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Insurance

Auto
Drive with peace of mind knowing you’re covered.
Home
Protect your house, your stuff and yourself.
Condo
Coverage specifically for condo owners.
Tenant
Get contents and liability coverage for renters.
Landlord
Custom coverage for your income property.
Group Insurance
Partner with us for exclusive group savings.
PetNew!
Buy insurance online for your cat or dog.
Savings

University Alumni
Graduates get exclusive savings.
Employees and Professionals
Savings for eligible employees and members.
Nissan Customers
Start saving with an exclusive discount.
Offers
Discounts, promos and offers beyond insurance.
Claims

Claims
Learn more about our claims promise.
Home
Filing a home claim? Here’s what you need to know.
Auto
In an accident? Get step-by-step 24/7 support.
Pet
Submit a pet claim in just a few steps - here’s how.
Support

Contact Us
Chat, call or email with our fully licensed insurance advisors.
FAQs
Step-by-step help, troubleshooting tips and more.
About Us
Canada’s first fully online home and auto insurer.
Blog
Helpful content from insurance to finance and more.
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Get a QuoteQuote
Insurance
Auto
Drive with peace of mind knowing you’re covered.
Home
Protect your house, your stuff and yourself.
Condo
Coverage specifically for condo owners.
Tenant
Get contents and liability coverage for renters.
Landlord
Custom coverage for your income property.
Group Insurance
Partner with us for exclusive group savings.
PetNew!
Buy insurance online for your cat or dog.
Auto
Drive with peace of mind knowing you’re covered.
Home
Protect your house, your stuff and yourself.
PetNew!
Buy insurance online for your cat or dog.
Savings
University Alumni
Graduates get exclusive savings.
Employees and Professionals
Savings for eligible employees and members.
Nissan Customers
Start saving with an exclusive discount.
Offers
Discounts, promos and offers beyond insurance.
University Alumni
Graduates get exclusive savings.
Nissan Customers
Start saving with an exclusive discount.
Employees and Professionals
Savings for eligible employees and members.
Offers
Discounts, promos and offers beyond insurance.
Claims
Claims
Learn more about our claims promise.
Home
Filing a home claim? Here’s what you need to know.
Auto
In an accident? Get step-by-step 24/7 support.
Pet
Submit a pet claim in just a few steps - here’s how.
Claims
Learn more about our claims promise.
Auto
In an accident? Get step-by-step 24/7 support.
Home
Filing a home claim? Here’s what you need to know.
Pet
Submit a pet claim in just a few steps - here’s how.
Support
Contact Us
Chat, call or email with our fully licensed insurance advisors.
FAQs
Step-by-step help, troubleshooting tips and more.
About Us
Canada’s first fully online home and auto insurer.
Blog
Helpful content from insurance to finance and more.
Contact Us
Chat, call or email with our fully licensed insurance advisors.
About Us
Canada’s first fully online home and auto insurer.
FAQs
Step-by-step help, troubleshooting tips and more.
Blog
Helpful content from insurance to finance and more.
FrLog In
Get a Quote




ONLINE DOESN'T HAVE TO MEAN ON YOUR OWN

Get expert advice from start to finish.





WE’RE HERE WHEN YOU NEED US

Whether you’re quoting, buying, or managing your online insurance, we support
you every step of the way.

Heads up! Have a Sonnet account? Log in before reaching out to us. This way,
we’ll be able to talk about policy and account details with you. To reach Sonnet
Pet Insurance, visit our FAQ.


WE CAN HELP AROUND THE CLOCK

Chat with our Advisors Monday to Friday from 8 a.m. to 8 p.m. ET. Need help
after hours? Email us and we’ll reply within one business day. Our chatbot is
also available 24/7.


WE’RE LICENSED EXPERTS

As fully-licensed Insurance Advisors, we know our stuff – right down to the
small print. We’re happy to answer your questions about coverage, pricing,
billing and more. Plus, we’ll guide you through the online process wherever
you’re at.


WE HAVE 24/7 CLAIMS SUPPORT

With 600 claims professionals and 24-hour emergency claims service, we’re just a
phone call away. Whether you’re making a home claim or making an auto claim,
we’ll get you the help you need as quickly as possible.




ONLINE ADVICE FROM HUMAN ADVISORS

Sonnet’s online platform puts you in control of your insurance – but everyone
needs a little help sometimes.

