Sonnet Auto Insurance Reviews

I chose Sonnet due to the simplicity of their online set-up, monthly payments, competitive rates and email communication. All went well in the beginning. Eight months in I had to file a glass claim to replace the front windshield on my Corvette, my first glass claim in 30 years. They stalled, tried to substitute after-market glass, which didn't exist, wanted to use glass from a lower-trim model and, finally, told me that they would not pay the full price for the correct part plus installation. Long story short and 12 days later my glass installer finally talked to the right level of management and the job was completed. My claims record for both home and auto insurance is spotless, save for the recent glass claim. Has been for 30 years. Come time for renewal and my auto policy increases by 12% and my home owner's by 186% - yes that's right, no claims and no changes from the previous year. I requested an explanation, in writing, they told me that they couldn't do that, not their policy, please call customer service or I could cancel my policies online. I'll let you guess what I did.

Beware, please!!! Got a quote for home and auto insurance. Saved it. Was happy as it stated well for 45 days. Went and cancelled my insurance with my older company. Was about to buy. Website crashed. Called and emailed, got an irrelevant response from the tech support 24 hours later. Went again and did quote again just to see it mysteriously increasing. Called them again and asked to provide me with the first quote that was supposed to be good for 45 days. Nope! Once you requote, you are done. I explained that I wanted the first quote and the reason why I requoted was that your website is falling apart. What kind of product do you offer to people when you do not stand behind your words? What is the point in 45 days locking price, when you cannot provide it even after 5 days? Is this the company that I would want to trust my cars and home? No! You lost me as a customer. A poor experience, poor product and unhelpful. Extremely dissatisfied and disappointed with a lack of intention to help.

Subject: Complaint Regarding Insurance Cancellation Due to Lack of Notice
I am writing to express my frustration over the recent cancellation of my insurance. During a recent move, I did not receive any notice of non-payment. Upon discovering this, I called and paid $600 after an employee assured me that my coverage would continue. Now, I am being denied insurance and asked to pay $2,000 to reinstate it, which I cannot afford as I am on disability.
As a loyal customer with no prior missed payments, I feel this situation was mishandled due to poor communication. I request that my insurance be reinstated based on my payment history and the prior assurance given by your employee.
Please don’t use this company at all… they refuse to give me any loyalty or support

I’m now going on over 4 weeks since the accident and the process is taking forever. I can’t ever get into contact with anyone. My agent now just went on vacation for the second time, so now I have to wait 5 days before I can get any answer. When I asked to speak to a supervisor, they said they’ll call me back, it’s been two days and haven’t heard anything. I’m so frustrated with this company it’s very unorganized, and I’ll be switching company’s once this claim is done/ if that ever happens.

So we started with Sonnet back in 2022. We thought things were going well. In August 2023 we had a no-fault collision. It took over 2 weeks to submit our claim, and then we ended up having to tow the car to the shop ourselves. We had a rental car and the work took additional time, so we were left without a car. Then, our adjuster was let go, and so it took 4 months to get our $500 back. Now 1 year later and I receive an email stating that our policy was cancelled. After calling, I found out that they think one of our licenses expired. And the person on the phone said, “we should have sent you notification earlier”. Still haven’t heard back from the underwriting team, and now we have no insurance, and we are supposed to leave on a road trip…

Never seen such a unproffecional site or company in my life. Tried like 4 times to get a quote, the site is so cheap and unreliable. Tried to contact them, no customer service you can call, no option for new customers, asked the robot chat to speak to an agent. It keeps telling me to call during business hours. It's Friday 9am, and it still not redirecting me to an agent. I would never reccomend this to anybody. Worst insurance company ever!!!

My truck was stolen March 1st. It’s now April 25th and I still haven’t received any settlement. They’re saying it’s because the truck was found, which restarts the whole process. I gave them all the information regarding that on March 21st. April 12th no one picked up the truck or went to look at it. I still haven’t received any settlement from them. Even when calling the adjuster and leaving voicemails saying “please call me back” I get emails saying “sorry I missed your call”. Timelines they give are not accurate and you’re lucky to get the response of “I’ll keep you posted as soon as we can move forward”. I’ve had to take a loan to purchase another vehicle since their claim is taking so long, leaving me with interest I shouldn’t be dealing with.

Their rates are great. But if you have a claim, at least in my case, their rates reflect the service.

I had a car insurance policy with Sonnet for a few years. In 2023, my credit card was compromised and I forgot to change the card with Sonnet. I was notified via registered mail and immediately took corrective action. I had until June 24th to correct the card and pay back premium. All was done on June 4th. I was then also charged regular premium the following month. After which, Sonnet cancelled my policy without my knowledge! I reported the issue and they refuse to reinstate my policy unless I pay the premium for the time that I WAS NOT covered by their company. Additionally, they were supposed to reply 5 days ago with and escalation effort and I have heard nothing. In the meantime, this is negatively affecting my insurance profile as I have a cancellation for non-payment on my file and coverage gap when, in fact, I paid and they cancelled the policy for no reason.

Paid for 6 years always on time got cancelled because I moved to another province and they didn't update their database, they said I'm not licenced, I've had a license since 16, I'm now 61, what a scam, moved to another company and saved 50$ a month, no payments missed, no tickets, terrible customer service.

I’m insured with Sonnet Shift (they track your driving with their App).
They are advertising if you’re driving safely they will give you a discount on your Premium.
I’m a 50 years old man, I just use my vehicle to commute 16 km each way a day.
I drive no more than 10.000 km a year.
As soon as I started being tracked by the Sonnet App I completely changed the way I was driving to see if it was possible to get the maximum discount (they say max can be -35%).
In the my first 3 month I got an Overall Driving Score from the App of 83 on 100.
This means I will receive a discount on my Premium from the next 3 months of -19%.
It’s impossible to get a better score than this one.
To calculate your Overall Score they use these data:
1. Smooth Driving
2. Mobile Use
3. Speed
4. Fatigue
5. Time of the Day
6. Road Risk
Their algorithm is made in a way that doesn’t allow you to get better scores.
Smooth Driving - The only time I got a score over 80 on 100 was always related to small trips with heavy traffic bumper to bumper, the normal score was always around 70 to 75 on 100 when I was just commuting driving like a turtle always on the right lane only touching 50km/h or 60 km/h where it was possible and never going above the limit or your Speed Score will go down fast.
If you accelerate or break in a manner that from the App is deemed unsafe your Smooth Driving Score will go down fast, it doesn’t matter if you’re driving for 100 km one bad break and the score goes down.
Mobile Use is just a joke, I received on my phone a phone call and I didn’t reply, I got a low score even if I didn’t touch the phone and the App was reporting zero minutes conversation.
Another time I was using my car Bluetooth and I called my wife because I was in heavy traffic, the App didn’t care I was using a hand free device and thanks a super low rating on my mobile use, my Overall Score for the trip was something around 50 on 100.
My wife was listening music from Spotify through the car Bluetooth and she got a low score in Mobile Use even if she wasn’t even touching the phone at all.
Fatigue, Time of the Day and Road Risk are just based on statistics, there isn’t any way you can improve those scores.
Overall I do not recommend Sonnet Shift at all, It was appealing at the beginning but after the first 3 month I realized they don’t want you to get the famous -35% on your Premium and if you want to get at least -19% on your Premium like me you have to drive like you are more than 100 years old.
I hope this can help someone else to don’t get caught in their scams.