Sonnet Insurance

Sonnet Insurance

Sonnet Insurance is part of the Economical Insurance group which was established in 1871, and has a very experienced and diverse underwriting team. Sonnet Insurance’s presence is online only, and benefits from what the latest technology has to offer.

Sonnet Insurance
Founded 2016
Parent Organization Economical Insurance
Headquarters Waterloo, Ontario
Employees 51 – 200
Insurance Products Homeowners, Condo, Tenant, Landlord, & Auto Insurance

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Get an Insurance Quote Today

Prefer to speak with a broker? We have more markets and more choice than any other broker in Ontario. Call Mitchell & Whale: 1-800-731-2228

Company Overview

Sonnet offers auto, home, tenant, condo, and landlord insurance. They have a team of call center associates available to answer questions, and customers can also call on their broker for help and information. Thanks to Sonnet’s unique online business model, they can offer better coverage at a lower cost for all their customers.

Customers use Sonnet Insurance for its:

  • Simple online interface that makes managing an account easy
  • Lower premium rates made possible by the low costs associated with being an online business
  • Ability to deliver truly customized service thanks to its advanced Internet applications
  • Straightforward approach to explaining insurance and taking claims

Sonnet’s Strengths

Sonnet Insurance specializes in fast service for claims and account management. Sonnet Insurance uses its online business approach to offer advantages such as:

  • Precise Premium Calculations – Sonnet Insurance uses the data it collects from its clients to help create more precise insurance premiums. For example, the company collects up to date information on customer neighborhoods including recent claim amounts, crime levels, and numbers of claims, and uses that information to develop more accurate premiums.
  • Truly Personalized Service – The customers of Sonnet Insurance get real information about their specific coverage when they review their accounts online. Information regarding a customer’s driving habits can help lower auto insurance premiums and help that customer to learn how to be a safer driver. The information Sonnet Insurance delivers does more than make insurance easier, it helps customers to improve their lives.
  • Effective Smartphone App – Internet access through smartphones is growing, and Sonnet Insurance has an app that helps customers stay updated on their insurance coverage. The company’s app allows for complete access to all parts of a customer’s account, and it also offers the same interactive features as the desktop website.

Sonnet’s Insurance Products

Sonnet Insurance deals mostly in personal lines of insurance, with products for income property owners as well.

Auto Insurance

Sonnet car insurance policies include standard coverage such as liability, collision, accident benefits, and accident forgiveness. Along with those standard areas of coverage, the company offers options such as:

  • Rental vehicle coverage
  • Ticket forgiveness
  • Coverage based on the replacement value of your vehicle
  • Roadside assistance
  • Hit-n-run deductible waiver

Home Insurance

Home insurance coverage includes liability, full sewer backup, overland water coverage, actual replacement costs, and hail coverage. Coverage options are:

  • First claim forgiveness
  • The ability to settle claims at replacement cost even if you do not replace the item
  • A deductible waiver for claims of $10,000 or more (earthquake claims not included)
  • 100 percent replacement costs guaranteed
  • Claim settlements that include additional funds to use environmentally friendly materials and construction methods

Condo Insurance

Condo insurance from Sonnet is similar to the home insurance, but there are a few coverage options offered that are specific to condos. They are:

  • Condo special coverage that does not rely on unit contingent coverage to protect your investment
  • Condo owners do not need a separate policy if they rent their condo out to tenants for parts of the year

Tenant Insurance

Tenant insurance has the same standard coverage as property insurance. The special options for renters include:

  • Coverage to pay for accommodations while your rental unit is being repaired
  • Coverage for any upgrades you make to your rental unit

Landlord Insurance

Sonnet Insurance offers excellent coverage for landlords who want to protect their properties from the unexpected acts of tenants. The standard coverage features for landlord insurance are the same as for property owners, but landlords get extra options such as:

  • Insurance that pays you any rent you would lose while your property is being remodeled, repaired, or even replaced
  • Replacement costs for 100 percent of the cost of your property


Get a Quote

Get an Insurance Quote Today

Prefer to speak with a broker? We have more markets and more choice than any other broker in Ontario. Call Mitchell & Whale: 1-800-731-2228

Sonnet Insurance
Claims: 1-844-766-6384

Sonnet Insurance Reviews

Rated 1.5 stars
1.5 / 5 (62)

20%


  • Savings
    User: 34%
  • Application Process
    User: 43%
  • Claims Process
    User: 24%
  • Rate stability
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  • Document delivery
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Jorge
Rating: 1
1 /5 stars

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Don't buy from SONNET insurance!!

