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Save on auto insurance in New Glasgow.

We're one of New Glasgow'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 New Glasgow’s best auto protection and benefits. That's a promise.
Save on auto insurance in New Glasgow.
We're one of New Glasgow'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 New Glasgow’s best auto protection and benefits. That's a promise.
New Glasgow, a modern town based in heritage.
Ship New Glasgow Auto Insurance
Ship New Glasgow Car Insurance

New Glasgow’s charm and nature wrap around you here. History and culture meet modern conveniences. There is no wonder anyone calls New Glasgow home. Just a two-hour drive from Halifax and a 90-minute drive from Stanfield International Airport, it’s just close enough to be perfectly far away. Your insurance can be as unique as your route and your world. At Munn Insurance you can find the most competitive auto insurance in New Glasgow and save while you’re doing it.

Driving in New Glasgow – Tips to keep you on the road.

Did you know…

The “blind spot” is the name for the area on either side of a car that is invisible to wing mirrors. However, that isn’t completely true. Maybe your car’s wing mirrors are just adjusted incorrectly. Blind spots can be put into full view of your side mirrors, provided that these mirrors are adjusted to contain no part of your own car. Angle them away from you to the point where your car is no longer visible in either one. With doing this there’s no overlap between them and the rear-view mirror. Any car that’s passing you on either side will remain in at least one of your mirrors until it enters your field of vision. This doesn’t eliminate your need to manually check your blind spots, but it is just another form of protection to keep you safe on the roads.

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.

Lights on.

You can reduce your risk of being involved in an accident just by keeping your lights on at all times, including during the day. Drivers are less likely to pull out in front of you if they can instantly see the glare of your headlights in a quick glance. This also counts for pedestrians and cyclists. In countries like Canada, Sweden and Finland, all new cars are required to have automatic running lights that stay on at all times. However, if your vehicle is an older model, just take a moment and flick on your lights.

Fog means focused.

Nova Scotia has its fair share of fog, and New Glasgow is no exception to the towns that can be hit by this extremely dangerous weather condition that is often underplayed. Drivers should slow down as driving at normal speeds in fog can be very dangerous. Slowing down means more time to react to traffic stops and potential hazards. Also, motorists should avoid using high-beam headlights in fog as fog consists of tiny water droplets that spread and reflect light. Low-beams should be used to help vehicles to be visible to one another. And last, always remain focused. Turn down the radio, stop conversations and keep attention on the road.

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A few facts about auto insurance in New Glasgow.
  • The average age of auto insurance policyholder in New Glasgow is 32
  • The average age of drivers in New Glasgow is 46
  • The number of accident claims in New Glasgow in 2018 was 1400
  • The top automotive brands we insure in New Glasgow are Chevrolet, Ford, Toyota, Honda, Dodge, Mazda, Jeep, Chrysler
  • 69% of people in New Glasgow drive Cars
  • 31% of people in New Glasgow drive Trucks
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Facts and myths about New Glasgow.

Facts

It’s the former home of J.D. Fortune, former lead singer of Australian rock band INXS. He was chosen as their new singer after winning CBS's Rock Star: INXS in 2005.

Glasgow Square Theatre, located on the downtown riverfront, is a 285-seat auditorium that hosts year-round concerts, plays, and other community functions. The theatre can be transformed into an outdoor amphitheatre, one of the few theatres in Canada (if not the only) that can do that.

Every year since 1995, the New Glasgow Riverfront Jubilee has welcomed local and international musicians to its stage for three days of family entertainment. Held over the first of August long weekend, the Jubilee features rock, blues, folk, country and the best East Coast music from new and established artists.

The Town of New Glasgow was born with the arrival of Scottish immigrants in the late 18th century. In 1784, Deacon Thomas Fraser moved his family from the Scottish settlement at Pictou and settled them along the western side of the East River. Over the following years, others would join them, and it became a distinct village that the inhabitants would name New Glasgow, in honour of Glasgow, Scotland.

Myths

It’s not economically viable.

The range and quality of services of a modern, self-sufficient community are all readily available. Today retail, manufacturing, forestry, pulp and paper, food retail/distribution, technology and tourism are among the economic engines of the entire Pictou County region.

There is limited healthcare.

The Pictou County Health Authority is responsible for delivering health care services to the 46,000 residents of Pictou County. The care is delivered through the Aberdeen Hospital in New Glasgow.

Home ownership is difficult.

The Province of Nova Scotia provides assistance to low-income homeowners who cannot afford to carry out emergency repairs to their homes.

There are limited educational facilities within New Glasgow.

New Glasgow has three elementary schools and a new state-of-the-art high school.

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.
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Water Damage Insurance – Get the Facts.

Water Damage Insurance - Get the Facts

It’s water damage season in Canada. With springtime, comes storms, water and sewer backups, snow melt, seepage and leakage. And yes, the the ever-present worry that the wet days of spring may lead to water damage. And flooding is on the rise!