Our trusted Insurance Advisors have already logged over 64,000 hours helping our
customers. You can count on us to answer your questions. And, we’ll guide you
through the online process for things like:


HOME INSURANCE

 * Choosing the right coverage for your home
 * Moving houses
 * Adding a mortgage
 * Getting proof of insurance

Find out more about our home insurance




AUTO INSURANCE

 * Finding auto coverage that works for you
 * Adding a new driver
 * Switching or adding a vehicle
 * Getting your digital pink slips

Find out more about our auto insurance


ANSWERS AT YOUR FINGERTIPS

We’ve worked hard to make insurance easy to understand. We simplified the
quoting process, and we’ve re-written your coverage and policy details in plain
language. You can also find answers online to your most frequently asked
insurance questions, quickly and easily. Here are a few we get asked the most:

How to get a car insurance quote online: A step-by-step guide

Here’s how to get car insurance with Sonnet. Sonnet is a completely digital
insurance company – we use new technology that means you don’t have to answer
many questions to get an instant car insurance quote that’s tailored to you. You
can quote and buy your car insurance – all online.



Step 1: Enter your vehicle details

The first page you'll see is titled “What are you driving?”. Here, we want to
know all about your vehicle – the make/model, where it’s parked and what it’s
used for.

Heads up! For the first question, enter in the year for the vehicle first –
you’ll get a drop-down list as you keep entering in the vehicle information.
Also, enter your address as it is recognized by Canada Post. Your address should
pre-populate as you enter it into the field.

Step 2: Add additional vehicles

If you have more than one vehicle, be sure to click on “Add another vehicle”.
Enter your coverage start date – this is when you’d want your insurance to
start. Then, click continue.

Step 3: Enter your personal information

The next page is “Tell us about yourself”. Here's where you enter your personal
information. You can also add a group discount to see if you qualify for any
further price reductions to your quote. You’ll also have to agree to the address
validation to move on. Then, click continue.

Heads up! You must be the vehicle owner to get a quote. If you’re just a driver,
the vehicle owner will need to enter in their information here.

Step 4: Add any other drivers

On the following page, you’re asked if there are any other drivers in your home.
If there are (even if they live away sometimes) click on “Add another driver”.
If you’re the only driver in the household, click on “View your quotes”.

Heads up! Make sure you read the consent statement below “View your quotes”.
This is where we verify the information you’ve provided to us.

Step 5: Add details if required

The next page can be different depending on a few circumstances. If you now see
your quote it means there's one less step for you – skip to step 6.

If you see a screen that says "Almost there!", we just need you to enter in a
few key pieces of information that we were unable to collect automatically from
the databases we use. Once you’ve done so, click “View your quotes”.

Step 6: View your quotes

Success! You can now view your car insurance quote that’s catered to you. If
you’d like to view more package options, click ‘Explore other pre-set packages’.
The quote displays the cost for the coverages that are shown below. Click the
“View and customize” button to take a closer look at your quote’s coverages.

Step 7: Review your coverage

This page is “Your coverage details” – here, we explain all the coverages in
detail to help you understand how you’d be covered. Click on each coverage to
learn more about it. Also, you can customize the limits and deductibles of any
coverage – you’ll see the quote reflect the changes.

Step 8: Buy your car insurance or save your quote

Once you’re happy with your car insurance quote, click on “buy now” to purchase.
Or if you’re not ready to buy, you can click “save quote” beneath the price to
review it later – all you’ll need to do is enter your email address and we’ll
send you an email with a link that brings you directly to your saved quote.

How to get a home insurance quote online: A step-by-step guide

Here’s how to get home insurance with Sonnet. Sonnet is a completely digital
insurance company – we use new technology that means you don’t have to answer
many questions to get an instant home insurance quote that’s tailored to you.
You can quote and buy your home insurance – all online.

Step 1: Enter your home details

The first page you will see is “Tell us about yourself and your place”. Here, we
want to know your property type and whether you own or rent it. Also, we’ll need
your address.

Heads up! Enter your address as it is recognized by Canada Post. Your address
should pre-populate as you enter it into the field.

Step 2: Enter your personal details

Enter in your first and last name, plus your date of birth. Click “Continue”.

Heads up! You’ll need to be the owner of the property to get a quote under your
name – if you are renting, this doesn’t apply to you.

Step 3: Verify the details

The next page is titled “Is this correct?”. We have used technology to provide
us with information about your house. Here, you simply need to verify and alter
what we’ve filled in. Then, enter your coverage start date – this is when you’d
want your home insurance to start. On this page, you can also add a group
discount to see if you qualify for any further price reductions to your quote.

Step 4: Review and agree to the consent statement

Read the consent statement – this is where we verify the information you’ve
provided to us about your claims history. Then, click “View your quotes”.

