It’s simple. First, log into your Sonnet account to access your policy number and coverage details. You’ll need this information to file your claim, whether you choose to do it online or by phone.

To file your claim online:

Click the Start a digital claim button. We’ll guide you step by step to fill out the required information. If you have questions, you can connect with our claims team via chat during business hours – Monday to Friday, 8 a.m.–6 p.m. ET.

After you submit your claim, we’ll review it and an adjuster will contact you with next steps.

To file your claim by phone:

Call 1-844-766-6384 and follow the prompts so we can direct your call. Unless your claim is an emergency, it’s best to call during business hours – Monday to Friday, 7 a.m.–8 p.m. ET.

Want to learn more about our claims process? Visit our auto insurance claims page.

Getting car insurance in Toronto is easy. With Sonnet, you can get a car insurance quote online in minutes. All you’ll need is your driver’s license number, vehicle identification number (VIN) and the answers to a few simple questions – we do the rest of the work for you! Get a quote instantly.

Step 1: Fill out the required info. First, we’ll ask questions about where you live, and details about your car including the make, model, year, and VIN number. Then, tell us about you. We need info about your driver’s license, birthday, and more. Are there other drivers living in your household? We’ll need their details, too, even if they are insured elsewhere.

Did you know? Your postal code affects your car insurance in Canada. Whether you live in Toronto or anywhere else, your car insurance may change based on location.

Step 2: Add your savings. We offer a great selection of savings for Toronto drivers. Did you graduate from a Canadian university or college? Have a degree in accounting or engineering? You can save on your car insurance with Sonnet! We even offer savings to different organizations, unions, companies, and more. Just add your details during your quote and we’ll apply the savings instantly.

Step 3: Customize your coverages: There are certain coverages are mandatory in Canada, and they’ll be included in your quote. From there, you can tailor your add-on coverages to increase your protection, and choose your deductibles. Plus, get covered for rental cars and more with our Ontario-only Enhanced Protection bundle.

Step 4: Buy your insurance. We make it easy! Once you’ve finished your quote, you can get insured online in just a few clicks.

Step 5: Set up your account. After purchase, we’ll send you an email to create your Sonnet account. Instantly access your digital pink slips, proof of insurance, and more!

Once you've purchased your car insurance, we’ll send you an email with a link to activate your Sonnet account. Your pink slip and proof of insurance will be accessible directly through your account dashboard. Here you can also get the steps to add your eSlip right to your phone’s digital wallet.

If you would like to download an eSlip, here are the steps to add it to your phone:

1. Download the Sonnet Insurance app from the App Store (iOS) or Google Play store app (Android).
2. Log in to your account in the app using the same email and password you set up for your Sonnet account.
3. For first-time users, tap the ‘Get your eSlip’ banner over the ‘More’ tab. Agree to the terms and conditions for eSlips. Choose your vehicle (for single policies) or choose your policy then vehicle (for multiple polices).
4. eSlips will automatically update in your digital wallet app after a policy change or renewal. If you notice that it hasn’t automatically updated, tap on the ‘More’ tab, then tap ‘Pink Slip’. Choose your vehicle (for single policies) or choose your policy then vehicle (for multiple polices).
5. Your eSlip will automatically be added to your phone’s digital wallet.
   

Heads up! If you are an iOS (iPhone) user, the Background App Refresh setting must always be turned ON. This setting allows eSlips to automatically update when you make a policy change or renew your policy.

Follow these steps to turn this setting ON:

1. Go to your iPhone Settings and scroll down until you see the Sonnet Insurance App.
2. Simply tap the Background App Refresh toggle, so it is ON (green).
   

Want to view your physical pink slip in your account? Follow these steps:

1. Log in to your account and click on the ‘Easily access your digital pink slip’ card.
2. For single policies click ’Download’. For multiple policies, choose your policy number and then click ‘Download’.
   

We’ll also send you a hard copy of your pink slip through the mail (which takes about 5 business days).

Haven’t received your liability slip in the mail? First, double check the mailing address listed on your account. You can do this by signing into your account and selecting Settings. If your mailing address is incorrect or you would like to request a new pink slip be mailed, contact us.

Yes, you’ll still need to get car insurance for your leased or financed vehicle. It’s not included in your lease or contract.

The leasing or financing company may have specific car insurance requirements as a condition of your contract with them. These could include a minimum deductible for collision and comprehensive coverages. You’ll also need to list them on your policy as an additional interest, since they have a stake in your car. And, they’ll require you to provide them with proof of insurance.

