Sonnet Insurance

Sonnet Insurance, Canadian online insurer

Sonnet Insurance presents itself as Canada's first fully online home and auto insurer. Its model relies on direct online contracting: the customer answers a questionnaire, customizes coverage and buys the policy on the same platform, without in-person intermediaries. The company is part of the Definity group and declares a 150-year track record of insurance experience in its corporate backing.

Available insurance lines

The catalogue covers the usual needs of individuals and small property owners, with free, personalized online quotes:

• Auto: complete coverage with additional benefits such as accident benefits and ticket forgiveness, plus roadside assistance and vehicle replacement options.
• Home: protection for the home and its contents, with extras such as sewer backup coverage or first claim forgiveness.
• Condo: policy designed for condo owners, with liability and personal belongings coverage.
• Tenant: liability and personal property coverage for renters, including additional expenses and unit improvements in the event of a claim.
• Landlord: protection for rental properties, with liability coverage and rental income coverage in the event of a claim.
• Pet: insurance for dogs and cats that includes wellness, accidents, illnesses and dental coverage.

Sonnet Shift: driving-linked discounts

The company offers Sonnet Shift, a free smartphone app that monitors and scores driving habits. Every three months, the insured can earn discounts of up to 35% for safe driving, and at renewal they can access a mileage discount if they drive less. The proposition is aimed at those who want to influence the cost of their premium through driving habits.

Discounts and groups with advantages

Sonnet applies reductions for bundling home and auto, for insuring multiple vehicles or multiple locations, for membership in groups and associations, for no claims and for no traffic tickets. It also maintains agreements with specific groups: Canadian university and college graduates, Tangerine Bank clients, and employees and professionals of eligible organizations. The company also announced access to a free annual TELUS Health virtual care membership with the purchase of a policy.

Geographic coverage in Canada

Contracting is organized by province. Home insurance quotes are available in Alberta and British Columbia, while home and auto bundles are offered in Ontario, Quebec, New Brunswick, Nova Scotia and Prince Edward Island. The company defines itself as a Canadian-based insurer integrated into the Definity group.

Claims handling and support

The claims service operates 24 hours for emergencies, with a team of 600 people dedicated to this area. Policyholders can start a home, auto or pet claim online and receive telephone assistance. General support is provided by phone, chat and email through licensed agents, and the company estimates more than 64,000 hours spent attending to customers. The platform requires two-factor authentication when accessing the account and offers secure payment options at purchase.

Declared environmental commitment

The insurer states its commitment to achieving net zero emissions by 2040, a goal it presents alongside its activity of protecting homes and vehicles.