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 always here when you need us. 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 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. 

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.

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.

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).

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! 

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.

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, 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.

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

Are you a Sonnet customer?

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