Heads up! You’ll need to agree with the consent statement to proceed with the
quote. 

Step 5: View your quotes

Success! You can now view your home insurance quote that’s catered to you. If
you’d like to view more package options, click ‘Explore other pre-set packages’.
The quote displays the cost for the coverages that are shown below. Click the
“View and customize” button to take a closer look at your quote’s coverages.

Step 6: Review your coverage

You’re nearly there! This page is “Your coverage details” – here we explain all
the coverages in detail to help you understand how you’d be covered. Click on
each coverage to learn more about it. Also, you can customize the coverage
limits and deductibles – you’ll see the quote reflect any changes.

Step 7: Buy your home insurance or save your quote

Once you’re happy with your home insurance quote, click on “Buy now” to
purchase. Or if you’re not ready to buy, you can click “Save quote” beneath the
price to review it later – all you’ll need to do is enter your email address and
we’ll send you an email with a link that brings you directly to your saved
quote.

Step-by-step guide: How to get a home & auto quote

Sonnet is a completely digital insurance company – we use new technology that
means you don’t have to answer many questions to get an accurate quote that’s
tailored to you. Quoting and purchasing coverage is all completed online. Follow
our step-by-step guide to help you get your Sonnet bundled home and auto quote.

Step 1:
The first page you'll see is “Tell us about yourself and your place”. Here, we
want to know your property type and whether you own, rent, or rent it out. Also,
enter your address as it is recognized by Canada Post. Your address should
pre-populate as you enter it into the field. Then, enter in your first and last
name, plus your date of birth. Click Continue.

Heads up! You’ll need to be the owner of the property to get a quote under your
name – if you're renting, this doesn’t apply to you.

Step 2:
The next page is titled “Is this correct?”. We've used technology to provide us
with information about your house. Here, you simply need to verify and alter
what we’ve filled in. (If you’re getting a condo or tenant quote, no need to
verify house details.) Then, enter your coverage start date – this is when you’d
want your home insurance to start.

On this page, you can also add a group discount to see if you qualify for any
further price reductions to your quote.

Don’t forget to read the consent statement! We need your permission to check
your claims history and credit score (this allows us to make sure we provide you
with both an accurate and best priced quote). Then, click Continue.


Heads up! You’ll need to agree with the consent statement to proceed with the
quote.

Step 3:
Success, you have now completed your home quote! You’ll be able to view your
quote after you’ve completed your auto quote. Click Continue to move on to
entering the details for your vehicle.

Step 4:
The next page you'll see is titled “What are you driving?”. Here, we want to
know all about your vehicle – the make/model, where it’s parked, and what it’s
used for.

Heads up! For the first question, enter in the year for the vehicle first –
you’ll get a drop-down list as you keep entering in the vehicle information.
Your address will pre-populate as the same one you entered for your home quote.

If you have more than one vehicle, be sure to click on “Add another vehicle”.
Enter your coverage start date – this is when you’d want your insurance to
start. Then, click Continue.

Step 5:
Up next is “Tell us about yourself”. Here’s where you enter your personal
information. You can also add a group discount here as well to see if you
qualify for any further savings on your quote (if you entered a group discount
during your home quote, we’ll pre-populate the same discount for your auto quote
if available). You’ll need to agree with the consent statement again here to
proceed with the quote. Then, click Continue.

Heads up! You must be the vehicle owner to get a quote. If you’re just a driver,
the vehicle owner will need to enter in their information here.

Step 6:
On the following page, you’re asked if there are any other drivers in your home.
If there are (even if they live away sometimes) click on “Add another driver”.
If you’re the only driver in the household, click on View your quotes.

Heads up! Make sure you read the consent statement below “View your quotes”.
This is where we verify the information you’ve provided to us.

Step 7:
The next page can be different depending on a few circumstances – if you see a
screen that says “Almost there!", we just need you to enter in a few key pieces
of information that we were unable to collect automatically from the databases
we use. Once you’ve done so, click View your quotes. If don’t see this page, it
means there's one less step for you – skip to step 8.

Step 8:
Success! You now have both your home and auto quotes that are catered
specifically to you. The quotes display the cost for the coverages that are
shown below. Click View and customize to see your quotes in more detail and to
be able to make changes to your coverages.

Step 9:
You’ll first land on the “Customize your coverage details” page for your home
quote – here, we explain all the coverages in detail to help you understand how
you’d be covered. Click on each coverage to learn more about it. Also, you can
customize the coverage limits and deductibles – you’ll see the quote reflect any
changes made. Once you have set the coverage to your needs click View and
customize to continue to your auto coverage.