It’s only early May and already there’s flood damage all across Canada. Ontario, Quebec and New Brunswick are in the news and the images of the damage and destruction are shocking. Other communities are on watch. Our hearts go out to the residents of all these cities and towns.

Once the water recedes, efforts will turn to clean up and rebuild. Insurance and disaster relief will become a more prominent part of the conversation. When it comes to coverage protecting homes from floods and flood damage, most property owners assume their home insurance policies will provide adequate protection. This is not always the case, making dedicated and additional flood damege coverage for specific water events a must.

Here are some things you need to know about water damage coverage & flood insurance…

What kind of water damage is covered by my basic home insurance policy?

Most standard home insurance policies cover water damage caused by things inside of your home (like a burst pipe), but damage caused by water that enters your home from external sources (during a heavy storm or rainfall, a sewer backup, or a sump pump failure) is likely not covered.

The good news is, you can likely buy additional water damage coverage to protect you in the event of these increasingly common emergencies depending on where you live and your insurance provider. Call your insurance broker to confirm if additional water damage coverage is available on your policy.

What kind of optional add-ons are available?

While optional add-ons are different for every insurance provider and location (including the type and limit of coverage available), here are two of the more common water-related add-ons that you can discuss with your broker:

  1. Sewer backup coverage.

    Sewer backup coverage is generally set up to protect you from loss or damage to your property when caused by the rupture or escape of water from a sewer, drain, sump pump, or septic system. For an additional premium to your homeowner’s insurance policy, an endorsement for water backup and sump discharge will cover losses caused by the following:

    • The backup of water or waterborne materials through a sewer or through a drain
    • Water or waterborne material that overflows from a sump, even if the backup of water is due to the mechanical breakdown of the sump pump. Coverage includes damage to covered property but excludes the sump pump and any related equipment that has broken down

    The endorsement does not cover losses that involve owner negligence, such as from damage as the result of forgetting to turn on your sump pump, or damages caused by a flood.

    The cost of sewer backup coverage is affordable. Call your broker to get more information about coverage costs, limits and deductibles.

  2. Overland water coverage.

    Generally speaking, overland water coverage is designed to protect you from damage caused by excessive rain, overflowing rivers, spring run-off, and melting snow. It usually excludes damage caused by saltwater, including tidal waves, and tsunamis.

    What is Overland Flooding?

    Overland flooding is defined as floodwaters that flow from an outside source or body of water onto dry land, causing water damage. The two most likely causes of overland flooding include snowmelt and rainstorms. Overland flood insurance covers flooding from surface water accumulation as well as from bodies of water, such as lakes, rivers or streams. Understanding what is and what has not considered flooding from an insurance perspective is critical to ensuring you secure the appropriate policies to protect against water damage.

    Why Traditional Policies Aren’t Enough

    While traditional home insurance policies and tenant policies may offer coverage for water damage from sewer backups or pipe bursts, they commonly exclude losses caused by overland floods. While newer policies can include some level of flood protection, availability varies. What’s more, even comprehensive homeowners and tenant insurance policies (which often offer the best available protection for homeowners and tenants) don’t automatically provide broad protections for water damage. Some people wrongly assume that sewer backup insurance provides adequate coverage. However, these policies only insure you from non-storm-related backflow from sewers or septic tanks. Sewer backup insurance doesn’t protect you if the backflow results from a sudden flow of external groundwater.To truly protect your home from floods, you can’t rely on standard home insurance policies or tenant insurance alone. Instead, you should turn to new forms of protection, like overland water endorsements.

    Overland Flood Endorsements

    Standard home, condo and tenant policies often exclude overland flood damage coverage. However, because extreme weather events are becoming more frequent, many insurers are now providing policyholders with the option to purchase add-ons (endorsements).In general, overland flood endorsements provide a level of flood insurance that was previously unavailable. Specifically, the overland flood endorsement can protect against damage resulting from melting snow, excess rain and overflowing riverbeds.With overland flood insurance, it is important to understand what is and what is not covered. Overland flood insurance covers damage from freshwater sources. This means that any claims related to coastal flooding, tsunamis and other saltwater sources are excluded. Dam breaks are also specifically designated as uncovered occurrences.

    Overland water endorsements are available to most property owners across Canada. However, a small number of dwellings may not qualify if the risk of flooding is too high in their area. The best way to determine your coverage eligibility is to contact your broker.

    For those living in areas that are on flood plains and regularly impacted by rising water, overland water or flood coverage is simply unavailable since insurance is designed to protect against random events, not predictable ones. When the next flood comes along, homeowners in these areas will have to avail of disaster relief assistance from the government if it is offered and if the homeowner qualifies.

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 water coverage and all the affordable ways we can help you to protect your home and personal property, please contact Munn Insurance at 855-726-8627 today.