on 2020-09-16 22:55:26

Activated a home insurance policy with Sonnet online on July 14th 2019. One year policy. All payments taken by Sonnet on date agreed via CC until final payment, end of policy. I receive a renewal of policy email with a higher premium then I had agreed to for the prior year. The amount higher was not acceptable and without justification. I called to inform them I would not be renewing and to ask with such a hike. The explanation was my neighbor may or may not have put a claim. The explanation was satisfactory to me and I voiced that to them. I was under the impression that as I had not agreed to the hike that the policy would not be renewed. I received another email on June 12 from sonnet saying the policy has been renewed. I called again to find out what was going on when I received another email that I was owing $252.16, I called and I was told that I was in arrears. I told them I'm not paying the hike and that if they kept the policy at the rate we had agreed I would continue the policy for another year. They informed that I was not able to change the policy and I could not cancel as I was not in good standing. I explained I had been in good standing throught they year I was insured and had agreed to the terms. On August 20th and 27th I received emails saying they would cancel the policy. I had already told them I did not renew in the first place. When I said cancel it do what ever you must do but I will not do business with Sonnet again. For unethical practices. On September 8th I received another email saying the policy had been cancelled. On September 9th I got another email from Sonnet telling me they would attempt now to take $414.53 on September 23rd and if the payment did not go through they will send to collection agency. I called on September 16th to resolve the matter again and asked for the recording of the conversation as per the freedom of information act. The company refuses to act in accordance with better business practices.



Eddie
Rating: 1
1 /5 stars

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Don't buy from SONNET insurance!!

on 2020-09-16 22:07:48

Not transparent. After advising them that the astronomical hike in premium from previous year on my home insurance is unacceptable and after contacting them numerous times to inform them I'm not in agreement of the hike. You will not allowed to stop an auto renewal to be activated at their discretionary unacceptable price gauge . Their excuse for the hike is other property owners in the area may have placed claims on their insurance. So you are penalized. The would not allow me out of payment and I had to change my CC. Finally they cancelled the insurance and now they are threatening me with credit collection even though I've been in good standing. Stay away from this company that during a Pandamic has the audacity to treat people so negatively. Its a money Crab!!



Debra
Rating: 1
1 /5 stars

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Worst company ever. Can never get a hold of anyone. They do not respond to emails. Will not provide the managers name or contact information to make a complaint or voice a concern. Stay away from them. I have emailed 22 times since april, have tried the chat box, it says an agent will be with you shortly, waited over 2 hours before I had to leave. This has happened several times. This is a joke company, not even sure if it is legitimate. I will definitely be looking elsewhere when my policy is up.

on 2020-08-26 12:21:05

There is no one to speak with. They ask you to email, you email day after day, month after month and never get a response. Thus is a horrible company with piss poor customer service. Avoid them at all.costs



Louise
Rating: 2
2 /5 stars

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Price Increases Each Year

on 2020-08-20 10:58:34

I liked that everything with them was online based easy to set up, add banking etc. Premiums were good in the beginning but after first year it increased by $30/month. Nothing changed with me, no tickets, no accidents etc. Then again at next renewal date it increased by another $22/month. Again nothing changed and they had no valid reasons both times when it went up each year. When you go to cancel ensure you are in the right section of their portal, as when I went to cancel I was in the wrong section and it didn't allow me to cancel earlier than my renewal date when I wanted to switch. So I had to select the renewal date not realizing I could have selected an earlier date and saved on the next monthly payment.



Corey
Rating: 1
1 /5 stars

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Condo Insurance nearly Tripled in price

on 2020-08-19 17:31:57

I've been with Sonnet for my condo insurance for a number of years now and always allowed it to Auto Renew knowing there will be a slight increase in the annual cost. This year however, the annual cost for my insurance nearly tripled in cost. My cost annual cost went from $462 last year to $1220 this year with no claims made or anything.
After contacting their support through both Chat and on the phone I was simply told it was due to an increase in claims and there is nothing they can do for me, this was not a mistake.
When comparing to quotes from other companies, their annual costs are close to what I paid the previous year. After explaining this to Sonnet, they told me I should cancel my plan and go elsewhere. Horrible way to keep customers.



Muhammad
Rating: 1
1 /5 stars

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Highway Robbery

on 2020-07-30 04:53:59

Sonnet, Please Don't trust them , They are thieves. After the hail damage to my house they denied my coverage. Highway Robbery, please move to different company if you are with them.



Jessica Couto
Rating: 5
5 /5 stars

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Love them!

on 2020-07-09 12:20:10

I've had my policy with Sonnet for 5 years now. Overall my rates have only increased by $35 over five years. Customer service was SUPER helpful in assisting me with setting up this policy when I had questions. I've had one not at fault claim and the process was super simple, fast and easy. I have recommended this insurer to everyone I know. It's easy to listen to the bad reviews, as people really only tend to write reviews when they've had a bad experience, but this company has an incredible overall satisfaction rating based on reviews from all of their claims (not just the bad ones that take to google) compared to most other companies.



Maria Doro
Rating: 1
1 /5 stars

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Terrible service

on 2020-05-28 21:25:15

Changed my rate in 4 times



Andre
Rating: 1
1 /5 stars

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Terrible

on 2020-05-14 17:03:23

pray on customers suffering from the pandemic and charging ridiculous added fees. Charging me 25 dollars ever NSF.