Step 10:
Here is the “Customize your auto coverage details” page for your auto quote –
again, we explain all the auto coverages in detail to help you understand how
you’d be covered. Click on each coverage to learn more about it. Also, you can
customize the coverage limits and deductibles – you’ll see the quote reflect the
changes.

Step 11:
Once you’re happy with your coverage, click on Buy now to purchase it. Or, if
you’re not ready to buy it, you can click Save quote to come back later – all
you’ll need to do is enter your email address and we’ll send you an email with a
link that brings you directly to your saved quote.

How do I add a group discount?

Adding a group discount is easy. 

 1. Look for the Group Discount field when getting a home or auto quote. You can
    quickly search for the name of your group or association and select it from
    the suggestions that appear. We’ll ask for your group ID  to confirm your
    eligibility. 
 2. If you’re a university alumni or student, look for the Canadian University
    field. Quickly search for the name of your university. As a university
    alumni or student, you may be eligible for a group discount. We’ll ask you
    for your graduation/expected graduation year to confirm your eligibility.
 3. Click Continue. 
 4. That’s it! Your group discount will automatically be applied to your quote.
    If we’re unable to verify your eligibility, then the discount will be
    removed.

Already have a Sonnet insurance policy? Learn how to add your Group Discount.

Is my quote the final price?

In general, yes! As long as all questions were answered accurately, this is your
final price – it won’t change upon purchase. And, there are no hidden fees.

However, there are a few scenarios where your quoted premium could change:

 * If you update the coverages or make certain changes in your saved quote.
   Updating coverages can raise or lower your quoted premium. Adding extra
   protections, for example – like Sewer Backup Coverage to your home policy –
   costs more and bump up your premium. On the other hand, if you raise your
   deductible, generally you’ll see your quoted premium go down. 
 * If you change your coverage start date. Changing the date your policy starts
   could impact your premium, since the new date could push it into a new rating
   period. 
 * If your saved quote has expired, or if the coverage start date you selected
   has passed. We will honour your saved premium for 45 days. After 45 days,
   your quote will expire and you’ll need to re-quote – and the premium will
   likely be different, even if your address, vehicle or situation hasn’t
   changed. If the coverage start date you chose is in the past, you’ll also
   need to re-quote – and your premium will change according to the rating
   period. 
 * If we become aware of information that wasn’t originally disclosed. Our
   website’s advanced analytics pull information from your driving record and
   your claims history. If you forgot to disclose something (like a ticket or
   claim), we’re required to apply that information and re-rate accordingly.

If you have any questions about your quote, don’t hesitate to contact us via
chat or email – these are the quickest way to get in touch, and we’re always
happy to help! 



How to buy your insurance policy online

If you’ve saved a quote, we’ll have sent you a confirmation email with a link to
take you back to your quote. Click on this link and we’ll walk you through how
to purchase your insurance policy online.

Heads up! Haven’t saved a quote yet? Here’s the step-by-step explaining how to
get a home quote or auto quote in just a few minutes. 

Here are the steps for buying your new home and/or auto insurance policy with
Sonnet:

 1. Open the link to your saved quote and click “Buy now”.
 2. Create your new Sonnet account.
 3. Register your phone number for two-step verification, to keep your account
    safe.
 4. Confirm and provide any final requested details. Here’s the info we’ll need:
    
    Home policy
    
    - Name and address of your mortgage company, if you have a mortgage
    - Any other homeowners listed on the deed of your home
    
    
    Auto policy
    
    - VIN(s) of your vehicle(s)
    - Name and address of your leasing or financing company, if your car is
    leased or financed
    
    

 5. Enter your payment information – this includes if you’d like to pay annually
    or monthly, and what method of payment you’d like to use.
 6. Review and confirm your coverage details and payment options. Make any
    changes, if necessary. Don’t forget, you can always update your coverages
    and method of payment after purchase.
 7. Read carefully and agree to the Consent and Policy Conditions for your
    province.
 8. Click “Buy now” to purchase your insurance policy.
 9. Congratulations – you’re insured!

Heads up! If you’re looking to purchase a pet insurance policy, the process is a
little different. Visit our pet quoting FAQ  for more info on how to quote and
purchase a pet policy.



Where is your office?

111 Westmount Road South, Waterloo, ON N2L 2L6

What payment methods can I use for the down payment?

You can make your down payment using a credit card (VISA, MasterCard or Amex),
or you can pay via your PayPal account. Either way, we’ll process this payment
during purchasing.

