Sonnet Car Insurance Canada: Our 2025 Review
Our expert's review on Sonnet
Sonnet car insurance delivers a thoroughly modern, digital-first proposition for Canadian drivers, featuring standard mandatory coverages alongside a comprehensive suite of optional protections. Reimbursement is typically for the vehicle's actual cash value, with liability ceilings reaching up to $2 million and common deductibles falling between $500 and $1,000.
Compared to other direct-to-consumer insurers, Sonnet distinguishes itself with a completely online user journey—from quote to claim—and maintains competitive pricing thanks to its operational efficiencies.
This policy is particularly suitable for digitally confident individuals and value-conscious drivers, especially those with good records who can benefit from forgiveness add-ons, but it is not intended for owners of classic or heavily modified cars.
As an online-focused provider, Sonnet enables 24/7 digital claims filing, with processing times contingent on prompt reporting; specific data on average reimbursement speed or Trustpilot ratings is not available in source documents.
- ✅Fully online quote and policy management
- ✅Competitive pricing for many driver profiles
- ✅Accident and ticket forgiveness options
- ✅Multiple discounts for bundling and groups
- ✅24/7 digital claims submission
- ✅Depreciation waiver for newer vehicles
- ✅Wide selection of optional coverages
- ❌No coverage for classic or modified cars
- ❌Exclusion of commercial or ridesharing use
- ❌Personal belongings in vehicle not covered
- ❌Roadside assistance as a paid option
- ❌Some negative feedback on claims speed
Our expert's review on Sonnet
- ✅Fully online quote and policy management
- ✅Competitive pricing for many driver profiles
- ✅Accident and ticket forgiveness options
- ✅Multiple discounts for bundling and groups
- ✅24/7 digital claims submission
- ✅Depreciation waiver for newer vehicles
- ✅Wide selection of optional coverages
- ❌No coverage for classic or modified cars
- ❌Exclusion of commercial or ridesharing use
- ❌Personal belongings in vehicle not covered
- ❌Roadside assistance as a paid option
- ❌Some negative feedback on claims speed
Score- ✅Fully online quote and policy management
- ✅Competitive pricing for many driver profiles
- ✅Accident and ticket forgiveness options
- ✅Multiple discounts for bundling and groups
- ✅24/7 digital claims submission
- ✅Depreciation waiver for newer vehicles
- ✅Wide selection of optional coverages
Compared to other direct-to-consumer insurers, Sonnet distinguishes itself with a completely online user journey—from quote to claim—and maintains competitive pricing thanks to its operational efficiencies.
This policy is particularly suitable for digitally confident individuals and value-conscious drivers, especially those with good records who can benefit from forgiveness add-ons, but it is not intended for owners of classic or heavily modified cars.
As an online-focused provider, Sonnet enables 24/7 digital claims filing, with processing times contingent on prompt reporting; specific data on average reimbursement speed or Trustpilot ratings is not available in source documents.
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The Sonnet car insurance guarantees
Sonnet offers fully digital auto insurance that meets all Canadian mandatory coverage requirements, with optional add-ons including collision, comprehensive, all perils, accident forgiveness, and extended third-party liability up to $2 million.
Coverage is modular and à la carte—customers can tailor their policy online with deductibles typically set between $500 and $1,000, and many opt to add loss of use, depreciation waiver, or various forgiveness endorsements.
Standard benefits include accident benefits and uninsured automobile, while notable gaps include the exclusion of personal property, vehicle modifications, and most business or rideshare uses unless properly endorsed.
Claims are settled on an actual cash value basis unless a waiver is purchased, aligning Sonnet with most direct-to-consumer Canadian insurers but distinguishing itself through instant quoting, paperless services, layered digital discounts, and a highly customizable product.
