Car Insurance in Ontario: Protect your vehicle

Are you planning on using your car for Uber or Lyft? How about as a restaurant delivery driver? If the answer’s yes, your car will NOT be covered by Sonnet auto insurance. Sonnet offers personal auto insurance policies, and only covers personal use – like when you use your car to drive to and from work.

Using your vehicle to carry paying passengers or make deliveries is considered business use and is NOT covered by your policy. This includes, but is not limited to Uber, Lyft, Uber Eats, or any other similar ridesharing or delivery service. Learn more about how to get coverage if you drive for Uber or Lyft.

Once you've purchased your car insurance, we’ll send you an email with a link to activate your Sonnet account. Your pink slip and proof of insurance will be accessible directly through your account dashboard. Here you can also get the steps to add your eSlip right to your phone’s digital wallet.

If you would like to download an eSlip, here are the steps to add it to your phone:

1. Download the Sonnet Insurance app from the App Store (iOS) or Google Play store app (Android).
2. Log in to your account in the app using the same email and password you set up for your Sonnet account.
3. For first-time users, tap the ‘Get your eSlip’ banner over the ‘More’ tab. Agree to the terms and conditions for eSlips. Choose your vehicle (for single policies) or choose your policy then vehicle (for multiple polices).
4. eSlips will automatically update in your digital wallet app after a policy change or renewal. If you notice that it hasn’t automatically updated, tap on the ‘More’ tab, then tap ‘Pink Slip’. Choose your vehicle (for single policies) or choose your policy then vehicle (for multiple polices).
5. Your eSlip will automatically be added to your phone’s digital wallet.

Heads up! If you are an iOS (iPhone) user, the Background app refresh setting must always be turned ON. This setting allows eSlips to automatically update when you make a policy change or renew your policy.

Follow these steps to turn this setting ON:

1. Go to your iPhone Settings and scroll down until you see the Sonnet Insurance App.
2. Simply tap the Background App Refresh toggle, so it is ON (green).

Want to view your physical pink slip in your account? Follow these steps:

1. Log in to your account and click on the ‘Easily access your digital pink slip’ card.
2. For single policies click ’Download’. For multiple policies, choose your policy number and then click ‘Download’.

We’ll also send you a hard copy of your pink slip through the mail (which takes about 5 business days).

Haven’t received your liability slip in the mail? First, double check the mailing address listed on your account. You can do this by signing into your account and selecting Settings. If your mailing address is incorrect or you would like to request a new pink slip be mailed, contact us.

The Ontario government sets out required coverages and approves pricing for auto policies. In some, you can also purchase your insurance from the province. In Ontario, you purchase your car insurance through a private insurer.

With Sonnet, you can get an auto insurance quote online in minutes. All you’ll need is your driver’s license number, vehicle identification number (VIN) and the answers to a few simple questions. We do the rest of the work for you!

Here’s how it works:

1. Provide us with info about your vehicle and yourself. We’ll need some basic info, like your car’s year, make, model, and VIN. Plus, we’ll ask about your address, date of birth, and driver’s license. If there are other drivers in your household, we need their info, too.
   
   
2. Select your auto insurance discounts. Chances are, you’re eligible for savings with Sonnet. We offer car insurance savings to grads of most Canadian Universities and Colleges. We also give discounts to our partnered organizations. These include unions, employers, and more.
   
   
3. Select your policy type. Sonnet offers both traditional and behaviour-based car insurance in Ontario. If you’re a safe driver, you could save up to 35% on your auto insurance policy with Sonnet Shift.
   
   
4. Customize your coverage. Your Sonnet auto insurance quote will always include Canada’s mandatory car insurance coverage. From there, it’s up to you to customize your policy! Add extra protection like our Enhanced Protection Bundle, which includes two staple rental car coverages (and a whole lot more). Before you buy, review your quote to make sure you’ve got what you need. If you’re leasing or financing a car, your lessor or financing company may require certain coverages on that vehicle.
   
   
5. Buy now or later. Ready to get your Ontario auto insurance? Once you have your quote, you can sign up for instant coverage. If you still need to think about it, we’ll save your price for 45 days or until the effective date you chose – whichever comes first.

With Sonnet, it’s easy – you can do everything right from your phone! Report a car insurance claim directly from your Sonnet account or over the phone, 24/7. To do it online, first make sure you’ve got the info you need to start your claim. Then, log into the Sonnet app and simply follow the steps to file your claim online. Prefer to speak with someone? Just contact us.

We know claims can be stressful. We’re here for you. You can chat with one of our Claims team members if you have any questions during the claims process. To do so, make sure you log into your account first.