Because payments can’t be processed instantly through bank withdrawal, this
payment option isn’t offered for the down payment. Please note, we’re also
unable to accept VISA Debit or MasterCard Debit as a credit card for the down
payment. But, you can link these payment methods to your PayPal account to make
the down payment.

You’ll also be able to change your payment method in your Sonnet account after
purchasing.

I’ve saved a quote, now what?

If you’re happy with your quote, you can go ahead and buy it – no call needed!
Just like quoting with Sonnet, purchasing your policy is completed online
through sonnet.ca in a few easy steps.

If you’re ready to purchase, the steps to buy are a little different depending
on if you’re purchasing home insurance, auto insurance, or both, but in general,
here’s what you’ll need to have ready:

 * Your exact coverage start date. Before clicking buy now, make sure the
   coverage start date is right and that it lines up with when you need
   insurance. You won’t be able to change this start date after purchasing.
 * Your phone – mobile or landline. As an extra security step, you’ll need your
   phone to complete our two-step verification. You’ll also be asked to complete
   this process when logging in to your account.
 * The name and mailing address of your leasing, financing or mortgage company
   (if applicable). These details will be required during purchasing, and it’s
   important that they are correct from the start of your policy.
 * A credit card or PayPal account to purchase your policy. If you’re making
   monthly payments, you’ll have to make a down payment with a credit card
   (VISA, MasterCard or Amex) or a PayPal account.
   
   Heads up! Every customer will have a different experience. We take many
   factors into consideration when determining which payment plans are available
   (based on the information provided in your quote).

After purchasing, be sure to confirm your email address. This will give you full
access to your Sonnet account. In your account, you can download your policy
documents, including your proof of insurance and liability slip.

If you’re not ready to purchase, your quote will be saved for the next 45 days
(as long as no changes are made) or until your selected coverage start date
(whichever occurs first).


HAVE A MEDIA OR PARTNERSHIP INQUIRY?

If you have a Sonnet story idea or are looking to partner with Sonnet, reach out
to us. Our teams are looking forward to hearing from you.


MEDIA RELATIONS

Stay up-to-date on all things Sonnet. Read our most recent news releases Open in
a new window, or get in touch with our Media Relations team.


GROUP INSURANCE

Learn about our group insurance offering for your organization and contact our
dedicated group insurance representatives.


PARTNERSHIPS

Have a potential marketing opportunity? Interested in becoming a Sonnet Connect
partner? Send us an email.


WE WANT TO HEAR YOUR FEEDBACK

Our goal is to work with you to answer your questions, explain decisions made
and find a solution. If you have any concerns, please contact our Customer Care
team first. They’re able to resolve most matters in a single interaction. If
your concern is still unresolved, you can follow our complaints process to take
further action.
Learn about our complaints process


BUY HOME AND AUTO INSURANCE ONLINE IN 5 MINUTES

Get a Quote


The 5 minutes to get insured is based on the average Sonnet customer experience.


ARE YOU A SONNET CUSTOMER?

Log in to chat so we can talk specifics.

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©2022 Sonnet Insurance. Sonnet Insurance® All trademarks used herein are owned
by the respective entities. All rights reserved. 

Policies underwritten by Sonnet Insurance Company except for Sonnet Pet
Insurance. Sonnet Insurance Company is registered with Autorité des marches
financiers as a property and casualty insurer (Reg #: 2000434353 Open in a new
window) and damage insurance agency (Reg #: 50519 Open in a new window). Contact
Sonnet in either capacity via chat, electronic note, or by logging into the
customer portal at https://www.sonnet.ca/contact-us. 

View Legal


Sonnet Pet Insurance is underwritten and distributed by Petline Insurance
Company. Petline Insurance Company is an affiliate of Sonnet. Products are
available to residents of B.C., Alberta, Ontario, Québec, New Brunswick, Nova
Scotia and P.E.I. and provide coverage to eligible pets. All coverage described
is subject to the terms, conditions, limitations and exclusions contained in our
Policy Wordings. In the event of a discrepancy, your policy wording governs.

Always refer to your insurance policy for information about your coverage,
including limits, deductibles, and exclusions. In case of discrepancy, the
insurance contract prevails over general information available on this site. Any
policy related changes made on this site will not be effective until you receive
confirmation.

Bundling discount reflects the best possible savings a customer could receive by
bundling their home and auto coverage. Depending on your quote details, you may
not be eligible for a discount.



The 5 minutes to get insured is based on the average Sonnet customer experience.



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