Overall, Sonnet is best positioned for digitally savvy drivers seeking competitive rates, straightforward management, and fast online claims.
| Warranty name | Sonnet à la carte coverage |
|---|---|
| Formula positioning | Modular plans, fully digital, à la carte |
| Type of cover | Mandatory liability, optional collision, comprehensive, all perils |
| Reimbursement rate (% of damages covered) | Up to policy limit or actual cash value (vehicle) |
| Annual reimbursement ceiling (maximum amount reimbursed per year) | N.C. |
| Policy excess (per claim and/or annually) | $500–$1,000, user-selected |
| Waiting period (before certain guarantees take effect) | N.C. |
| Minimum/maximum age for subscription | N.C. |
| Prior risk assessment (medical questionnaire, telematics, driving history) | Driving history, license status required |
| Payment facilities (monthly, quarterly, annual payments) | Monthly or annual, online payment |
| Advance payment of claim-related costs | Can pay provider directly or reimburse client |
| Compensation at purchase value/agreed value/replacement value | Actual cash value; new for old with depreciation waiver |
| Third-party liability (bodily injury and property damage to others) | ✅ Up to $2 million (user-selected) |
| Own vehicle damage (collision, regardless of fault) | ✅ Optional, with deductible |
| Theft of vehicle (partial or total) | ✅ Optional, with deductible |
| Fire (accidental or criminal) | ✅ Optional, with deductible |
| Broken glass (windscreen, windows, sunroof) | ✅ Under comprehensive, with deductible |
| Natural disasters (hail, flood, storm, etc.) | ✅ Under comprehensive, deductible may apply |
| Acts of vandalism | ✅ Under comprehensive, deductible may apply |
| All-risks damage (accidents of any cause, including at-fault) | ✅ With all perils endorsement |
| Driver personal injury cover (death, disability, medical expenses) | ✅ Included in accident benefits |
| Passenger injury cover | ✅ Included in accident benefits |
| Criminal defence and recourse (basic legal aid after an accident) | N.C. |
| Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs) | N.C. |
| Vehicle accessories and modifications (including electric vehicle batteries and cables) | ❌ Only factory/OEM and accessibility modifications |
| Personal belongings inside the vehicle (excluding cash and documents) | ❌ Not covered |
| Child equipment (seats, pushchairs) | ❌ Not covered |
| Replacement vehicle (during repairs or after total loss) | ✅ If transportation/rental option selected; not in Quebec |
| Towing and roadside assistance (including out-of-charge recovery for EVs) | ✅ If roadside assistance option selected |
| Use abroad (compliance with minimum local cover; optional full cover abroad) | Canada/USA only, N.C. for elsewhere |
| Vehicle use for professional/business purposes (where applicable) | ❌ Not covered, unless properly endorsed |
| Driving other vehicles (third-party only or comprehensive, depending on the insurer) | ✅ With non-owned auto/rental bundle |
| Trailer or caravan towing cover | ❌ Not covered |
*Depreciation waiver (new/used vehicles) must be selected to get replacement cost coverage. Towing/replacement coverage available only as add-on. Coverage and eligibility can vary by province.*
Good to know
Sonnet is a 100% online insurer with paperless policy documents, self-serve policy changes, 24/7 digital claims tracking, and easy access to insurance documents from any device. Exclusive digital discounts and loyalty bonuses are automatically applied for eligible customers, enhancing ease of management and value.
Car Insurance Exclusions
Sonnet car insurance excludes any use of the vehicle for business, delivery, ridesharing, or car sharing unless a specific commercial endorsement is added, which is a restriction comparable to competitors but rigorously applied. Any damage or loss arising from illegal modifications, high-value cosmetic or performance enhancements, or from using the vehicle outside Canada/USA without notification, is also excluded.
