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There are a couple of things you can do. First, check your spam folder to make sure it didn’t end up there. If you still can’t find it, give us a call at 1-844-SONNET4 and we’ll make sure we have the correct email address for you. We’ll resend you the link to get your quote.
Liability limits. We'll cover you and the people on your policy for valid claims, and the cost of settling those claims, if you're held liable for injuries or damage to someone else's property as a result of an auto accident. Tip: Minimize how much you could be financially liable for in the case of a major accident by increasing this limit.
In Quebec, we cover the damages to your vehicle as well as those to someone else’s property. However, injuries are covered under the Quebec public insurance plan, SAAQ.
Extra coverages. If your vehicle would cost more than the deductible amount to repair it, you might consider adding Collision: Your Fault and/or Comprehensive coverage. (In Quebec, Collision coverage is called “Collision and Upset”, and Comprehensive is known as “All Perils Other than Collision and Upset”.) If your vehicle is involved in a collision with another object or tips over, Collision coverage will help cover the damage. Comprehensive covers your vehicle against loss or damage other than what's covered by Collision. This includes falling or flying objects, missiles and vandalism, and all the things listed under Specified Perils.
There are a number of factors we look at to help determine your rate. For instance:
Number of past claims
Information about you (e.g. how many years you’ve been a licensed driver)
Traffic violations (e.g. speeding tickets)
Also, each province has government regulators that oversee how prices are determined by insurance companies (though, this doesn’t apply in Quebec).
It’s a whole lot of math and statistics. Basically, we look at a complex set of factors that determine your rate. For instance:
When you have a claim, the deductible is the amount that’s paid out first then we cover the remaining cost. Here’s how it works:
Let’s say you experience a loss or damage that’s covered by your home policy. Any expenses that are below the deductible amount are your responsibility. The amount that’s over and above your deductible are our responsibility. This applies to any single loss, unless your policy says otherwise.
Here are a few tips:
Along with the usual questions about you and your vehicle, we’ll also ask you for your driver’s licence number (to get information about your driving and claims history) as well as your vehicle’s VIN (vehicle identification number). Oh, and don’t worry – your information is secure and won’t be shared with or sold to anyone else.
While you may not have reported an accident, it still might be on record if it was reported to the police or if the other party involved reported a claim. This information is made available to us when we check your claims history.
After you purchase your auto insurance, we’ll send you an email with a link to your account. That’s where you’ll find all your coverage details as well as a copy of your pink slip (this is for reference only – you’ll need to keep a hard copy version with your vehicle). We’ll also send you a hard copy of your pink slip via snail mail (aka Canada Post).
You can pay monthly, annually or three times a year.
There are a couple of things you can do. First, check your spam folder to make sure it didn’t end up there. If you still can’t find it, give us a call at 1-844-SONNET4 and we’ll make sure we have the correct email address for you. We'll resend the email to you so you can activate your account and retrieve your policy documents.
It happens... we get it. If your bank account withdrawal comes back with insufficient funds, we attempt another withdrawal. A separate NSF fee gets charged to your account.
Sure! You can change your monthly withdrawal date once per contract period. The change will go into effect at the time of your next withdrawal.
Yes — but only at renewal. Don’t worry, we will notify you well in advance so you have time to make any changes.
Not to worry. If you've forgotten your password, just click this link. Fill in your email address, hit send and we'll send you an email with instructions on resetting your password.
That’s an easy one. Just login as usual using your current email address and password. Once you’re logged in, go to My Settings. Select “Edit” beside Email address or Password, depending on which one you want to change. Make your changes, select save and you’re done!
Let us know by calling 1-844-SONNET4 any time, Monday to Friday from 8 a.m. to 8 p.m. ET and Saturday 9 a.m. to 5 p.m. If you’re in Quebec, our hours are Monday to Saturday from 9 a.m. to 5 p.m. ET.
First, you’ll need to go to My Account and cancel your current policy. You can purchase a new policy just like you did the first time. Remember: since you’re moving into a new place, you’ll probably get a different price than before.
Yes – even though we hope you don't. Please call 1-844-SONNET4 first and we'll do our best to make things better.
If you still want to cancel your policy:
The cancellation fee your insurance company will charge you will depend on how far along you’re in to your policy term. The closer you are to your policy renewal date, the less you’ll have to pay.
