Could using Sonnet Shift potentially raise my insurance rates? If yes, how much is the surcharge?

Could using Sonnet Shift potentially raise my insurance rates?

Yes, unsafe driving behaviour could increase your premium up to 30%. Plus, poor driving isn’t only dangerous to yourself – it’s dangerous to other people. But there’s always room to grow!

We know no one wants to see a rise in their insurance, but the good news is that most drivers save money during their first year in the program.

Here is the percentage of customers that receive discounts and surcharges based on driving behaviour in their first year.*

85% Get a Driving Result discount
12% Get a Driving Result surcharge
3% Don’t get a Driving Result discount or surcharge due to a neutral driving score

Learn how your driving scores and discount (or surcharge) are calculated and find out how to improve your score with helpful safe driving tips we give you in each section.

*Percentages are based off the driving results of enrolled drivers as of January 2025

Policies underwritten by Sonnet Insurance Company except for Sonnet Pet Insurance. Sonnet Insurance Company is registered with Autorité des marchés financiers as a property and casualty insurer (Reg #: 2000434353) and damage insurance agency (Reg #: 505190). Contact Sonnet in either capacity via chat, electronic note, or by logging into the customer portal at https://www.sonnet.ca/contact-us.

Bundling discount reflects the best possible savings a customer could receive by bundling their home and auto coverage. Depending on your quote details, you may not be eligible for a discount.

Sonnet Pet is distributed under a distribution network agreement by Sonnet Insurance Company and is underwritten by Petline Insurance Company. Products are available to residents of B.C., Alberta, Ontario, Québec, New Brunswick, Nova Scotia and P.E.I. and provide coverage to eligible pets. All coverage described is subject to the terms, conditions, limitations and exclusions contained in our Policy Wordings. In the event of a discrepancy, your policy wording governs.

*Complimentary one-year membership to TELUS Health Virtual Care is available to the primary named insured on a Sonnet property or auto policy. Offer is limited to one Sonnet account with at least one active home or auto insurance policy. The primary named insured’s partner, spouse and any dependents under the age of twenty-six may also use the TELUS Virtual Health Care membership. Offer does not extend to the purchase of a Sonnet Pet Insurance policy. Offer is not available to residents of New Brunswick. Note that controlled substances cannot be prescribed by TELUS Health Virtual Care.

Sonnet Insurance offers online home and auto insurance to residents of Ontario, Quebec, New Brunswick, Nova Scotia and P.E.I. In B.C. and Alberta we offer online home insurance. Unfortunately, we’re not able to service Saskatchewan, Manitoba, Newfoundland & Labrador and the territories, or Alberta or B.C. auto insurance customers at this time.

Always refer to your insurance policy for information about your coverage, including limits, deductibles, and exclusions. In case of discrepancy, the insurance contract prevails over general information available on this site. Any policy related changes made on this site will not be effective until you receive confirmation.

Sonnet Shift is a trademark of Definity Insurance Company and/or its affiliates. Sonnet Shift is only available to residents of Ontario, and Québec.