What is Sonnet Shift?

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Sonnet Shift is our usage-based insurance program that puts drivers in control of their car insurance premiums.

Using an easy-to-download app on your smartphone, we track and collect your driving behaviours for every trip you make. We’ll review the collected data from the last 90 days and use that information to calculate your auto premium for the next three months, at your quarterly Sonnet Shift Adjustment. Based on your review, a discount or surcharge is applied.

What determines whether you get a discount or a surcharge on your premium?

It’s simple – you’re rewarded for safe driving habits with savings on your premium, while riskier driving could result in a surcharge (which means you’ll be paying more). This is why we want to see you drive your best – so you get the most savings possible!

Here’s how we determine the price of your Sonnet Shift premium:

A one-time Enrollment Discount
Driving Score and Driving Result
Mileage Contribution
Mileage Discount

Heads up! Your Mileage Discount is evaluated annually at renewal.

Click the links above to learn more about each of these, and how they could impact your premium. Have questions about Sonnet Shift? Contact us – we’re happy to help.

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. Alberta auto insurance quotes can be obtained by emailing us an application, and eligible customers can bind online. Unfortunately, we’re not able to service Saskatchewan, Manitoba, Newfoundland & Labrador and the territories, or B.C. auto insurance customers at this time.

*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 Pet Insurance is underwritten and distributed by Petline Insurance Company. Petline Insurance Company is an affiliate of Sonnet. 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.

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.

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