Most insurance companies will charge you around 2 to 7% of your premium (usually they’ll take the higher percentage amount if you’re at the start of your term). On an average home policy of $800 a year, the cost to cancel your policy would be around $16 to $56. On the average auto policy of $1,600 a year, it would cost around $32 to $112.
Just as it’s important to know what your policy covers, it’s also important to know what it DOESN’T cover. Depending on where you live or your situation, you may need additional insurance coverage for certain things that aren’t covered by your standard home policy, like:
You only need to purchase hail coverage if you’re a homeowner or own a rental property in Alberta. If you’re a renter or a condo owner in Alberta, it’s already included with your policy. Note: If the roof on your house or detached structure is over 5-years-old and the damage is caused by hail, then depreciation will be applied to the payment for damages to your roof.
For the rest of Canada, hail coverage is included in your standard home policy.
If you use your vehicle to carry explosives (yikes!) or radioactive material, we won’t provide you with coverage. There’s also no coverage under your policy if you use your vehicle as a taxicab (that includes Uber), bus or for sightseeing tours – as in paid sightseeing tours… it’s okay to show your out-of-town cousins the local sites.
Here are some examples of loss or damage that aren’t covered:
General wear and tear
Pick your policy for the full list of what is and isn’t covered.
No (but we’d love a postcard). However, if you’re planning on being away more than two weeks, make sure you have someone stop by periodically and, in the winter, ensure that the heat is on. This is especially important since damage resulting from frozen pipes bursting isn’t covered under your policy if you’ve been away more than 14 days and haven’t had anyone checking on your home.
It might be a good idea. Whether it’s your wedding ring or your original Warhol, you want to be sure your high-value stuff is covered.
To increase your set limits, log in to My Account and click on the policy you want to change. Then select Change Policy. Here, you can increase the set limits you have on your personal belongings. For instance, if you currently have the Basic option ($3,000 per item, up to a total of $10,000), you can upgrade to the next level ($10,000 per item, up to a total of $50,000). There are two more levels you can choose from if you need more coverage.
If these options don’t quite cover it, you can add separate coverage for specific items. This coverage would be over and above your Personal Belongings coverage.
Yes, you can cover your vacation property with a separate homeowner’s policy. If you’re not at your vacation home during the winter, be sure to drain the plumbing system and close the water inlet to keep the pipes from freezing and bursting. If your vacation home has central heating, set the thermostat low enough to conserve energy but high enough to keep pipes from bursting. Burst pipes due to freezing isn’t covered under your policy if you’ve been away from the property for more than 14 days and haven’t had anyone checking on it.
The first thing you need to know is that overland water is fresh water. In other words, it comes from rivers or lakes, or it could be the result of a rain storm or spring run-off.
Overland water provides additional coverage for damage caused by fresh water coming in through your windows and doors at ground level. Some examples include excessive rain, river flooding, spring run-off and melting snow or ice. It doesn’t cover you for damage caused by coastal water (salt water), tsunamis, waves and tidal waves.
Well, it depends. If there are no more than two renters, you’re allowed to rent part of your house out under your standard home policy. Your regular policy also applies if you have one additional unit within your home that’s rented to not more than one family.
If you’re renting out a property separate from your home, our landlord policy will make sure you’re covered if there’s any damage to items that belong to you and the property. Things like major appliances, fixtures or tools (a lawn mower or snow shovel are a couple of examples).
If you have sewer backup coverage, you’re only covered for damage caused by water that backs up through the sewer line into your basement. It won’t provide coverage if water comes in through your windows and doors, or if it comes in through the main level.
That depends. If the lower part of your building is badly damaged, you may need to relocate. In this case, overland water coverage would help cover the additional living expenses you might need. It’s also something to consider if you have items stored on a lower level.
Well, the most common reason is because you’ve filed a claim. If you’ve never filed a claim, it may be because your home has aged or you’ve made significant changes to your home (like renovations). Inflation can also be a factor (darned inflation!). As home repair and equipment costs increase, this can also impact your premium.
You can increase your deductible, but we only recommend this if you know you will be able to pay that higher deductible amount if you have to make a claim.
