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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

April 22
Your agent Nathan was amazing and so…
Your agent Nathan was amazing and so helpful.
Alecia O'Brien
April 19
Prompt response
Prompt response. Good info to make a decision. Helpfull that info was sent to ...
Margaret Bird
April 19
Sean was easy to talk too and very…
Sean was easy to talk too and very informative.
April 19
Good job
The staff was helpful and knew what were doing.
Franziska Pedersen
April 17
Good pricing
Pleasant broker and helpful
April 17
filled out form online less than 5mins…
filled out form online less than 5mins called right away and setup call with bro...
April 16
The Agent was very kind and helpful!
The Agent was very kind and helpful!
Istvan Kiraly
April 16
Great customer care she is good 👍
Great customer care she is good 👍
Anthony Odia
April 15
Simple and clear!!
Fast response ! Friendly knowledgeable staff!
Kent Fewer
April 15
great rep provided all the information…
great rep provided all the information I needed to make an informed choice
April 12
After I got the quotes somebody…
After I got the quotes somebody followed up with me and put me trough with an ag...
Stefan Ciucas
April 12
fast responce
fast responce, great people to talk to explaining everything, What a Great web s...
Larry Rowthorn
April 9
Very helpful advice and great overall…
Very helpful advice and great overall service.
April 6
Easy to deal with and very helpful
Very easy, good use of technology and customer follow up was awesome
Steve Miller
April 6
Easy and friendly process.
Easy and friendly process.
April 5
So good service ,,
So good service ,,, Tammy service me so so good
Son Nguyen
April 5
Very good service.
Very good service.
Tanya Neufeld Eckert
March 30
easy to work with…
easy to work with and find what I needed fast.
Pierre Duprey
March 25
Immediate response
Immediate response
Donald Henderson
March 6
Very helpful team !
Very helpful team !
Shivali Patel
February 15
Super fast seriously half the price!
Super fast seriously half the price of my previous broker. I worked with Khadija...
N. Gul
January 31
Representative was extremely helpful…
Representative was extremely helpful and was able to assist in all our needs.
Laura Dunsford
January 19
I was treated very well
I was treated very well, the person that was helping me was very helpful and fou...
Tim Bob
January 18
Great service
The response to my inquiry was quick. I received a phone call a few hours later ...
Sherri Leclerc
December 4
Quick turnaround
Quick turnaround, I am really happy with the process so far.
Breno Mendonca
November 11
process was easy and professional
The process was easy and professional
James Robichaud
November 1
The young man was very courteous and…
The young man was very courteous and professional. We didn't qualify due to low...
Teresa Penning
October 26
Quick and friendly response.
Quick and friendly response.
Dan Rochon Rochon

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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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