doing it.

Driving in Dartmouth – Tips to keep you on the road.

Keep your hands on the wheel.

New regulations in Nova Scotia have changed from it just being illegal to text or use your phone while driving to cover all hand-held communication/entertainment devices, or any other prescribed electronic device. This also includes using the GPS. Plan everything before you put the car in drive. It will take about two years from passage before all new regulations and the new law are in place, but practice makes perfect. Start your good driving habits now.

Help keep workers safe.

When an emergency vehicle pulled over with its lights flashing, the law is motorists must slow down to 60 km/h or obey the speed limit if it’s lower than 60 km/h. If the road has two or more lanes in one direction, motorists must also move into another lane farther away from the stopped vehicle if it can be done safely. A motorist must obey these laws for ambulances, police vehicles, fire department vehicles, Department of Lands and Forestry fire vehicles, fire chiefs’ or deputy fire chiefs’ vehicles, conservation officers’ vehicles, motor vehicle and carrier inspectors’ vehicles, public safety vehicles such as sheriffs and bridge patrol officers, and tow trucks that are stopped at the scene of a fire or collision or assisting a vehicle. A fine can be as high as $350 for a first offence, with the potential to go higher.

Check your vehicle.

Always keep your car well maintained. Make sure your tires are properly inflated, and your fluids are all at proper levels. Maintain a consistent check that your vehicle’s equipment is functioning properly. Also, seasons change abruptly in the Maritimes. Always be ready for autumn to suddenly become winter.

Give pedestrians a head start.

In developments from Fall 2019, the Halifax Regional Municipality and the Provincial Government made strides in protecting pedestrians and motorists. Statistics revealed in the first eight months of 2018 there were 120 vehicle-pedestrian collisions in the municipality with 61% of them happening in a crosswalk. To improve safety, Halifax has installed what is referred to as “advanced pedestrian lights” at six high-pedestrian traffic intersections in the City, five in Halifax and one in Dartmouth. A green pedestrian “walking man” signal comes on for several seconds before the traffic light turns green. In this way, pedestrians are given a head start to proceed forward into the crosswalk and be seen.

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A few facts about auto insurance in Dartmouth.
  • The average age of auto insurance policyholder in Dartmouth is 36
  • The average age of drivers in Dartmouth is 49
  • The number of accident claims in Dartmouth in 2018 was 5100
  • The top automotive brands we insure in Dartmouth are
  • 81% of people in Dartmouth drive Cars
  • 19% of people in Dartmouth drive Trucks
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Facts and myths about Dartmouth.

Facts

Dartmouth amalgamated with Halifax on April 1, 1996.

Dartmouth has been nicknamed the City of Lakes, after the large number of lakes located within its boundaries.

The community is linked to Halifax by the oldest continuously operating salt water ferry service in North America with the first crossing having taken place in 1752.

Dartmouth was initially a sawmill and agricultural outpost of Halifax. In the mid 19th century, it grew with the construction of the Shubenacadie Canal and more importantly, with the rise of successful industrial firms such as the Dartmouth Marine Slips, the Starr Manufacturing Company, and the Stairs Ropeworks.

Myths

Dartmouth has always been a part of Halifax.

Amalgamation didn’t happen until 1996. Before that it wasn’t officially a region of the City of Halifax.

It’s difficult to get from Halifax City into Dartmouth.

There is a ferry service that connects Halifax to Dartmouth. The MacKay Bridge was built in 1970 and connects both areas as well as the McDonald bridge. Thousands commute back and forth each day, as well as use the metro service.

There is no public transportation.

There is a bus service with a fleet on 322 conventional buses, all of which are low floor and wheelchair accessible.

There are limited educational facilities within Dartmouth.

Dartmouth is home to a long list of K-12 schools, with both English and French programs. It is also home to post-secondary campuses, such as the Nova Scotia Community College Dartmouth campus.

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:
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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
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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
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Special discounts and savings with a Munn Insurance group policy.

We recognize the value groups provide to New Glasgow. First Responders, Health Care Professionals, Alumni Associations, Educators and Instructors all play a vital role in helping others across Nova Scotia. 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
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Get New Glasgow’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
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Car insurance laws in New Glasgow.

