FLO members who bundle could save an average of $421

Get an exclusive discount* as a FLO member and bundle your home and auto insurance to save even more.

Get your home and electric vehicle insured with Sonnet

We’ve teamed up with FLO to give you access to Canada’s first fully online insurance company and exclusive savings. Just answer a few simple questions and we’ll provide coverage options and a price built just for you!

Getting your exclusive FLO member discount* is easy. Start a quote and type FLO (Members) in the group or association field. Use your FLO account card number found in the My Cards section in The FLO mobile app as your Member ID – your discount will automatically be applied. Bundle your home and auto insurance and you could save even more. The price you’re quoted is final. There are no hidden fees or follow up calls. Just click, review and buy online.
Save with Sonnet home and auto insurance

Quote & buy online

Sonnet is Canada’s first fully online insurance company. Answer a few simple questions, customize your coverage and buy securely online. Login anytime to manage your account, access policy documents and more.

Customer satisfaction

Online doesn’t have to mean on-your-own. Our award-winning Insurance Advisors are here to help. Email, chat or call our fully-licensed agents and experience our 91% customer satisfaction score for yourself.

24/7 claims support

With 600 claims professionals and a network of certified partners across Canada—we’re always here when you need us. Plus, our hassle-free claims promise guarantees the quality of your repairs when you use our pre-screened vendors.

Added value

Sonnet Connect is here to help protect the things that matter most. Get access to helpful information and a suite of services to simplify your life from our partners. Plus, take advantage of exclusive discounts, promotions and offers.
Save with Sonnet home and auto insurance
Still have questions about group discount?
I already have a Sonnet insurance policy. How do I add a group discount?

If you’re already a Sonnet customer, you can easily add your group discount online in a few steps:

  1. Log in to your account.
  2. Select the policy you’d like to add a Group Discount to.
  3. Select Add Group Discount.
  4. In the screen that appears, search for the name of your Group or Association and select it from the suggestions that appear.  We’ll ask for your group ID to confirm your eligibility.
  5. If you are an alumni of a Canadian University, you can also search for the name of the Canadian University you graduated from and select it from the suggestions that appear.  We’ll ask you for your graduation year to confirm your eligibility.
  6. Click Add Group.
  7. Review your policy change and any impact to the price of your policy over the remaining policy term. Click Update Policy.
  8. Your policy has been updated with a Group Discount. Review your updated policy payment schedule for changes to the amount of your payments.

Your group discount will automatically be applied to the selected policy. If we’re unable to verify your eligibility, then the discount will be removed.

If you have multiple policies with Sonnet, repeat the steps above for each policy to add a qualifying group discount.

We can help around the clock. Chat with our Advisors Monday to Friday from 8 a.m. to 6 p.m. ET. Need help after hours? Email us and we’ll reply within one business day. Our chatbot is also available 24/7.
How do I qualify for a group discount?

To qualify for a group discount, you or your spouse need to be an alumni or a student of an eligible Canadian University, member of an eligible association, an affinity partner or an employee/retiree of a sponsored company. When you add your discount, we’ll also ask for a group ID. We’ll use the information you’ve provided to confirm your eligibility.
How do I add a group discount?

Adding a group discount is easy. 

  1. Look for the Group Discount field when getting a home or auto quote. You can quickly search for the name of your group or association and select it from the suggestions that appear. We’ll ask for your group ID  to confirm your eligibility. 
  2. If you’re a university alumni or student, look for the Canadian University field. Quickly search for the name of your university. As a university alumni or student, you may be eligible for a group discount. We’ll ask you for your graduation/expected graduation year to confirm your eligibility.
  3. Click Continue. 
  4. That’s it! Your group discount will automatically be applied to your quote. If we’re unable to verify your eligibility, then the discount will be removed.

Already have a Sonnet insurance policy? Learn how to add your Group Discount.
How do I know if my discount has been applied?

During your home or auto quote, start typing and select your group from the dropdown, then enter your group ID. You’ll see a “Discount applied” notification appear throughout the quote flow. We’ll use the information you’ve provided to verify you are a member and automatically apply your discount.
How do I get my group ID?

Your group ID will be your FLO account card number which can be found in the My Cards section in The FLO mobile app. We use your group ID to verify your group discount eligibility.
Do I have to own an EV (electric vehicle) to qualify for the FLO member discount?

Yes, you or your spouse must have at least one EV vehicle on your auto policy to qualify for the FLO member discount.
Helpful articles and tips

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

FLO and Sonnet have a commercial alliance.

Average savings of $421 annually, is calculated on a national basis (excluding Manitoba, British Columbia, Saskatchewan, Newfoundland and Labrador, Northwest Territories, Yukon, and Nunavut) of current bundled property and auto Sonnet policies as of January 2020, and includes affinity discount.

The 5 minutes to get insured is based on the average Sonnet customer experience.