Safe drivers save up to 35% on auto insurance
With Sonnet Shift usage-based insurance, you’re in control.
You’re a good driver – why not be rewarded for it? But, safe driving is more than just obeying the speed limit. Committing to
We think you deserve perks for driving less, too! Fewer kilometres on the road means you’re less likely to get into an accident. Walking, biking or taking transit is also more eco-friendly. That’s why we offer an additional
It’s easy! Making safe decisions at the wheel plus less time spent on the road equals big savings for you. Maintain a high
Sign up for Sonnet Shift and help support climate action
Sonnet Shift encourages safe driving behaviours that are also eco-friendly. But that's just the start of our commitment to going green. Along with our
To calculate your auto insurance premium, Sonnet Shift looks at three key factors to evaluate how you drive, when you drive and how much you drive.
The Sonnet Insurance app tracks the kilometres throughout your entire policy term, for each driver enrolled in Sonnet Shift. Each driver’s
Heads up! Even though Sonnet Shift puts you in control of your car insurance premium, we still look at traditional rating factors like where you live, your driving record, your past claims, and other information about you (like your age).
Remember, every three months we give you the opportunity to earn a better discount! Be sure to keep tabs on your Driving Score and use the tips provided to continually improve your driving.
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!
Learn how your
Discounts or surcharges will be applied to any drivers that are enrolled in Sonnet Shift. If you’re eligible and qualify for the enrollment discount, Driving Result, and the Mileage Discount they will be applied to the following coverages:
- Accident Benefits
- All Perils
- Comprehensive or Specified Perils
- Uninsured Automobile Coverage
Discounts are not applied to endorsements or Family Protection Coverage.
Have more questions about your Driving Result? Want to know more about the Mileage Discount? Not sure how the Enrollment Discount applies? You can contact us – we’re here to help! Or, read our handy FAQs for instant answers:
Driving Result Mileage Discount Enrollment Discount
How do I qualify for the Mileage Discount?
To qualify for the Mileage Discount on your next renewal term and to remain eligible for the discount:
- ALL eligible drivers (including Secondary Drivers) assigned to the enrolled vehicle must be enrolled in Sonnet Shift
- You must enroll in Sonnet Shift during the first eight months of your policy term
- Your annualized mileage must fall within a set kilometer band below:
- 1-5,000 km driven = 10% discount
- 5001-7,500 km driven = 5% discount
- 7,501-10,000 km driven = 2.5% discount
- >10,001 km driven and above = 0% discount
What is my Projected Annual Mileage?
The Projected Annual Mileage Discount (which you can view on your Dashboard in the Sonnet Insurance app) shows how many kilometers the app predicts you’ll drive over the course of the policy term, based on how many you’ve already driven. It’s updated once a week, every Sunday. This isn’t set in stone, though, since it depends on how much you drive.
What is my Projected Mileage Discount?
The Projected Mileage Discount (which you can view on your Dashboard in the Sonnet Insurance app) shows the percentage discount you’re on track to receive on your next renewal term! It’s also updated once a week, every Sunday. Like the actual number of kilometers you drive, this is subject to change based on how much you drive.
What is your Mileage Contribution?
Sonnet Shift tracks the kilometers that all enrolled drivers of your vehicle(s) drive throughout your entire policy term. We use this to compare how often each driver enrolled in Sonnet Shift drives. In the app, this is called your Mileage Contribution. Quarterly, your Mileage Contribution is used as one of the factors in calculating your premium.
Did you know? If you’re the Primary Named Insured, you’ll be able to track the Mileage Contribution of all enrolled drivers. This way, you know who’s driving the most. Handy if you’re the one paying for gas!
How is your Mileage Contribution calculated?
When you first enroll in Sonnet Shift, we ask you to tell us who drives each vehicle the most (the Primary Driver). We also ask who drives each one less (the Secondary Drivers and/or Young Drivers). These details help us determine your premium from the moment you sign up.
Then, throughout your policy term, we track your actual mileage. We compare the mileage for each individual driver with the total mileage of all drivers assigned to a vehicle. This gives us a percentage that we call your Mileage Contribution. Every 3 months from the start of your policy, we use this as a factor in adjusting your premium.
The easiest way to look at Mileage Contribution? Think about the breakdown of your hydro bill. The usage may change and could result in a higher or lower premium for each driver on your next Shift Adjustment.
Do unenrolled Secondary Drivers contribute to your Mileage Contribution?
We can’t track the Mileage Contribution of unenrolled Secondary Drivers. That’s why we assign them a combined Default Mileage Contribution of 20%. The total Mileage Contribution for all drivers on the vehicle equals 100%. The 80% left over will be distributed among enrolled drivers based on their tracked Mileage Contribution.
Heads up! Your Mileage Contribution is slightly different than your
If you have
We calculate your Driving Result based on your overall
To see how you’ve been doing behind the wheel week over week, you can view your Projected Driving Result for the upcoming Shift Adjustment in the Sonnet Insurance app. It’s based on your current score and updated weekly based on the last 90 days. It will help you see how you’ve been driving so you can keep getting better – and save money in the long run.
Need some tips on how to be a safer driver? Just check your score breakdown for advice that’ll help you improve your driving.
Heads up! The Driving Result discount or surcharge will be applied to all coverages on your policy except for
The enrollment discount is our way of saying thank you for signing up with Sonnet Shift! And this means more money in your wallet. If this is your first time enrolling in the program, you’ll receive a one-time enrollment discount, which automatically saves you 10% on your premium. Once you’ve taken at least 20 trips and driven 300 kms, the enrollment discount will be replaced by your
If you haven’t taken at least 20 trips and driven 300 km, the enrollment discount will remain for one more quarter (3 months). But the enrollment discount won’t last forever! It’ll be removed on your next quarter. So, take a drive every now and then to make sure you meet the minimum trips requirement.
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