It is mandatory to have auto insurance for all vehicles in New Glasgow. 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 New Glasgow 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. Drivers can file claims with their own insurance company, regardless of who is at fault for the accident. Also, the province does not take age or marital status into account when determining risk.

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Halifax clocktower nova scotia
New Glasgow car insurance – your questions answered.
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  • In Nova Scotia, who determines auto insurance rates?

    New Glasgow auto insurance rates 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 New Glasgow?

    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. 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.”

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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

How to Prepare for a Wildfire

Munn Insurance How to Prepare for a Wildfire

Many homeowners face the risk of wildfires, which are usually triggered by lightning or accidents. They spread quickly, igniting brush, trees and homes. Reduce your risk of damage by preparing now to protect your family, home and property.

Preparing Your Home for a Wildfire

The following are things you can do to protect yourself, your family and your property in the event of a fire.

  • Design and landscape your home with wildfire safety in mind. Select materials and plants that can help contain fire rather than fuel it.
    • Use fire-resistant or non-combustible materials on the roof and exterior structure of your house, or treat wood or combustible material used in roofs, siding, decking or trim with fire-retardant chemicals.
    • Plant fire-resistant shrubs and trees. For example, hardwood trees are less flammable than pine, evergreen, eucalyptus or fir trees.
  • Regularly clean your roof and gutters; remove any debris that could catch fire.
  • Inspect your chimneys at least twice a year, and clean them at least once a year. Keep the dampers in good working order. Equip chimneys and stovepipes with a spark arrester.
  • Install mesh screen beneath porches, decks, floor areas and the home itself to prevent debris and combustible materials from accumulating. You should also cover openings to floors, roofs and attics with mesh screens to prevent sparks and embers from entering your home.
  • Install a dual-sensor smoke alarm on each level of your home, especially near bedrooms; test it every month and change the batteries at least once each year.
  • Teach your family members how to use a fire extinguisher (ABC type), and show them where it’s kept.
  • Keep household items available that can be used as fire tools, such as a rake, axe, handsaw or chain saw, bucket and shovel.
  • Keep a ladder that will reach the roof in case a family member ends up on the roof of a burning house.
  • Move flammable items away from the house and outside of your defensible space, including woodpiles, lawn furniture, barbecue grills, tarp coverings, etc.

Plan Your Water Needs

  • Have a garden hose that is long enough to reach any area of the home and other structures on the property.
  • Install freeze-proof exterior water outlets on at least two sides of the home and near other structures on the property.
  • Identify and maintain an adequate outside water source, such as a small pond, cistern, well, swimming pool or hydrant.
  • Consider obtaining a portable gasoline-powered pump in case electrical power is cut off.

It is recommended that you create a 10- to 30-metre safety zone around your home. Within this area, you can take steps to reduce potential exposure to flames and radiant heat. Homes built near wooded areas should have a minimum safety zone of 30 metres. If your home sits on a steep slope, standard protective measures may not be enough. Contact your local fire department or forestry office for additional information.

  • Rake leaves, dead limbs and twigs. Clear all flammable vegetation. Remove leaves and rubbish from under structures.
  • Thin a 5-metre space between tree crowns, and remove limbs within 5 metres of the ground.
  • Remove dead branches that extend over the roof.
  • Prune tree branches and shrubs within 5 metres of a stovepipe or chimney outlet.
  • Ask the power company to clear branches from power lines.
  • Mow grass regularly.
  • Clear a 3-metre area around propane tanks and the barbecue. Place a screen over the grill, made of a non-flammable material with mesh.
  • Regularly dispose of newspapers and rubbish at an approved site. Follow local burning regulations.
  • Place stove, fireplace and grill ashes in a metal bucket and soak them in water for two days, then bury the cold ashes in mineral soil.
  • Store gasoline, oily rags and other flammable materials in approved safety cans. Place the cans in a safe location away from the base of buildings.
  • Stack firewood at least 30 metres away and uphill from your home. Clear combustible material within 6 metres of a woodpile.
  • Review your homeowner’s insurance policy and prepare or update a list of your home’s contents.

Follow Local Burning Laws

  • Before burning debris in a wooded area, make sure you notify local authorities and obtain a burning permit.
  • Use an approved incinerator with a safety lid.
  • Create at least a 3-metre clearing around the incinerator before burning debris.
  • Have a fire extinguisher or garden hose on hand when burning debris.