Maria Dorofeeva
Rating: 2
2 /5 stars

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Terrible

on 2020-04-22 16:28:43

They cancel my insurance with no reason



Marcus
Rating: 5
5 /5 stars

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Really great experience

on 2020-04-22 15:26:42

At first I wasn't sure because I have never submitted a claim with any insurance company. In this case it was for a total loss. They asked a handful of questions at the beginning which made me somewhat concerned that this would be a lengthy and annoying process. Turns out it was the exact opposite. I had a great experience and my representative was amazing (Nancy). Thanks for making this experience a good one. I'll definitely put my future insurance policies with them and recommend to family & friends.



Bill
Rating: 1
1 /5 stars

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Trouble cancelling your policy

on 2020-03-14 13:57:02

Like everyone else has noted, Sonnet is awful.
I am trying to cancel my home and auto policies, which have increased despite no claims filed (just like everyone else).
The website keeps failing when I try to cancel my policies. This has been happening for two consecutive days.
I guess I'll contact the claims line.



Robert Faubert
Rating: 1
1 /5 stars

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Don't buy from SONNET they are not paying for claims

on 2020-03-04 16:00:59

I was insured for my rented house and I got all of my house damaged with a stolen fire stove and I got ......$0.
YES $0 and I had for at least $10,000 of damages.
Still under investigation with AMF "Autorité des marchés financier"



Gary
Rating: 1
1 /5 stars

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Worst ever

on 2020-03-03 18:24:25

My car was stolen, 3 weeks later still no rental and asking me ridiculous questions to prove my address. I call almost every day and speak to someone different each time. My car meant a lot to me and has sentimental value aswell but they are terrible. Worst thing is I recommended this insurance to many friends but I have told them how bad they are with a claim. I don’t understand how they are still in business.



Lisa Marshall
Rating: 1
1 /5 stars

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Life or death? Absolutely sickening

on 2020-02-05 11:28:41

They cancelled my insurance because I had a heart attack and was a couple days late on payment , I was in icu fighting for my life at age 47 but I was late so they said sorry for your luck but you should have called as you lay almost dying 😡 never in my life heard of this I’m appalled by this company and their practices they don’t care about their customers it’s all about the money unbelievable so
Disappointed and so is my friends and family I got to switch over lisabrookins1972@gmail.com



Gabriel Stefan
Rating: 1
1 /5 stars

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STAY AWAY FROM THIS F____S

on 2020-02-05 08:52:04

They double the price without any notice.



Tony Julien
Rating: 1
1 /5 stars

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I do not reccomend or endorse this company or their services

on 2020-01-28 07:41:58

As per similar reviews, the rate was significantly increased upon renewal by 30% with no claims. The rationale was there were claims in the neighbourhood. The following year, the policy was no longer renewable without a valid explanation. The disregard and lack of complete disclosure truly makes Sonnet an organization to keep at arms length and not capitalize on individuals and their families



Chris
Rating: 1
1 /5 stars

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Warning: Terrible Experience with home insurance claim with Sonnet/Economical

on 2020-01-14 09:08:44

I have home and auto insurance with Sonnet (now Economical). Our dishwasher leaked and we paid $2,000 deductible to have replacement completed. Economical sent our their preferred restoration company, Service Master Durham to complete the work and the flooring contractor they brought in did a terrible job. We raised the issue directly after installation and have been working on a resolution for 6 months now and Economical has now agreed to compensate us for a minimal amount for the flooring tiles (no labour) saying that it's not their issue. So now we need to pay to have the floors replaced (note our pre-leak floors cost us over $8,000 to install) out of pocket. They will lose our business, and we pay thousands of dollars annually in premiums. I would not recommend this insurer given the multitude of options out there and do not want anyone else to go through what I have had to ensure.



Shell
Rating: 1
1 /5 stars

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Scam!

on 2020-01-09 23:22:42

This is a scam they falsely inform you of fake policies and procedures. Then when the time comes they turn around and steal your vehicle from you for false damages and come at you with a list of new "policies" that you were "misinformed" about. The company is a waste of time and money to deal with. They will make up damages to "write off" your car so they can auction it won't allow a buyback oh and if you want to cancel your claim they write it off anyway and charge you for using the rental coverage YOU PAY FOR as well as tow fees and lot fees etc.



Jules
Rating: 1
1 /5 stars

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on 2020-01-09 14:39:56

never dealt with such a dishonest company, I had two property claims, they jumped through every hoop to try and avoid paying. Then once they accepted to cover one of the claims, they refused to fix it (which is fine I fixed it my self) then they only fixed half of the damages and tried to get me to open up a second claim to repair the rest so that they can avoid another 1000$ Deductible that i’d Have to pay. THEN I had a bank error on a monthly payment, got a letter, called them the very second I opened it, offered full payment (Christmas shopping, payments for credit cards take a few days to go through) and explained the situation. They were completely dismissive and chose to report me to the credit bureau and cancel my policy over a payment that was 6days late. I have excellent credit... FURIOUS



Golam
Rating: 1
1 /5 stars

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Stay away

on 2019-12-09 13:41:28

Worst company ever. My premium went up without notice. I had no claim. Easy money grab is all they are planning



Amélie
Rating: 2
2 /5 stars

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Worst insurance compagny!!!

on 2019-12-03 22:12:35

Do not go with them!! It's a nightmare, our house is a total lost by fire, no human understanding!!!



