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Learn more about Sonnet Insurance.

Sonnet Insurance is a direct writer of auto and home insurance, which means it underwrites policies and sells them online direct to consumers. Sonnet doesn't have agents that earn a commission on each policy they sell. In fact, you don't even have to speak with an agent when you buy insurance with Sonnet, though they do have support if you need it. You can reach licenced agents by phone, email, or chat.

Sonnet tries to set itself apart in the Canadian marketplace by positioning itself as a solution for consumers who want buying and maintaining insurance to be as uncomplicated as possible. By leveraging its proprietary analytics and platform, Sonnet customers can quote, buy, and manage their policies online. Sonnet also promises to write Canadians competitively priced policies in easy-to-understand language in five minutes.

Sonnet offers car and home insurance in Ontario, Quebec, New Brunswick, Nova Scotia, and P.E.I. Home insurance is available to B.C. residents.



What other types of insurance does Sonnet offer?

Sonnet offers more kinds of property insurance.

Home insurance: Sonnet provides home insurance coverage to homeowners in B.C., Alberta, Ontario, Quebec, New Brunswick, Nova Scotia and P.E.I. Home insurance covers the structure of your home, its contents, and your personal liability.

Condo insurance: Coverage for condo dwellers is available in the same provinces in which Sonnet writes home insurance policies. Condo insurance is slightly different from home insurance in that it only insures your unit and its contents. However, it does protect against the same insurable perils that home insurance covers.

Tenant insurance: Renters can also take advantage of Sonnet’s streamlined approach to buying and managing insurance. Tenant insurance is available in all the regions where Sonnet provides home insurance. Tenant insurance protects your personal effects if an insurable peril damages your rental. Tenant insurance offers liability coverage, as well.

Landlord insurance: Standard home insurance won’t protect your income property against a loss – only landlord insurance will. Sonnet offers landlord coverage to the same regions it underwrites home insurance.

Pet insurance: Sonnet also offers pet insurance. Standard coverage includes medical procedures, dental care, some prescription medication, and some types of therapy and medical devices. The company says it will cover up to 80% of a vet bill in case of an accident or illness. A Sonnet policy also covers boarding, kennel fees, and lost pet advertising.

Group insurance: Looking to offer property insurance to your employees? Sonnet now offers group plans. Professional associations also qualify.

Sonnet savings

Nissan and Infiniti discount: Interestingly, Sonnet advertises an exclusive discount for Nissan and Infiniti drivers. While it's well-established that car make and model influences insurance rates, it's uncommon for an insurance company in Canada to favour a car manufacturer openly. The discount also entitles you to an enhanced claims experience, where you'll, be outfitted with original equipment manufacturer parts, provided your vehicle is three years old or less.

Claims-free discount: If you haven't filed a claim in the last six years, you could save with Sonnet.

Multi-vehicle discount: Sonnet will apply a discount if you insure more than one vehicle with them. 

Multi-policy discount: You could save up to 20% on insurance by bundling your home and auto insurance.

Winter tire discount: Ontario drivers could save by keeping winter tires on between November and April. Discounts are usually in the 5% range. 

Alumni discount: You could benefit from a group discount if you're an alumnus of one of the schools Sonnet recognizes.

Sonnet does not currently offer a usage-based insurance (UBI) program. UBI is often framed as a savings program by the Canadian insurance providers that do offer it.

The Sonnet car insurance advantage.


Sonnet car insurance offers pricing that’s competitive and personalized. They combine your unique information with a whole lot of math and analytics to build a price that is just for you — savings included. Bundle your home and auto insurance to save even more. Beyond bundling, Sonnet now offers other discounts.

Is there an app?

Sonnet doesn’t have an app, but its responsive website is designed specifically for use on your mobile browser.

How to submit a claim with Sonnet

Sonnet offers 24/7 claims support with 600 claims professionals and a network of certified partners across Canada.

Join the millions of Canadians saving money on auto insurance

The first rule of saving money is to shop around for the best price. Make sure you’re not overpaying for car insurance by comparing insurance providers before you settle on one. makes comparing multiple auto insurance companies a snap. We don’t sell insurance — we’re completely independent — but we can show you which insurer is offering the lowest price. Just enter your postal code and in 3 minutes we’ll show you rates from 50+ Canadian insurance providers. Best of all? It’s free.

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What people say after comparing rates on

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Alexandra Bosanac

Alexandra Bosanac

About the Author

Alexandra Bosanac is the Core Content Manager for Her reporting has appeared in Canadian Business, the Toronto Star, the National Post, and the CBC.

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