During a Wildfire

If you are advised to evacuate, do so immediately. Take your disaster supply kit, lock your home and choose a route away from the wildfire. Watch for changes in the speed and direction of the fire and smoke. Tell someone when you left and where you are going.

If you see a wildfire and haven’t received evacuation orders yet, call 911. Don’t assume that someone else has already called. Describe the location of the fire, speak slowly and clearly and answer any questions the dispatcher asks.

If you are not ordered to evacuate, and have time to prepare your home, take the following actions:

  • Arrange temporary housing at a friend or relative’s home outside the threatened area in case you need to evacuate.
  • Wear protective clothing when outside, such as sturdy shoes, cotton or wool clothes, long pants, a long-sleeved shirt, gloves and a handkerchief to protect your face.
  • Gather fire tools such as a rake, axe, handsaw or chainsaw, bucket and shovel.
  • Close outside attic, eaves and basement vents, windows, doors and other openings. Remove flammable drapes and curtains. Close all shutters, blinds or heavy non-combustible window coverings to reduce radiant heat.
  • Close all doors inside the house to prevent drafts. Open the damper on your fireplace, but close the fireplace screen.
  • Shut off any natural gas, propane or fuel oil supplies at the source.
  • Connect garden hoses to outdoor water taps and fill any pools, hot tubs, garbage cans, tubs or other large containers with water.
  • Place lawn sprinklers on the roof and near aboveground fuel tanks. Leave sprinklers on and dowse these structures as long as possible.
  • If you have gas-powered pumps for water, make sure they are fuelled and ready.
  • Place a ladder in clear view against the house.
  • Disconnect any automatic garage door openers so that doors can still be opened by hand if the power goes out. Close all garage doors.
  • Place valuable papers, mementos and anything “you can’t live without” inside the car in the garage, ready for quick departure. Any pets still with you should also be put in the car.
  • Place valuables that will not be damaged by water in a pool or pond.
  • Move flammable furniture into the centre of the home away from the windows and sliding glass doors.
  • Turn on outside lights and leave a light on in every room to make the house more visible in heavy smoke.

After a Wildfire

The following are guidelines for what to do in the period following a wildfire.

  • If you are with burn victims, or are a burn victim yourself, call 911 or seek help immediately. Cool and cover burns to reduce the chance of further injury or infection.
  • If you remained at home, check the roof immediately after the fire danger has passed. Put out any roof fires, sparks or embers. Check the attic for hidden burning sparks.
  • For several hours after the wildfire, maintain a “fire watch.” Re-check for smoke and sparks throughout the house.
  • If you have evacuated, do not enter your home until fire officials say it is safe.
  • If you must leave your home because a building inspector says the building is unsafe, ask someone you trust to watch the property during your absence.
  • Use caution when entering burned areas as hazards may still exist, including hot spots, which can flare up without warning.
  • If you detect heat or smoke when entering a damaged building, evacuate immediately.
  • If you have a safe or strongbox, do not try to open it. It can hold intense heat for several hours. If the door is opened before the box has cooled, the contents could burst into flames.
  • Avoid damaged or fallen power lines, poles and downed wires.
  • Watch for ash pits and mark them for safety. Warn family and neighbours to keep clear of the pits.
  • Watch your pets closely and keep them under your direct control. Hidden embers and hot spots could burn them.
  • Follow public health guidance on safe cleanup of fire ash and safe use of masks.
  • Dampen debris to minimize inhaling dust particles.
  • Wear leather gloves and heavy-soled shoes to protect your hands and feet.
  • Properly dispose of cleaning products, paint, batteries and damaged fuel containers to avoid risk.
  • Discard any food that has been exposed to heat, smoke or soot.
  • Do NOT use water that you think may be contaminated to wash dishes, brush your teeth, prepare food, wash your hands, make ice or make baby formula.
  • You may find yourself in the position of taking charge of other people. Listen carefully to what people are telling you, and deal patiently with urgent situations first.

In addition to insuring your home, we are committed to helping you and your loved ones stay safe when disaster strikes. If you would like more information on developing a family emergency plan or building a disaster supply kit, please contact Munn Insurance today.