Scott
Rating: 1
1 /5 stars

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Raising Premiums without notice.

on 2019-11-30 13:48:22

I had a terrible experience with this company with regards to a no-fault collision and automatic renewal. Since last year, they have doubled my premium without notice, and my monthly insurance payment is double the payment for my actual car. They also charged me a premium of 600 dollars to simply remove my now-salvage vehicle from my policy so I could buy a new car, not to mention offered me peanuts for the car I had to replace. This made it extremely difficult to find a a similar car at the price they offered me for mine. Terrible service and zero communication.



Harpreet Singh
Rating: 1
1 /5 stars

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Worst insurance

on 2019-11-13 11:46:10

Donot verify information during selling policy and after selling they ask for extra bucks. They say like ur information is wrong so thats why ur quote has incresed.



Ivan
Rating: 1
1 /5 stars

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Worst insurance company in Ontario

on 2019-11-07 17:02:48

I was with sonnet Insurance up until the point where I went grocery shopping, my car was parked in a parking spot with no other cars around. My door was open because I was about to get out and a car drove right through my door and almost took it off the hinges. I called sonnet the very next day to make a claim about repairing my car door because common sense tells you if the ignition was off the keys were in my hand and I was about to get out then it cant possibly be my fault, and yet they said it was 100% my fault. I obviously got mad right away and they said the best they can do is drop it to 50/50 which makes no sense. How can you say it's 100% somebody's fault and then drop it to 50/50 and put it on my record. They are so lucky I don't know who they are, let's just put it that way.



Robert Faubert
Rating: 1
1 /5 stars

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Don't buy from SONNET they don't pay for your claims !!

on 2019-10-31 14:24:59

We had our pellet stove stolen along with around $10,000 in damage from our rented house and ...nothing from them nothing at all !!!



Michelle
Rating: 1
1 /5 stars

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Dont go with sonnet

on 2019-10-22 09:28:30

I have been with sonnet for almost a year and half. I got into an accident and it's over a month now and I haven't heard from them again. Every time, I call them they keep saying "it's under investigation and they will contact me as soon their investigation is ready."

I just checked my account this morning and they came to their monthly payment - who does that? First of all, you didn't say anything about the car, whether you're paying or not. Yet you guys are so quick to take my payment from my account. I honestly regret going with you guys.



Mr U Wish
Rating: 1
1 /5 stars

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Call the BBB and report them or call the Canadian Ombudsman

on 2019-10-21 14:59:19

After reading reviews from this lousy company i have changed my mind and will steer away from this site. Thank you people for the reviews i feel bad for those who have been severely cheated by this false company.Call the BBB and report them or call the Canadian Ombudsman



maha maria piehl
Rating: 1
1 /5 stars

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crook compnay

on 2019-10-09 20:21:42

First year my insurance for home was 65/Month the second year 89 this year it is 124/Month they do the bait and switch never ever again will I insurance with them

Sonnet increased my home insurance by 50% and I had no claims they do the bait and switch be aware if you want confirmation I have the recording to prove that they do not care



T. Dee
Rating: 1
1 /5 stars

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Avoid Sonnet Insurance

on 2019-10-07 07:14:11

When I first signed up with Sonnet Insurance 1 year ago I thought they were amazing. Great prices, friendly service, it was great! Fast forward 1 year and it was time to renew my insurance policy. Sonnet sent me an email saying my car and house insurance will be renewed. I thought nothing of this other than the fact my insurance would be renewed. Not long after the amount being charged to my credit card was charged, but it was higher than normal. I called Sonnet Insurance and they said my policy went up by $1,500.00 per year. I had no claims, no tickets, my record was clean. I asked the representative why did you not send me an email informing me my rates were going up. I was told that the responsibility is mine to login to my account and check the rates. I said that I ridiculous, why would I login to my account when I do not need to. If Sonnet Insurance can send me an email informing me that my policy is being renewed, then they can send me another email telling me my rates are increasing. What a difference 1 year has made with Sonnet. Their hold times are appalling and customer service has gone down hill. I would not deal with Sonnet Insurance again!



Nicole
Rating: 1
1 /5 stars

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This is a lie. They are canceling my insurance because they send me a email to renew and I did not get the email

on 2019-10-01 20:41:00

I’m a single mother who is not have to shop around for insurance in a middle of a move because I got a email they claim they sent me for car info that I did not receive. Don’t trust this company



was
Rating: 1
1 /5 stars

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Cant get quote online ???

on 2019-09-28 11:33:01

Is this an online insurance company???