It’s a good idea. Whether you live at ground level or have items stored on a lower level, you’ll want to be sure that you’re covered if your contents are damaged. Even if you live on a higher floor, you could be required to relocate. Overland water coverage would help cover the additional living expenses you might need.
It’s all about prevention. The more you can do to reduce your potential for loss the better: install smoke and fire alarms, a security system, a sump pump or backflow valve…. any of these are smart investments to protect your family, home, belongings and, of course, your premium.
Earthquake coverage covers loss or damage to your home and personal belongings caused by tremors or shaking from an earthquake. And, in case you can’t live in your home afterward, we’ll also pay for your moving and temporary living costs. One thing to note – this doesn’t cover loss or damage caused by flood or tsunamis triggered by an earthquake.
You should also know that your earthquake deductible (the amount you have to pay) is a percentage of the limit for the coverage you claim. This means that even though earthquakes may not happen very often, when they do your deductible can add up quickly. But it will still be much less than what you’d pay if you didn’t have coverage.
It’s not something we offer at Sonnet at this time. ATVs, campers, snowmobiles, antique automobiles and other recreational vehicles aren’t covered under your Sonnet auto insurance policy.
The short answer is no. Here’s the longer answer: Unlike other insurance companies, we don’t require you to assign a primary driver to any one vehicle. In fact, if your household has three vehicles insured with Sonnet but you’re only listed on one of them, you’ll still be covered should anything happen while driving one of the other vehicles.
Not necessarily. When determining your premium, many insurance companies will assign the highest risk driver to the vehicle that’s most expensive to insure. For instance, if you have a teen driver, they’d be assigned to the most expensive vehicle in your household. Sonnet doesn’t work that way. Instead, we list the drivers on your policy in a way that the highest-risk driver is assigned to the vehicle that’s least expensive to insure. This can help to lower your auto insurance premium.
Auto premiums can increase because of claims, traffic violations or even inflation (darned inflation!). As auto repair and equipment costs increase, this can impact your auto insurance premium.
We’ve come up with a number of ways to help make sure you get the best price on your insurance.
Home insurance savings. Here are the ways you could save on your home insurance:
Exclusive Sonnet Savings. Self-service has its benefits! You’ll save just for purchasing your insurance online. How easy is that?
No Fees. No matter how you’re paying for your insurance, we won’t charge you any pesky fees.
Claims Free. If you’re lucky enough to have been claims-free for five years, you could save.
Multi-Location. When you insure more than one location, you could qualify for a multi-location discount.
Auto insurance savings. There are a number of ways you could save on your auto insurance premium:
Multi-Vehicle. Insuring more than one vehicle with us? Awesome! You deserve a discount for that.
Multi-Policy (home and auto). You’ll save when you insure both your home and your vehicle with us.
Winter Tires (only in Ontario). They’ll keep you safe and help you save on your auto insurance.
Convictions Free. Good driving behaviour deserves to be rewarded!
Well, that depends. If your teen is only learning to drive and can’t legally drive without a licensed accompanying driver, they’re already covered under your policy. Once they can legally drive on their own, you’ll need to add them as an additional driver on your policy.
We get this question a lot! The short answer is no. No Fault is kind of an oxymoron because insurance companies are required by law to find someone at fault in a car accident – fully or partially. No Fault insurance means that if you’re in an accident, you don’t need to sue the other driver for compensation. Instead, you’ll deal with your own insurance company.
Nope. That’s just another urban legend!
It’s definitely a good idea. If your car were stolen or if the storage facility had a fire, you’d want to make sure your vehicle is covered. At the very least, you’d want to have Comprehensive coverage in place (if you live in Quebec, that would be All Perils Other than Collision or Upset coverage).
If you’re just driving your vehicle to travel in the U.S., you don’t need to let us know. If you’re driving outside of Canada/U.S., you may need specialized coverage.
While we love using Uber to get around the city, it’s not something that we offer coverage for at this time.
We're here to help. Call one of our 600 claims professionals any time 24/7 at 1-844-SONNET4. They take your information and guide you through the process.
We want you to get the help you need as quickly as possible. The more information you can give us up front, the better:
A great question. To start, one of our claims professionals works closely with you, going through all the details of the loss and researching the cost to repair or replace any of your damaged property. We may even bring in an expert to help us assess the damage. Then they review your policy to determine how much of your claim can be paid based on your coverage. And if for some reason your loss isn’t covered, we make sure you understand why.
