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What you need to know about Sonnet Insurance

Learn about one of Canada's first buy-online insurers - Sonnet Insurance. Find out if their auto & home insurance products are right for you.

About Sonnet Insurance in Canada

Founded in 2016 under its parent company, Economical Insurance, Sonnet was Canada’s first entirely online auto and home insurer. As a Canadian insurance company, its mission is to provide an easy, transparent, and customized method of purchasing insurance policies online for Canadians. Currently, Sonnet Insurance offers various types of coverage including, auto, home, condo, tenant, landlord, and pet insurance.

How to get a Sonnet Insurance insurance quote

  • Step 1: Share some information

    Start by telling us a little about yourself and your insurance coverage needs.

  • Step 2: Compare the rates

    We'll show you how Sonnet Insurance insurance quotes stack up against other top insurers.

  • Step 3: Enjoy the savings

    Whether its Sonnet Insurance insurance or another insurer, you can choose the best rate for you.

Why choose Sonnet car insurance?

As a fully online insurer, you’ll be able to quote, purchase, and manage your car insurance policy digitally. The company also has a 91% customer satisfaction score and offers 24/7 services for claims and towing.

Optional coverages


Accident forgiveness

Prevents your rate from increasing after an at-fault accident, provided you’ve been free of any in the last 6 years.  

Ticket forgiveness

Prevents minor tickets from increasing your auto insurance rate when it’s time to renew your policy (not available in Quebec and New Brunswick). 

Rental extension bundle

Includes: rental costs, non-owned vehicle coverage

Rental costs: Covers the cost of renting a temporary vehicle after a collision or claim (not available in Quebec). 

Non-owned vehicle coverage: Covers the cost of damage to a car that is borrowed or rented. 

Vroom service bundle

Includes: roadside assistance, new/used vehicle replacements, hit-and-run deductible waiver

Roadside assistance: Provides a maximum reimbursement of $50 for emergency expense use.  

New/used vehicle replacements: Omits the depreciation adjustment if your car needs to be replaced by another. 

Hit-and-run deductible waiver: Waives your deductible during hit-and-run claims (up to $1000). 

Collision insurance

Covers the cost to repair or replace your car if you hit an object or another vehicle. 

Comprehensive insurance

Covers the cost to repair or replace your car from non-collision damage, such as theft, fire, vandalism, weather, and earthquake. 

Searching for the cheapest car insurance? is here to help you compare rates from some of Canada's top auto insurers to help you find your best rate and save you money all at the same time.

Why choose Sonnet home insurance?

Sonnet Insurance offers customized protection policies for homes, condos, tenants, and landlords with special discounts for bundling your auto insurance or multiple properties.

Sonnet Insurance offers various types of homeowner’s coverage, including home insurance, condo insurance, tenant insurance, and landlord insurance

Some optional coverages you may want to consider adding to your policy are:

Optional coverages


Identity theft

Covers those listed on your home policy in the event your identities are stolen by paying for legal fees and replacement expenses. 

Sewer backup 

Covers damage to your home caused by water backup from sewers, sumps, septic tanks, or floor drains (eligibility for coverage varies by location). 

Overland water

Covers you financially from home damage caused by ground-level freshwaters, such as rain, run-off, melting snow  (eligibility for coverage varies by location). 


Protects your home and its contents financially from earthquakes (contingent on location). 


Protects your home and its contents financially from hail (contingent on location). 

Above and beyond coverage (home and condo)

Includes: first claim forgiveness, replacement cost guarantee, enhanced deductible waiver 

First claim forgiveness: Prevents your premium from increasing after your first claim. 

Replacement cost guarantee: Gives you the option to settle claims at a replacement cost, even if you’re not planning on repairing or replacing your damaged contents. 

Enhanced deductible waiver: For claims of $10,000 or more, your deductible can be waived (does not include earthquake claims). 

In the market for home insurance?

Check out's home quoter to compare rates for free online in less than five minutes. See how much you can save today.

Frequently asked questions about Sonnet insurance

Does Sonnet offer life insurance?

How do I submit a Sonnet insurance claim?

What is Sonnet Insurance’s contact number?

Who owns Sonnet Insurance?

Does Sonnet Insurance cover Uber and Lyft drivers?

Who underwrites Sonnet Insurance?

Is Sonnet Insurance good?

Matt Hands, Business Director of Insurance

With 6+ years of experience at, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read full bio

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