Andrew
Rating: 1
1 /5 stars

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Unauthorized policy changes by Sonnet

on 2019-09-16 15:01:59

I updated my policy because I had moved and wanted to change addresses (apparently I had to update the whole policy from scratch despite moving just down the street to the same residence type). I lock in my quote. Alright. Some weeks later, I get charged significantly more than expected. I log in to look over my policy and I find the site has since been updated and there's options in there that weren't even available before. These new options have all been automatically set to the recommended selections, inflating the price. Once again, I find myself revising my whole policy... after being charged for services which weren't even applicable to my residence type. Brutal.

On a lesser note, they have the least reliable, most unstable website I have ever encountered. I say that with zero embellishment or exaggeration. Often loading screens go on loading endlessly, but more often than not they just give you the message: "Uh oh! Something went wrong while we were getting your quotes. Please try again." Making changes over the phone is borderline impossible as well; customer service was polite and kind on both occasions I called, but seemed to have little idea of what to do.



cdnrx1
Rating: 1
1 /5 stars

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    User: 0%

Wait until you file a claim.

on 2019-08-27 14:24:00

I chose Sonnet due to the simplicity of their online set-up, monthly payments, competitive rates and email communication. All went well in the beginning.

Eight months in I had to file a glass claim to replace the front windshield on my Corvette, my first glass claim in 30 years. They stalled, tried to substitute after-market glass, which didn't exist, wanted to use glass from a lower trim model and, finally, told me that they would not pay the full price for the correct part plus installation. Long story short and 12 days later my glass installer finally talked to the right level of management and the job was completed.

My claims record for both home and auto insurance is spotless, save for the recent glass claim. Has been for 30 years. Come time for renewal and my auto policy increases by 12% and my home owner's by 186% - yes that's right, no claims and no changes from the previous year. I requested an explanation, in writing, they told me that they couldn't do that, not their policy, please call customer service or I could cancel my policies online. I'll let you guess what I did.



Hayden
Rating: 1
1 /5 stars

  • Savings
    User: 0%
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    User: 0%
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    User: 0%
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    User: 0%
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    User: 0%

Do not use ever

on 2019-08-13 12:24:50

They will process unauthorized charges to your credit card



Sumeet Singh Puwar
Rating: 1
1 /5 stars

  • Savings
    User: 0%
  • Application Process
    User: 0%
  • Claims Process
    User: 0%
  • Rate stability
    User: 0%
  • Document delivery
    User: 0%

Beware! Worst insurance company!

on 2019-08-12 11:40:20

Beware! Worst insurance company. I strongly dislike their service. Its been 38 days and my claim is still “under investigation”. No rental car was given to me saying that it cannot be provided until the claim is approved.

Major cons:

- Cancelling policies by giving inappropriate reasons.

- If you call them, average waiting time is more than an hour approximately.

- The customer service representatives are very unprofessional and lack knowledge of almost everything.

- Finding every possible reason to deny a claim and save money.

- No linkage/communications between their departments (Adjustors/Underwriting/Customer service). You tried contacting any of them, they will come across a same answer: No status on your file yet.

- Big raise in monthly instalments after having even a small claim.

- Delaying the processing of claims enforcing the clients to do the required repairs on their own.



Nope
Rating: 1
1 /5 stars

  • Savings
    User: 0%
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    User: 0%
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    User: 0%
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    User: 0%
  • Document delivery
    User: 0%

Garbage

on 2019-08-08 17:23:12

I’m a 33 year old “new” driver in Ontario. I have had my class G2 for a year now, and today, got my class G (final permit). My insurance was sitting at a steep $196 for the past year, and I received an email recently that it’s be going up to $260. I figured my G would at least balance this out a little, bit when I phoned, they said my G class didn’t effect a thing. I have yet to see an insurance company who RAISES your monthly rate AFTER obtaining your final license class, after a year of driving accident-free and ticket-free.

Do. Not. Use. Sonnet.



Sandy
Rating: 5
5 /5 stars

  • Savings
    User: 0%
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    User: 0%
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    User: 0%
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    User: 0%
  • Document delivery
    User: 0%

Sonnet is great

on 2019-07-18 00:21:39

I have had cancelled insurance in past and sonnet still gave me the best car insurance rate I've ever paid. Only $68 per month for 2 drivers on SUV. Full coverage that is clearly outlined in paperwork. Moved address flawlessly, contacted without issue to change payment method. Renewal papers came by ma and email along with insurance slips 2 months prior to renewal month. And at a slightly lower rate than last year.



Fran
Rating: 1
1 /5 stars

  • Savings
    User: 0%
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    User: 0%
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    User: 0%
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    User: 0%
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    User: 0%

Worse insurance company ever

on 2019-07-17 06:31:09

Worst insurance company ever. The amount of headaches and struggles we had with you was incredible. One of the most frustrating things every day was dealing with you.

My Fiancee was at a not at fault car accident and while she was recovering she gave me the authorization to handle the claim for her. I was told I didn't have authorization and she had to call a second time to give me authorization, then it happened again. So three times she gave me the authorization to speak on her behalf.

The adjuster that was handling our claim WAS NEVER IN OFFICE. I called for a week and a half straight and I would always get the voicemail. We had questions because the total loss settlement amount you gave us was lower than expected. The only way to contact our adjuster was through emails and he ignored our questions and took 1-2 days to reply. Sometimes even had to send a follow-up email to get an answer.

