Home & auto insurance for FLO members

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.

Adding a group discount is easy. 

1. Look for the Group Discount field when getting a home or auto quote. Simply click “Employer or Association” and quickly search for the name of your employer, 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 or college alumni or student, click Canadian University or Canadian College. (If you’ve graduated from both, you can add both discounts and we’ll apply the one that gives you the best savings!) Quickly search for the name of your university or college. We’ll ask you for your graduation/expected graduation year to confirm your eligibility.
3. Click Add Discount. 
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.

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. Simply click “Employer or Association” and quickly search for the name of your employer, 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’re a university or college alumni or student, click Canadian University or Canadian College. (If you’ve graduated from both, you can add both discounts and we’ll apply the one that gives you the best savings!)
6. Click Add Discount.
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 agents 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.

To qualify for a group discount, you, or your spouse, need to be a graduate or a student of an eligible Canadian university or college, a member of an eligible association, or a partner, participating benefits provider, employee or retiree of an eligible organization.

When you add your discount, we’ll also ask for a group ID. We’ll use these details to confirm your eligibility and automatically apply your discount.

We want to help you save money on your insurance – that’s why we offer discounts for 2000+ organizations! But being eligible for discounts isn't the only way to keep your premiums low. By understanding how home and auto insurance rating factors work, you’ll learn what steps you can take to get a more affordable premium. It’s easier than you think.

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.

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