Also, if your home has been damaged as a result of a loss that’s covered in your policy, we may call on one of our approved vendors to help assess the damages.
You want your claim settled as quickly as possible – so do we! How long that takes depends on how severe or complex the loss is. Some claims can be wrapped up in a single phone call. Others might require us to bring in other claims experts.
You can speed things up by providing any necessary forms as quickly as possible, plus any supporting documents (photos, police reports, invoices, receipts…. you get the idea).
Actual Cash Value refers to the replacement cost for an item that’s in similar condition to yours at the time of loss. For instance, if you had a bicycle that was 10 years old, we’d price it based on its age and used condition. The value of the item is reduced because of normal wear and tear over time.
Well, it really depends on the complexity and severity of your situation. For instance, if it’s a simple, straightforward claim, we may be able to send you a payment within 24 hours.
If it’s more complex, you may receive your payment once all of the repairs have been completed, and any lost or damaged items have been replaced. We either pay invoices for you or provide you with a lump sum. Of course, there are always exceptions – your claims professional can assess your situation and advise you.
Not at all! However, we’ve done a lot of research and partnered with only the industry’s best vendors and contractors. We chose them based on their high quality of workmanship, reputation, and financial stability. We also offer a two-year workmanship guarantee for any work done by our partners.
If you or someone else is injured in an accident, please let us know right away. We’ll assign a dedicated specialist who’ll review the details and determine access to the appropriate benefits and/or compensation.
If you’re in Quebec and you’re injured in an car accident, you must report it to the SAAQ.
If you’ve haven’t had an at fault accident for six years, you’ll qualify for accident forgiveness. This benefit is included in your Sonnet auto insurance policy whether you’re new to us or we’ve known you for a while.
It really depends on your specific situation, past claims history and other factors. One impact could be that you wouldn’t qualify for our claims-free discount. The true impact of your claim on your premium won’t actually be known until renewal time.
It depends on your specific situation. Your claims professional can explain your settlement amount at the time of payment.
Let’s say you have an accident and it turns out you’re at fault. If you’ve qualified for accident forgiveness, your rate won’t increase because of the accident (after all, even the best drivers can make a mistake).
A couple of things to note – accident forgiveness only applies to your auto insurance policy, it doesn’t mean you won’t get demerit points and it won’t protect you from being charged if you’ve broken the law. Also, if you move to a new insurance company, the accident that was forgiven by Sonnet may be counted, which could result in a higher premium (it all depends on the insurance company).
It depends on what the items were. If it was something that was actually a part of your vehicle (for example, a stereo or hubcaps), it would be covered under your auto insurance policy if you purchased the appropriate coverage. However, if you had your gym bag or a laptop stolen from your vehicle, you’d make a claim under your home insurance policy.
It doesn’t happen a lot, but if your claim was denied it’s probably because the loss doesn’t fall within the terms of your insurance policy. Your claims professional will discuss this with you.
Only if you’ve purchased our Rental Costs coverage (aka Rental and Travel Costs coverage in Quebec) – this includes Loss of Use coverage that covers the cost of a rental vehicle while yours is being repaired.
If you were not at fault, or only partially at fault for an accident, Loss of Use coverage is provided for you under your Collision – Not Your Fault coverage for the per cent you were not at fault. This applies in New Brunswick, Nova Scotia, Ontario and P.E.I.
Think of it this way – if you’re lending your vehicle, you’re also lending your insurance. As the owner, you’re responsible for any damage or injuries your vehicle causes. Also, you could have a clean driving/claims history but if you lend your car to someone and they get into an accident, it’s your driving/claims history that’s going to be affected.
If you’re involved in a hit and run accident, be sure to report the incident to the police within 24 hours. If the police tell you that the damages are too minor to report, take down the officer’s name, badge number and phone number. You’ll then need to call us at 1-844-SONNET4 (1-844-766-6384).
We want you to be glad you chose Sonnet. So if you’re not happy, call 1-844-SONNET4
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Right now, we offer our home and auto insurance to residents of Alberta, Ontario, Quebec, New Brunswick, Nova Scotia and P.E.I. In B.C., we offer home insurance only. Unfortunately, we’re not able to service Saskatchewan, Manitoba and Newfoundland at this time.