I had to wait 2 hours to talk to customer support just to be hung up on because the agent told me he wouldn't keep the conversation going after I was requesting to talk to the adjuster because he was taking forever to reply to our questions in our emails. Since so much time went by without an answer we had to extend our rental car for a few days from our pocket due to your incompetence. When we asked to be reimbursed for the rental extension due to our adjuster not being in office and taking long times to reply, I was told they couldn't do that and they hung up on me in a very rude way.

The emails we sent asking for reimbursement for the rental extension were completely ignored by our adjuster and it wasn't until we were over it and accepted the settlement that they quickly emailed us back to sign the paperwork.

Your service is as cheap as your quotes.



Megan McDonald
Rating: 1
1 /5 stars

  • Savings
    User: 0%
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    User: 0%
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    User: 0%
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    User: 0%
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    User: 0%

HORRIBLE HORRIBLE HORRIBLE

on 2019-07-09 14:28:28

This insurance company is a fraud and I feel like an idiot for ever coming to this company. I was in a not at fault accident almost 2 weeks ago and I have YET to hear from them. I get more phone calls from the car rental place asking what's going on with my claim!!! The car rental place said if they don't hear from Sonnet that I will need to pay! I PAY OVER $300.00 IN CAR INSURANCE... I SHOULD NOT PAY FOR THIS. When I call the "customer service" line, all they say is " we will make a note on file and someone will call you". WHAT KIND OF INSURANCE COMPANY OPERATES LIKE THIS?!?!?!? AVOID THIS COMPANY AT ALL COSTS!!!!!



Julian Barlow
Rating: 2
2 /5 stars

  • Savings
    User: 0%
  • Application Process
    User: 0%
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    User: 0%
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    User: 0%
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    User: 0%

communication difficulties

on 2019-07-05 14:33:58

Have been trying to contact company for two days by email, chat, phone. Much effort and wait involved to make contact.



Lean
Rating: 1
1 /5 stars

  • Savings
    User: 0%
  • Application Process
    User: 0%
  • Claims Process
    User: 0%
  • Rate stability
    User: 0%
  • Document delivery
    User: 0%

on 2019-06-25 16:43:36

Stay away from this fraud company. They will significantly increase your insurance by over $100 at time of renewal even with perfect driving records and 0 claims.



Susan
Rating: 1
1 /5 stars

  • Savings
    User: 0%
  • Application Process
    User: 0%
  • Claims Process
    User: 0%
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    User: 0%
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    User: 0%

Huge disappointment

on 2019-05-27 18:37:54

I tried to contact this company to update my payment information but could not get through to speak with an agent. Online chat was not helpful. Tried to update my payment information online unsuccessfully (website did not work). Made me question their customer service if I actually made a claim! Ended up cancelling and returning to TD Meloche Monnex.



Marian
Rating: 1
1 /5 stars

  • Savings
    User: 0%
  • Application Process
    User: 0%
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    User: 0%
  • Rate stability
    User: 0%
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    User: 0%

Stay away!!

on 2019-05-24 16:52:41

I have been with sonnet 2 years and my car insurance for 2 cars was $325 monthly and with the renewal I will ONLY be paying $827.
STAY AWAY!!



Kwuser
Rating: 1
1 /5 stars

  • Savings
    User: 20%
  • Application Process
    User: 0%
  • Claims Process
    User: 0%
  • Rate stability
    User: 10%
  • Document delivery
    User: 0%

Stay Away from Sonet

on 2019-05-23 09:32:30

First year price was little bit better then what we have for 7 years with TD so we switch over 2 homes and 2 cars on first renewal price for homes went up 50 % with some non sense explanations like increase sever storms in our area etc... oland yes we did have claim ever I can imagine how will that look like....
Stay Away...... I never leave reviews but this one is deserved



OWEN WATKINS
Rating: 2
2 /5 stars

  • Savings
    User: 10%
  • Application Process
    User: 100%
  • Claims Process
    User: 0%
  • Rate stability
    User: 0%
  • Document delivery
    User: 10%

documents

on 2019-05-17 22:49:18

Still waiting for documentation after paying for policies???????.



navjot dhaliwal
Rating: 2
2 /5 stars

  • Savings
    User: 60%
  • Application Process
    User: 50%
  • Claims Process
    User: 10%
  • Rate stability
    User: 30%
  • Document delivery
    User: 60%

Over charged

on 2019-05-07 13:26:55

I had a fire at my rented house call the insurance in February told him about it I couldn’t live there anymore and was told by the fire department said not to come back until everything was fixed I told my adjuster this I couldn’t get a hotel because I don’t have a credit card so I was staying at a friends house after finally settling my claim I had my belongings that were cleaned and returned to me at my new address I was still being billed for my old address that I have not stayed in since February it’s now May 7 and I’m still paying for my old address These guys refuse to refund me any money saying they don’t have proof I don’t live there and it’s up to me to contact their contractors to get information that they remove my belongings and delivered it to my new house this place is a joke and a scam