Still have questions? Learn more about how leasing vs. financing a car affects your insurance.

Collision and comprehensive coverage work together to protect your car from many kinds of damage. When you have both, you’ll be covered for most types of damage. Plus, you won’t need to pay out-of-pocket to repair or replace your car.

Collision coverage protects your car when you’re at-fault in an accident, such as:

• Your car hits another car
• Your car hits an object (like a road sign or a street light)
• Your car rolls over

Heads up! For some not-at-fault accidents, like if you’re involved in a hit and run collision, you're still covered under your collision coverage.

Comprehensive coverage is a little different, because it protects your car from damage that’s caused from things other than an accident. This could be a rock hitting your windshield or a tree falling on your car during a storm. While comprehensive coverage can differ between insurers, here’s what it commonly covers you for:

• Your car is damaged by fire
• Your car is vandalized
• Your car is stolen
• Your car is damaged by a falling object
• Your car is damaged from a wind or hailstorm

Heads up! Although not mandatory coverage, if you lease your vehicle, both collision and comprehensive coverage are usually required by your leasing or financing company. Learn more about insuring your leased or financed vehicle.

Sonnet Shift offers big savings for safe drivers. Here are just a few of the perks you’ll get with Sonnet Shift:

• Free sign-up
• A one-time 10% Sonnet Shift enrollment discount
• Savings of up to 35% for driving safely
• At renewal, you could be rewarded for driving less through our Mileage Discount.
  
  

For the best savings, make sure each member of your home is enrolled in Sonnet Shift. We’ll let you know your projected discount in the Sonnet Insurance app. Or, if we expect your premium to increase, we’ll give you an idea of how much. This can help you and your household learn and keep good driving habits!

Are you planning on using your car for Uber or Lyft? How about as a restaurant delivery driver? If the answer’s yes, your car won’t be covered by Sonnet auto insurance. Sonnet offers personal auto insurance policies, and only covers personal use – like driving to and from work or running errands.

Using your vehicle to carry paying passengers or make deliveries is considered business use and isn’t covered by your policy. This includes, but isn’t limited to Uber, Lyft, Uber Eats, or any other similar ridesharing or delivery service. Learn more about how to get car insurance in Toronto if you drive for Uber or Lyft.

Auto insurance rules are set at the provincial level, so drivers in Toronto follow Ontario’s mandatory auto insurance requirements. In Ontario, the minimum coverage required by law is:

• Liability
• Uninsured Automobile Coverage
• Accident Benefits
  

You can’t legally drive without these three.

You might want to add optional coverages that would repair or replace your car if it’s damaged. Collision and comprehensive coverages aren’t required by law. But, they’re highly recommended if you want to avoid paying costly bills out of pocket. Collision takes care of damage to your car in case of an accident with another car or object. Comprehensive covers damage from fire, theft, falling objects, and more.

Heads up! As of January 1, 2024, Ontario auto insurance policyholders can opt out of Direct Compensation Property Damage (DCPD). DCPD was previously mandatory in Ontario. This coverage is also known as Collision – Not Your Fault.

Think carefully before removing DCPD from a vehicle. If you decide to opt out, here’s what to consider:

• You’ll have to pay out of pocket to repair or replace the vehicle even if you’re not at fault in an accident.
• You won’t be compensated by anyone else’s policy. And, you can’t sue anyone to recover damages. This includes anyone at fault for causing the damage. It also includes their insurer.
• If you have Collision or All Perils coverage, they will be removed from that vehicle.
• Extras like towing and a rental vehicle will also be removed.
• If you lease or finance your car, the contract with your lender might not allow it.
• You can’t remove the coverage through your Sonnet.ca account. You must call in and we’ll send you a paper consent form to fill out and send back to us.
  

We always want you to be fully protected! Have questions about your policy? Reach out to one of our agents via chat or email. They’re happy to help!

In Toronto, you must have auto insurance to legally drive. It’s also there to protect you financially if you’re involved in an accident or if your vehicle is stolen or damaged.

At Sonnet, getting insured starts with a quote. You’ll answer a few questions about yourself, your vehicle and how you use it. We’ll then show you the mandatory coverage, along with optional coverages you can add for extra protection.

Once you’re insured, if you get into an accident or your vehicle is damaged, you can file a claim online or by phone. We’ll be there to support you throughout the process.