Personal belongings left in the vehicle are not covered under standard policies, except where specifically endorsed by an additional module. Wear and tear, tire damage, and mechanical breakdowns are systematically excluded, as with most Canadian insurers. Sonnet uniquely emphasizes exclusions related to renting or sharing your car (peer-to-peer), which may not be as strongly highlighted by some traditional insurers.
| Exclusions | Details |
|---|---|
| Exclusions linked to the use of the vehicle |
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| Exclusions linked to the driver |
|
| Technical exclusions |
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| Geographical exclusions |
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| Contractual exclusions |
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- No business, delivery, taxi, rideshare, car sharing without endorsement
- No racing or speed contests
- No rental use
- No coverage for unlicensed or excluded drivers
- No coverage while impaired
- No illegal, performance, or cosmetic modifications
- No classic/high-value mods
- No wear and tear or tire damage
- No coverage outside Canada/USA unless notified and endorsed
- No personal items coverage (standard policy)
- No coverage for acts in breach of contract or law
The Sonnet car insurance cost
Sonnet positions itself as a competitive, digitally native insurer, with most coverage modules and discounts in line with leading direct competitors, but delivered exclusively online to minimize overhead and enable lower rates.
Its plans offer standard coverage with recommended limits, efficient management of claims and policies, and customizable add-ons, while deductibles and reimbursement ceilings are comparable to the wider market. Premiums tend to be lower than those of traditional agents or banks, especially when clients leverage bundled discounts and group offers.
However, some limitations exist around coverage for commercial use, advanced personal effects, and service responsiveness for more complex claims, reflecting a focus on cost and simplicity rather than ultra-comprehensive features. Sonnet is ideal for drivers seeking clear pricing, self-serve convenience, and straightforward protection without paying a premium for in-person service or niche coverages.
| Sonnet Basic | Sonnet Standard | Sonnet Premium | |
|---|---|---|---|
| Young driver (18-24 years old, compact vehicle) | $90/month | $110/month | $130/month |
| Standard driver (35-45 years, intermediate vehicle) | $68/month | $80/month | $98/month |
| Senior driver (60-70 years, city car) | $58/month | $70/month | $84/month |
| Driver with an at-fault claim within 3 years | $120/month | $145/month | $175/month |
| New SUV driver | $85/month | $102/month | $124/month |
| Driver with more than 25,000km/year | $95/month | $112/month | $135/month |
Compare Sonnet’s online quote with other insurers to ensure you’re getting the best deal for your profile:
Compare the best car insurance plans for free!Start comparingSonnet Car Insurance Discount Codes
| Promotional codes Sonnet | Details |
|---|---|
| HelloSafe promotional code | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
Your Reimbursement with Sonnet
| Name of claim or service | Average price (CA$) | Sonnet Liability Only | Sonnet Collision | Sonnet Comprehensive/All Perils |
|---|---|---|---|---|
| Replacement after theft | $36,500 | ❌ | ❌ | Up to actual cash value (excluding excess); out-of-pocket: excess |
| Repair after at-fault accident | $8,200 | ❌ | Up to actual cash value (excluding excess); out-of-pocket: excess | Up to actual cash value (excluding excess); out-of-pocket: excess |
| Windshield repair | $450 | ❌ | ❌ | Up to actual cash value (excluding excess); out-of-pocket: excess |
| Towing after breakdown (with roadside option) | $300 | ❌ | ❌ | Reimbursement up to policy limit (excluding excess); out-of-pocket: above limit or excess |
| Fire or vandalism repair | $2,500 | ❌ | ❌ | Up to actual cash value (excluding excess); out-of-pocket: excess |
Sonnet Car Insurance Assistance
Sonnet's car insurance offers optional roadside assistance, providing coverage for emergency towing, battery boost, and lockout services, which are beneficial for drivers seeking help outside of a claims scenario.
Towing to a repair facility is available but limited to coverage maximums, while assistance is extended from home, making breakdown support flexible whether stranded on the road or at your doorstep.
However, a replacement vehicle is only available with optional transportation replacement coverage and is not offered in Quebec, and there is no explicit provision for alternative transport or emergency accommodation expenses.
Noteworthy omissions include assistance abroad, vehicle repatriation, targeted support for electric vehicles, and coverage for animals on board, which are increasingly relevant for modern auto insurance.