Alex
Rating: 1
1 /5 stars

  • Savings
    User: 10%
  • Application Process
    User: 10%
  • Claims Process
    User: 10%
  • Rate stability
    User: 10%
  • Document delivery
    User: 20%

Garbage service

on 2019-04-26 23:46:29

Super bad experiance ended loosing my job and almost got scammed into paying 4500$ for tow fees and rental cost when i wasent at fault horribke customer service



Luke Costello
Rating: 1
1 /5 stars

  • Savings
    User: 10%
  • Application Process
    User: 10%
  • Claims Process
    User: 20%
  • Rate stability
    User: 20%
  • Document delivery
    User: 20%

They only care about their own pockets

on 2019-04-25 15:21:22

Only care about there own pockets. Will only offer me half the blue book value of my vehicle



Jack
Rating: 1
1 /5 stars

  • Savings
    User: 10%
  • Application Process
    User: 20%
  • Claims Process
    User: 10%
  • Rate stability
    User: 20%
  • Document delivery
    User: 20%

This Insurance is a fraud

on 2019-03-11 23:21:26

I was recently in a not at fault incident and try to claim the damage with this company... I have been to three different location for proper estimate with certified collision care repair facility for $4000 cost in damage - consistent with three other autobody shop estimate. They decide to send me to one of their cheapest unreliable autobody - Carstar or whatever that horrible repair company it. They took pictures around the car and not underneath the car which is where most of the damage is at and came back with an estimate of $2000 and on top of that i would need to pay a 75% betterment fee in the total of $600!. I asked for them to send me to their parent autobody shop Boyd Auto Body for more reliable estimate and they said they will only pay $1400 regardless of what other autobody quote the damage. This is a total fraud of a company and i plan on following this up with alberta insurance council if Sonnet thinks they can just bully me on this claim.



ANDREW
Rating: 1
1 /5 stars

  • Savings
    User: 10%
  • Application Process
    User: 60%
  • Claims Process
    User: 10%
  • Rate stability
    User: 10%
  • Document delivery
    User: 10%

VERY UNHAPPY

on 2019-01-23 13:33:24

I HAVE BEEN WITH SONNET FOR 2 YEARS NOW- I RECENTLY WAS IN A ACCIDENT- MY CAR WAS IN GREAT CONDITION (2002 SIR)- MY CAR WAS A TOTAL LOSS AND MY INSURANCE OFFERED ME $1900- I DECLINED! THE CLAIMS ADJUSTER ADVISED ME TO SEND IN RECEIPTS FROM THE LAST YEAR OF MAINTENANCE WORK DONE ON MY CAR- i GAVE THE AJUSTER OVER $3000 IN RECEIPTS AND THEY OFFERED ME AN EXTRA $170 ON TOP- $2100
WHY PAY AN INSURANCE COMPANY IF THEY WILL ONLY GIVE YOU THE RUNAROUND- THEN SAY TAKE THE BLACK BOOK VALUE.... I FEEL SO SORRY FOR ANYONE THAT GETS INTO A ACCIDENT WHILE UNDER SONNET



.
Rating: 2.5
2.5 /5 stars

  • Savings
    User: 100%
  • Application Process
    User: 50%
  • Claims Process
    User: 10%
  • Rate stability
    User: 20%
  • Document delivery
    User: 60%

Over it

on 2019-01-18 15:46:56

I had an not at fault accident and sent in all my paperwork for income replacement. I should of gotten a response back within 10 business days it is now 20 business days and they have YET to get back to me. They don’t care about their customers and I will be suing



Louis Richer
Rating: 2
2 /5 stars

  • Savings
    User: 10%
  • Application Process
    User: 80%
  • Claims Process
    User: 60%
  • Rate stability
    User: 10%
  • Document delivery
    User: 30%

Sonnet? Goodbye!

on 2019-01-14 12:55:18

Great rates … first year! 29% increase on house, 300% on cars in year 2. Had one claim for a pebble in the windshield valued at $123.00, resulting in a $1,000 increase in the premium. Never again!



LJ
Rating: 5
5 /5 stars

  • Savings
    User: 100%
  • Application Process
    User: 100%
  • Claims Process
    User: 100%
  • Rate stability
    User: 100%
  • Document delivery
    User: 100%

Couldn't ask for better

on 2018-12-28 12:56:19

I have had Sonnet for almost two years now. I have made an af fault claim, I've missed a payment, I have a home that many insurance companies are reluctant to deal with. I've never had a problem with customer service or my rates. I couldn't be happier to have Sonnet to keep me protected. I only wish they extended their coverage to atvs but it's not something to complain about.



Lichun Sun
Rating: 0.5
0.5 /5 stars

  • Savings
    User: 10%
  • Application Process
    User: 10%
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    User: 10%
  • Rate stability
    User: 10%
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    User: 10%

on 2018-12-10 18:14:10

Totally scam company!!! avoid them!!!!!

