With sandy beaches and beautiful gardens around one corner, you can turn and find yourself in front of the symphony, art galleries and museums. Being the largest urban area in Atlantic Canada, it sits in the center of Nova Scotia’s east coast, with a seaport that looks out over one of the world’s largest natural harbours. Halifax is comprised of nine distinct regions that span from picturesque Peggy’s Cove Coastal Region to bustling Downtown Halifax. Driving through Halifax changes from district to district, and you need insurance that can match all the regions you’re going to visit. At Munn Insurance you can find the most competitive auto insurance in Halifax and save while you’re doing it.
Save on auto insurance in Halifax.
We're one of Halifax'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 Halifax’s best auto protection and benefits. That's a promise.
Save on auto insurance in Halifax.
We're one of Halifax'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 Halifax’s best auto protection and benefits. That's a promise.
Halifax is an urban coastal city where people want to be.
Driving in Halifax – Tips to keep you on the road.
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.
Slow down in school areas.
The speed limit is 30 km/h in areas where the approaching limit is 50 km/h, when children are present. Where the speed limit is higher than 50 km/h, drivers continue to be required to reduce speed to a maximum of 50 km/h when children are present. Fines range from $340 to $685 with penalty points ranging from 2 to 4.
Don’t drink and drive.
Nova Scotia has strict driving under the influence laws. Convicted impaired drivers with a blood-alcohol level of more than .08 receive a criminal record, lose their licence for one year and will face a minimum fine of $1000. They also have to complete an addictions program and may also have to participate in Alcohol Ignition Interlock Program. If a convicted impaired driver had a child in the car at the time, they face increased penalties, including losing their licence for at least two years and must participate in the Alcohol Ignition Interlock Program, for at least one year, at their expense.
Put the phone away.
Nova Scotia has some of the strongest fines for handheld phone use and texting. Currently, fines range from $233.95 for a first offence to $578.95 for a third offence with the addition of four demerit points on conviction. Handheld phones are only allowed in emergency situations.
A few facts about auto insurance in Halifax.
- The average age of auto insurance policyholder in Halifax is 32
- The average age of drivers in Halifax is 46
- The number of accident claims in Halifax in 2018 was 7100
- The top automotive brands we insure in Halifax are Honda, Dodge, Mazda, Volkswagen, Ford, Toyota, Chevrolet
- 82% of people in Halifax drive Cars
- 18% of people in Halifax drive Trucks
Facts and myths about Halifax.
Facts
Halifax experienced the greatest man-made explosion prior to the atomic bomb – the Halifax Explosion on December 6, 1917.
The Halifax Harbour is one of the deepest and largest natural, ice-free harbours in the world.
Canada’s first covered skating rink was opened in the Halifax Public Gardens in 1883.
Downtown Halifax’s waterfront boardwalk hugs the harbour for 10 city blocks from Pier 21 at the Halifax Seaport to Casino Nova Scotia.
Myths
Halifax has very mild winters.
While being a coastal city that is associated with mild weather, it can be counted on that Halifax will receive its fair share of large snowstorms every year.
There is a tunnel that runs beneath Halifax Harbour from Citadel Hill to Georges Island.
During a geological study of the harbour, seismic reflection systems surveyed the area and showed no evidence of any tunnel existing.
The Halifax Explosion of 1917 developed a large crater in the bottom of the Harbour.
An interpretation of all the survey information indicates that there is no crater formed by the explosion.
You can only get to Halifax by car, plane or boat.
Actually, Halifax is also connected to VIA Rail that runs to Western Canada and parts of the U.S. A trip from Halifax to Montreal happens in less than a day.
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:
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 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
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
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.
New Glasgow car insurance – your questions answered.
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.”
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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