Is Sonnet Insurance Legit: Overview, Benefits, Coverage & Discounts

Is Sonnet Insurance Legit: A closer look at Sonnet Insurance to determine its legitimacy and reliability.

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Navigating insurance choices: Delving into the question of whether Sonnet Insurance is a trustworthy option for your coverage needs.

Are you in search of a new insurance provider?

Perhaps you’ve encountered Sonnet Insurance, a fully online company that asserts to provide lower rates and a hassle-free experience.

In this blog post, we will explore the legitimacy of Sonnet Insurance.

We will also compare it to other insurance companies in Canada and evaluate the pros and cons of purchasing insurance online.

Our analysis is based on thorough research and customer reviews, aiming to assist you in making an informed decision about Sonnet Insurance.

Company Overview

Sonnet Insurance, a subsidiary of Economical Insurance, is a digital alternative to traditional insurance brokers.

Launched in 2016, it aims to simplify the insurance process and save customers money.

The company offers customized and transparent coverage for various types, including home, auto, condo, tenant, landlord, and pet insurance.

Obtaining a quote is a quick online process, allowing you to customize coverage options such as deductibles and liability limits.

Discounts for students, bundling, and multi-vehicle policies are also available.

Operating entirely online, Sonnet Insurance facilitates a seamless experience from quote to claim.

To purchase a policy, customers provide necessary information such as payment details, driver’s license number, and proof of insurance.

Payment options include credit card or pre-authorized debit, with the choice of a monthly or annual payment plan.

Managing policies is convenient through an online account, providing access to policy documents and allowing updates to information and coverage.

In case of a claim, customers can contact the 24/7 claims support line or submit a claim online.

Sonnet Insurance assigns a dedicated claims representative to guide customers through the process and provide updates on claim status.

Sonnet Insurance Benefits

  1. Lower Rates

The company claims to offer lower rates by operating exclusively online, passing on savings to customers.

The median cost of car insurance with Sonnet is stated as $1,706, a figure comparable to the average annual expenditure on gas.

  1. Fast and Easy Process

Sonnet Insurance simplifies the insurance process by allowing customers to obtain quotes, purchase policies, and manage claims online.

This eliminates the need for brokers, paperwork, or phone calls.

  1. Transparent and Customizable Coverage

Customers can see precisely what they are paying for and adjust coverage options to understand the impact on premiums.

The coverage is customizable to suit individual needs and budgets, allowing removal of unnecessary extras.

  1. Reliable and Reputable

Backed by Economical Insurance, a well-established company with over 150 years of experience and an A- rating from A.M. Best, Sonnet Insurance is regarded as reliable.

Additionally, it holds a 4.2 out of 5 rating on Trustpilot based on over 3,800 reviews.

In conclusion, this blog post aims to provide comprehensive information to help you determine whether Sonnet Insurance is the right choice for your insurance needs.

What are the disadvantages of Sonnet Insurance?

Sonnet Insurance comes with certain drawbacks that it’s important to be aware of, including:

  1. Online-only service

Sonnet Insurance operates exclusively online, meaning there’s no option to visit a physical office or speak with a local agent.

This could prove inconvenient or frustrating for customers, especially when dealing with complex or urgent issues that require personal attention.

  1. Limited availability

Sonnet Insurance is not accessible in all provinces and territories across Canada.

Currently, they provide all six types of insurance in Alberta, Ontario, Quebec, New Brunswick, Nova Scotia, and P.E.I.

Home insurance is the only offering in British Columbia.

  1. Potential premium increases

Some customers have reported instances where Sonnet Insurance raised their premiums without prior notice or explanation after a year of being a customer.

While this practice may be common among insurance companies, it can still be irksome and disappointing for customers who anticipated saving money with Sonnet Insurance.


Q: How can I cancel my Sonnet Insurance policy?

A: To cancel your Sonnet Insurance policy, get in touch with their customer service team via phone, chat, or email.

Provide your policy number and specify the date you wish to cancel.

Depending on the timing of your cancellation, you might be eligible for a refund or be subject to a cancellation fee.

Be prepared to furnish proof of new insurance or a bill of sale if you’ve sold your vehicle or property.


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