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
Founded2016
Parent OrganizationEconomical Insurance
HeadquartersWaterloo, Ontario
Employees51 – 200
Insurance ProductsHomeowners, Condo, Tenant, Landlord, & Auto Insurance

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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 2 stars
2 / 5 (13 )

40%


  • Savings
    User: 42%
  • Application Process
    User: 48%
  • Claims Process
    User: 30%
  • Rate stability
    User: 30%
  • Document delivery
    User: 35%


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%
  • Claims Process
    User: 10%
  • Rate stability
    User: 10%
  • Document delivery
    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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