Mitchell & Whale Team
on 2018-12-12 10:56:25

Sorry to hear about that. New start up insurance company as an offshoot of Economical is certainly having some growing pains



felix moral
Rating: 0.5
0.5 /5 stars

  • Savings
    User: 10%
  • Application Process
    User: 10%
  • Claims Process
    User: 0%
  • Rate stability
    User: 10%
  • Document delivery
    User: 10%

slow quote and bad rate

on 2018-10-14 11:49:23

Quote was confusing and rate was not a savings

Mitchell & Whale Team
on 2018-12-12 17:40:49

There is no one company that is best for all in insurance - this is something they never tell you in marketing.



Royce
Rating: 3.5
3.5 /5 stars

  • Savings
    User: 90%
  • Application Process
    User: 100%
  • Claims Process
    User: 0%
  • Rate stability
    User: 40%
  • Document delivery
    User: 40%

???

on 2018-09-24 17:43:34

Own this house - they say they don't provide a product for it? No problem elsewhere... Just wanted to compare rates!

Mitchell & Whale Team
on 2018-12-12 17:46:01

Interesting and odd.



Kevin
Rating: 0.5
0.5 /5 stars

  • Savings
    User: 10%
  • Application Process
    User: 10%
  • Claims Process
    User: 0%
  • Rate stability
    User: 10%
  • Document delivery
    User: 10%

Fraud

on 2018-08-30 11:34:04

Cancelled my policy after 1 year and couldn't give a valid reason. This is nothing more than a giant scam. They sign people up, take their fees for a year (as very few people are likely to file a claim in this time) then cancel their policies with some "changes to their underwriting" story but cannot provide any valid reason. I was given every excuse in the book (too many traffic tickets/violations (i don't drive), poor credit rating (it's steadily been improving for the last 3 years) and then when all their excuses failed I was told by one agent I was being discriminated against and another told me she could see absolutely nothing wrong with my account. Horrible company taking advantage of people. Will NEVER touch another product or service by anyone associated with this company

Mitchell & Whale Team
on 2018-12-12 17:57:21

Sorry to hear about this - the lack of clarity is not cool.



Nick
Rating: 5
5 /5 stars

  • Savings
    User: 100%
  • Application Process
    User: 90%
  • Claims Process
    User: 0%
  • Rate stability
    User: 100%
  • Document delivery
    User: 80%

great service

on 2018-08-01 14:42:15

great customer service and good prices



Jan doe
Rating: 1
1 /5 stars

  • Savings
    User: 10%
  • Application Process
    User: 30%
  • Claims Process
    User: 30%
  • Rate stability
    User: 10%
  • Document delivery
    User: 20%

If you try to save money don’t use Sonnet!

on 2018-07-30 15:42:05

Fully online operat, get insurance in 5min... sound great hmm?

BUT IS NOT!

When you try to get a insurance is fast for sure they try to grab you money, but when it come to claim, they will try to save every penny from their pocket.

I used trust this company very well and I introduced at least 10 of my friends use this company, but now it really let me down. When the accident happen, you call them to claim. At first they will try to delay the investigat to make sure you pay an extra month. And if your car have been write off they will give you a low ball offer you couldn’t believe. (I make a claim and my friend make two)

Also for the insurance fee per month, it promised us basic on their computer they will give your the lowest price, but it not, for example a 08 EVO, They offer was 398 but TD only cost 298, for a 09 Maserati GT they offer 498 meanwhile TD was 460(because we were international students so we Insurance rate was high). Ask other insurance company before you want to buy from them!

Mitchell & Whale Team
on 2018-12-12 22:24:43

Shopping around is smart, along with looking into how good a company is at claim time and what your recourse is if they suck. Good tips



Chris
Rating: 1
1 /5 stars

  • Savings
    User: 50%
  • Application Process
    User: 10%
  • Claims Process
    User: 10%
  • Rate stability
    User: 10%
  • Document delivery
    User: 10%

WORST CLAIMS EXPERIENCE EVER

on 2018-06-20 16:00:04

These guys have simply the worst customer service for an insurance company ever. I have had 3 NO FAULT accidents and they couldn't organize a 1 man parade. Had to make every phone call myself, from start to finish. DON"T WASTE YOUR TIME WITH SONNNET AKA ECONOMICAL INSURANCE

Mitchell & Whale Team
on 2018-12-13 13:11:21

Sorry to hear about this. The only difference between Sonnet and Economical is with Economical I could have been your broker helping you navigate those claims and repair process. Read more about the difference here.



Nunya B
Rating: 2.5
2.5 /5 stars

  • Savings
    User: 40%
  • Application Process
    User: 50%
  • Claims Process
    User: 0%
  • Rate stability
    User: 40%
  • Document delivery
    User: 50%

Horrible

on 2018-05-31 00:15:41

THE worst experience. Technology means nothing without customer service. Don't waste your time with these clowns.

Mitchell & Whale Team
on 2018-12-13 13:15:05

"Technology means nothing without customer service" - best quote ever. I think a lot of industries need to stand up and take that pledge of allegiance every morning before work.



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