Sonnet Insurance is one of the more popular Canadian insurance companies. But how exactly do they hold up in comparison to other companies?
Let's get to know Sonnet a little better.
What Is Sonnet Insurance?
Sonnet Insurance is Canada's first fully online home and auto insurance company. Their mission is to provide
Canadians with an online experience that is an easy, transparent, and customized way to buy home and auto insurance.
By using researched data and analytics, Sonnet is able to offer a customized coverage at competitive price in an easy to understand language, and all in as little as few minutes.
With Sonnet, you can get a quote, buy or manage your policy online from the comfort of your home.
Why Choose Sonnet Insurance?
Sonnet underwrites all their own policies which means that if you purchase car insurance in Toronto or home insurance in Montreal you're investing in a policy directly from Sonnet itself.
Sonnet's mission is to provide you with a quick, easy, stress free quoting. They ensure that your policy will meet your needs perfectly. They staff award winning customer service representative who are on hand to assist you at any step of your insurance journey.
Sonnet Insurance Login
Sonnet advertises itself as "Canada’s first fully online home and auto insurance company". They're clearly putting forth a brand image that cares deeply about the online insurance experience.
However, at the time this review was written, folks do experience some issues with creating a login for their accounts. As with any company however, they are working to improve this process and will most definitely see a more refined process very soon.
Presently, Sonnets login page is well laid out and clear crystal to understand if you know your credentials or have questions as they have an FAQ section which is a great help.
Sonnet Home Insurance
Sonnet's bread and butter is their home insurance. The process of getting a quote with them is famously fast, and their online system allows users to make instant emergency claims 24/7, which is key in the disasters insurance protect against.
Satisfied customers are quick to point out that Sonnet doesn't just cover traditional houses, but condos and mobile homes as well. They often note that Sonnet covers more types of insurance than similar companies but at a lower price.
They provide standard home insurance coverage services, such as liability insurance, dwelling, and detached structures insurance, personal belongings insurance, extra expenses insurance, and identity theft. On top of that, they cover sewer backup, earthquakes, hail, and overland water damage.
Sonnet Tenant Insurance
Sonnet offers tenant insurance, an increasingly popular type of service that protects the belongings of people who rent, rather than purchase.
Sonnet offers a similar self-serve, online process, and the ability to make quick claims. They cover liability insurance, personal belongings, extra expenses, unit improvements, and identity theft, in addition to the irregular coverage of sewer backup and overland water.
The process for getting a tenant insurance quote from Sonnet is just as simple as their other services. All that is required is the place of residence you wish to insure, and Sonnet, within 5 minutes, does the rest of the work for you. Most are under the impression that if their landlord has insurance, tenant insurance isn't necessary. Read more about why that's not the case.
Sonnet Car Insurance
Auto insurance is perhaps the most important type of insurance out there for Canadians. Cars are dangerous, and you never know when you might need money to cover your own injuries or the injuries of others. On top of this, if you own a vehicle in Canada, you have to have insurance for it.
Sonnet offers all of the major insurance coverage, such as liability insurance, accident benefits, collision, and comprehensive, as well as optional coverage such as accident forgiveness, ticket forgiveness, rental extension bundle and the Vroom service Bundle which includes roadside assistance, hit-and-run deductible waiver and new/used vehicle replacement.
The Reviews
As we get further into this review, we figure it's time to mention one of the biggest problems people have with Sonnet Insurance — that is communication. At the time this article was written the negative reviews seem to outweigh the positive.
For a test, head to any review website and click down to the one and two-star reviews for Sonnet. It's not just the case on the Mitchell and Whale website. Check out some of the negative reviews on this website.
Every company will inevitably have some negative reviews, and you can't believe everything you read online. However, when so many reviews across several websites voice similar complaints, one can't help but get the feeling that there might actually be an issue here.
Many people are frustrated with the fact that while Sonnet communicates well online, their customer service representatives haven't been very helpful. Many also have mentioned just how hard it is to get out of a contract with Sonnet, and how things such as fee hikes are often not communicated.
It's hard to forgive poor communication since communication is so important in any insurance experience.
Fee Hikes
This is one of the most egregious things we found out about Sonnet. Based on many negative reviews across several websites, it seems that sometime in the past two years Sonnet hiked up its fees significantly, did not communicate this fact to their customers, and gave said customers a hard time getting out of their policy.
Advertising yourself as a cheap insurance company, only to hike up prices on people who might not be able to afford more expensive insurance is not the most ideal practice especially if folks can't afford higher rates.
The Verdict
In the digital age, people trust an online review the same way they trust a recommendation from a friend. Sonnet definitely has a ways to go to improve their reviews. But as with any company, the wheels of improvement are in motion. More attention is being paid to the customer experience and we can definitely say, better reviews are already starting to roll in. Given the fact that Sonnet offers such comprehensive services, at prices people can afford and quick quotes within minutes, we are confident that their reviews will begin to speak for themselves.
