Insurance claims made easy

Our claims professionals are here to help, 24/7.

Make an Auto Claim
Make a Home Claim

When you need to make a claim, we’re here to help

Sonnet may be a digital company, but when it comes to making a claim, we’re just a phone call away – 1-844-766-6384. Your dedicated claims professional will work closely with you to make your experience as simple and stress-free as possible. Our hassle-free service program guarantees the quality of your repairs. And with 24-hour emergency service, we’re here when you need us most.

Our claims process
Home insurance claim

Filing a home insurance claim with Sonnet is easy and it starts with just a phone call. Our claims professionals will gather all the information needed to start your claim and walk you step-by-step through the process. We can also set you up with a pre-screened contractor, which simplifies the process of estimates and guarantees the work for 2 years.

Learn more about how to file a home insurance claim with Sonnet.

Auto insurance claim

Call us 24/7 to start your auto insurance claim with Sonnet. Our claims professionals will gather all the information needed to start your claim and walk you step-by-step through the process. We can also help you find a local pre-screened repair shop and set up your rental vehicle (if you’re covered). Plus, if you use one of our pre-screened repair shops, body, part and paintwork is guaranteed as long as you own the vehicle.

Learn more about how to file an auto insurance claim with Sonnet.

Pet insurance claim

Having a sick or injured pet can be very stressful. Filing your pet insurance claim takes just 3 easy steps: 

  1. Download the claim form(s).
  2. Have your vet fill in the required sections. 
  3. Submit the forms and receipts via your online account, by sending them in an email, or through regular mail. 

Learn more about how to make a pet insurance claim.

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 auto claim, we’re here to get you the help you need as quickly as possible.

Customer satisfaction

With a 91% customer satisfaction score, Sonnet has some of the highest ratings in the business. Plus, our hassle-free claims promise guarantees the quality of your repairs when you use our pre-screened vendors.

Towing and roadside assistance

Sonnet provides 24-hour tow assistance after an accident – Canada-wide. Remember, you have the right to decide who can tow your vehicle and to what location. Learn more about your towing rights.

Certified partners

Claims are already stressful enough. Finding a repair shop or contractor you can trust doesn’t have to add to that. Our network of Canada-wide certified vendors guarantees the quality of your repairs, and prompt, friendly service – from start to finish.

“From the moment we joined Sonnet, we felt protected. We were fully covered for damages to our vehicle and couldn’t be happier with the repair outcome. The process was a breeze!” “We recently made a claim and they were FANTASTIC to deal with. Great job Sonnet!” “I was initially nervous about dealing with my first ever insurance claim, but the team at Sonnet made things very simple and painless.”

Still have questions about claims?

Check out some of our frequently asked claims questions and blog content. Already filed a claim? Don’t worry, your claims professional will guide you through the process and answer all your questions.

What information do I need to provide when reporting a claim?

We want you to get the help you need as quickly as possible. The more information you can give us up front, the better:

  • Your policy number – we’ll need this when you first call to make your claim
  • Photos
  • Police reports
  • Correspondence relating to the claimed event
  • Names and contacts of any service providers you used to assist you
  • Invoices for any out-of-pocket expenses
  • Receipts for lost or damaged items
  • Contact information, namely phone numbers where you can be reached
How will my claim affect my premium?

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.

How is the amount of my claim determined?

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.

Your home policy. 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 certified partners to help us assess the damages.

Your auto policy. We'll have the damage to your vehicle assessed by a licensed appraiser or certified body shop to determine whether or not it can be repaired. If the vehicle is repairable, it will be repaired based on the approved estimate. If it's not repairable, we'll give you the Actual Cash Value.

How long will it take to settle my claim?

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).

The Sonnet customer satisfaction score is based on the average survey results of Economical Insurance respondents between January to December 2018.