Sonnet Auto Insurance Reviews

Due to the fact that I had an employer who was not able to pay me on time, I would often try to make my payments before the actual date that my car insurance was due. As a result of paying for my car insurance two days early, they made it so that it looks like I have missed a payment, When in fact, I made the payment prior to the due date. This resulted in them cancelling my insurance For failure to make a payment, even though I made my payments all beforehand or on time.

So I just got sonnet shift to lower my insurance as I was paying $160 a month for basically no insurance (all premiums are at the lowest they can be) and I only drive about twice a week and take the bus the rest of the time. Shift calculates the bus rides unless I go on the app and say I wasn't driving and furthermore, you CANNOT get a perfect score why the app wants you to drive is impractical and unsafe like slow acceleration and not follow the flow of traffic. They also dock you if you use anything Bluetooth related (using Spotify, receiving phone calls and using the GPS). I have also found that no matter the time of day it's deemed as “high traffic” time, and you have to really know your way around the city to not be in a “high risk” area. So with that you will never get 35% off your insurance which I find ridiculous because I know people who live in the same area as myself who pay half of what I pay, and I only have 1 speeding ticket for 10 over on my record that's about to be dropped in the next few months.

I had both home and auto with sonnet. In 2023 home premiums jumps 35 percent. No claims on my part and no problems. I switched home to other and saved 40%.
In 2024 I traded cars. Sonnet initial quote somehow changed and the premium quoted for the new car changed upwards by 50%. Unable to get a reasonable answer so I cancelled and went with CAA. Same car same drivers but 33% less expensive.
Done with Sonnet

The whole issue is over $64.
I got a huge renewal increase with zero changes to the car or drivers. I asked to cancel early to move to another company and was told I would get a refund of $64. Seemed reasonable with a month left.
Day after cancellation they tell me I won't be getting the $64 and BTW, I also owe another $24. I was told their agent made a mistake and they won't stand behind it.
Yes, we are arm wresting for $64. Just imagine what would happen if you "made a mistake" telling them something about coverage. They would cancel you in a heartbeat.

They are one of the least expensive companies in Quebec for auto insurance. This is reflected by their horrible customer service. My car was stolen over two months ago and I still have not received money despite the adjuster telling me "the cheque has been mailed" more than once and over a month ago.
The car was stolen on June 15, 2023, and the cheque was apparently mailed on August 2
They do not respond in a timely fashion. They do not address their horrible customer service even after speaking with a manager. This is the worst company.

Sonnet accidentally made me 50% at fault for an accident and then it took them 5 months to change it to not at fault. They charged me a higher premium and wouldn’t refund me and then charged me 8% to cancel and never sent my remaining refund. Thieves!

I called to add a vehicle to my insurance. OMG!!! It was gonna cost me $283.00/month, more than my already existing car insurance. (One vehicle this would be a second ). I asked why so much, and the way I understood it was because my policy comes due in 4 months I had to pay for the year…. I just bought the car that day. Why do I have to pay for the year? I asked if I renewed how much would it be then, $342.00. Again OMG. I have never paid that much for insurance for my vehicles. My husband and I both have older clean driving records, no speeding tickets, accidents, claims etc. I am feeling so ripped off right now. Believe me when it is time for renewal SONNET is NOT getting my business.

They pride themselves on being an online-only experience, and boy do they stand by that if you ever need support that only cannot offer.
I've actually been berated by one of their client's support people for calling in, wouldn't stop talking about doing it online.
But, it all came to pass when I needed to add another vehicle. I recently changed my credit card and the payment bounced... I promptly updated this.... but! You cannot make policy changes within 14 days, including adding vehicles.
After much arguing, they stated that I can make a payment, and they will make it adjustable online the following day. Yea, that never happened.
I took it as far as messaging the client experience director on LinkedIn as that's ridiculous, considering you need insurance to pick up a vehicle from a dealership. Zero response.
Garbage company.

I was excited to write a great review of my experience right into this point. Today I got a call to pick up my claimed car from the auto shop, but they also informed me that I was still expected to pay my $1000 deductible after having been told multiple times that I'm 0% at fault and the deductible will be waived. I tried calling the adjuster three times within business hours and no answer at all. Just overall seems to be negligence and not an experience I would want to risk having again!

I was in an accident over a week and a half ago. I've had to refile my damage to property claim twice and my accident injury benefits twice. I have yet to hear from any adjuster to this day and keep getting the same excuses and "resolution" which is escalating the claim to get an adjuster assigned quicker. Do yourself a favour and go elsewhere... This has been a nightmare, I'm without medical to this day and the accident isn't even my fault. I am at home in pain daily and Sonnet could care less. A total joke and a terrible experience!