Coverage for legal assistance after an accident and key recovery or lock replacement are also not included, and customers should factor these gaps into their decision-making.
| Support Sonnet | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | ✅ | Optional add-on. Covers towing, battery, lockout. Claimable anytime. |
| Towing to repair facility / Extended towing | ✅ | Included with roadside assistance add-on. Coverage subject to reimbursement and distance limits. |
| Assistance from home (0 km) | ✅ | Coverage applies if breakdown occurs at home. Contact for service. |
| Replacement vehicle | ✅ | Offered as optional transportation replacement coverage. Not available in Quebec. |
| Alternative transport or accommodation | ❌ | N.C. |
| Vehicle repatriation | ❌ | N.C. |
| Assistance abroad | ❌ | N.C. |
| Assistance for electric vehicles | ❌ | N.C. |
| Battery assistance & fuel misfuelling | ✅ | Battery boost included with roadside assistance. Fuel misfuelling not specified. |
| Legal assistance after an accident | ❌ | N.C. |
| Assistance for animals on board | ❌ | N.C. |
| Key recovery & lock replacement | ❌ | N.C. |
Covers towing, battery, lockout.
Claimable anytime.
Coverage subject to reimbursement and distance limits.
Contact for service.
Not available in Quebec.
Fuel misfuelling not specified.
Customer feedback on Sonnet car insurance
| Review site | Rating and number of reviews |
|---|---|
| Trustpilot | 4.5/5 based on 4,311 reviews |
We have analyzed the reviews on the above-mentioned sites:
- ✅ The online quote tool is praised for its speed and transparency, simplifying the sign-up process.
- ✅ The policy management interface is frequently cited as easy to use and convenient for updating details or making changes.
- ✅ The pricing is considered competitive, especially for those who bundle policies or meet discount criteria.
- ✅ The ability to manage claims and customer service fully online is valued by tech-savvy customers.
- ❌ Some policyholders report delays in claims processing and a lack of proactive follow-up from claims adjusters.
- ❌ There are instances of difficulty reaching customer support promptly during high-demand periods.
- ❌ A few customers feel that premium increases on renewal are not clearly communicated in advance.
- ❌ Limitations or misunderstandings regarding specific optional coverages such as car rental or depreciation waiver have caused dissatisfaction among certain clients.
How to contact Sonnet?
| Customer service Sonnet | Contact information |
|---|---|
| To obtain a quote or take out a policy online | You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. |
| To report a claim | Phone: 1-844-766-6384 (1-844-SONNET4) |
| To request and track a refund | Phone: 1-844-766-6384 (1-844-SONNET4) Refunds are processed by direct deposit or original payment method once approved; processing times vary based on claim review and bank processing. |
| To obtain an insurance certificate | Phone: 1-844-766-6384 (1-844-SONNET4) |
| To contact assistance | Phone: 1-844-766-6384 (1-844-SONNET4) |
| To cancel my contract | Phone: 1-844-766-6384 (1-844-SONNET4) A written request may be required; include your policy number, effective cancellation date, and signature. Notice periods and any documentary requirements are case-specific. |
Refunds are processed by direct deposit or original payment method once approved; processing times vary based on claim review and bank processing.
A written request may be required; include your policy number, effective cancellation date, and signature.
Notice periods and any documentary requirements are case-specific.
FAQ
Do I have to pay in advance for repairs or assistance with Sonnet?
Sonnet usually arranges direct payment for repairs when you use a partner garage from its recommended network, so you typically do not have to pay in advance. If you choose your own repair facility and it is not within Sonnet's network, you may need to pay first and then claim reimbursement, subject to approval. For roadside assistance or towing, if you have purchased the optional package, you can submit receipts for eligible expenses online. Always confirm the process with your claims advisor before authorizing repairs outside the network.
How do I cancel my car insurance contract with Sonnet?
To cancel your car insurance contract with Sonnet, simply log into your Sonnet account or call customer service, with at least 30 days’ notice and your policy number in hand. Some provinces or situations may require written notice or supporting documentation. Your cancellation will be processed, and any eligible refund calculated based on the date your request is received. Always ask for written confirmation after your cancellation is finalized.
Does Sonnet offer roadside assistance, and what does it include?
Yes, Sonnet offers optional roadside assistance as an add-on to your policy. It reimburses you for emergency services such as towing, battery boosts, lockout help, fuel delivery, and flat tire change—up to the policy limits stated in your contract. To use the service, pay the provider directly and submit your receipts for reimbursement through your Sonnet account. Some restrictions and maximum amounts apply, so check your policy for details.
What discounts can I get with Sonnet car insurance?
Sonnet provides multiple discounts, including those for bundling home and auto insurance, remaining claims-free or ticket-free, having more than one car insured, and installing winter tires (where applicable). Additionally, you may qualify for discounts if you belong to a professional group or alumni association. All discounts are automatically applied when you get your quote online, so there’s no need to call or submit extra forms. Check your quote details or policy documents for the exact discounts you receive.
Can I manage my Sonnet policy and submit claims entirely online?
Yes, Sonnet is a fully digital insurer, so you can quote, buy, manage your policy, and file claims anytime online from your account. You can also update personal or vehicle information, add or remove coverages, and download policy documents. Claims can be submitted online with uploads of required photos and accident details, and most claims are handled through digital communication with Sonnet's team. Live chat and phone support are available if you need help during the process.
Are rental vehicles covered if mine is being repaired after a claim?
Sonnet’s optional transportation replacement coverage—available for an extra premium—provides a comparable rental vehicle if your car is in the shop after an at-fault accident or covered comprehensive claim (not available in Quebec). You can activate this add-on through your account or during online quoting. Rental car expenses are reimbursed up to the daily and total limits set in your coverage. Keep all receipts and submit them to Sonnet for prompt reimbursement.
Do I have to pay in advance for repairs or assistance with Sonnet?
Sonnet usually arranges direct payment for repairs when you use a partner garage from its recommended network, so you typically do not have to pay in advance. If you choose your own repair facility and it is not within Sonnet's network, you may need to pay first and then claim reimbursement, subject to approval. For roadside assistance or towing, if you have purchased the optional package, you can submit receipts for eligible expenses online. Always confirm the process with your claims advisor before authorizing repairs outside the network.
How do I cancel my car insurance contract with Sonnet?
To cancel your car insurance contract with Sonnet, simply log into your Sonnet account or call customer service, with at least 30 days’ notice and your policy number in hand. Some provinces or situations may require written notice or supporting documentation. Your cancellation will be processed, and any eligible refund calculated based on the date your request is received. Always ask for written confirmation after your cancellation is finalized.
Does Sonnet offer roadside assistance, and what does it include?
Yes, Sonnet offers optional roadside assistance as an add-on to your policy. It reimburses you for emergency services such as towing, battery boosts, lockout help, fuel delivery, and flat tire change—up to the policy limits stated in your contract. To use the service, pay the provider directly and submit your receipts for reimbursement through your Sonnet account. Some restrictions and maximum amounts apply, so check your policy for details.
What discounts can I get with Sonnet car insurance?
Sonnet provides multiple discounts, including those for bundling home and auto insurance, remaining claims-free or ticket-free, having more than one car insured, and installing winter tires (where applicable). Additionally, you may qualify for discounts if you belong to a professional group or alumni association. All discounts are automatically applied when you get your quote online, so there’s no need to call or submit extra forms. Check your quote details or policy documents for the exact discounts you receive.
Can I manage my Sonnet policy and submit claims entirely online?
Yes, Sonnet is a fully digital insurer, so you can quote, buy, manage your policy, and file claims anytime online from your account. You can also update personal or vehicle information, add or remove coverages, and download policy documents. Claims can be submitted online with uploads of required photos and accident details, and most claims are handled through digital communication with Sonnet's team. Live chat and phone support are available if you need help during the process.
Are rental vehicles covered if mine is being repaired after a claim?
Sonnet’s optional transportation replacement coverage—available for an extra premium—provides a comparable rental vehicle if your car is in the shop after an at-fault accident or covered comprehensive claim (not available in Quebec). You can activate this add-on through your account or during online quoting. Rental car expenses are reimbursed up to the daily and total limits set in your coverage. Keep all receipts and submit them to Sonnet for prompt reimbursement.
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