Car insurance for Québec drivers

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 will NOT be covered by Sonnet auto insurance. Sonnet offers personal auto insurance policies, and only covers personal use – like when you use your car to drive to and from work.

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

We give you our best price that’s specifically tailored for you. We’ve come up with a number of ways to help make sure you get the best price on your insurance.

There are a number of ways you could save on your auto insurance:

• Exclusive Sonnet Savings. Self-service has its benefits! You’ll save just for purchasing your insurance online. How easy is that?
• Claims Free. If you’re lucky enough to have been claims-free for six years, you could save.
• Convictions Free. Good driving behaviour deserves to be rewarded!
• Multi-Vehicle. Insuring more than one vehicle with us? Awesome! You may qualify for a multi-vehicle saving.
• Multi-Policy (home and auto). You could save when you insure both your home and your vehicle with us.
• Winter Tires (only in Ontario). They’ll keep you safe and help you save on your auto insurance.
• Canadian University Alumni and Canadian College Alumni. You could save when you are a Canadian University or College alumni or student.

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.
Do you live in Toronto? Find out which has the cheapest car insurance - used cars vs. new cars.

Each province has government regulations that oversee how prices are determined by insurance companies. At Sonnet, we use your personal information combined with public information about your vehicle and claims and driving history to calculate a price just for you. Some of the factors we look at to determine the cost of your insurance include:

• Number of past claims
• Information about you (e.g. how many years you’ve been a licensed driver)
• Traffic violations (e.g. speeding tickets)
• Where you live
• Your vehicle and how you use it

Using these details and a whole lot of math and statistics, you get the most competitive price – savings included. The whole process takes just minutes and the price you’re quoted is final. Buy online right away or save your quote and lock in your price for 45 days or until the coverage start date (whichever is sooner).

There are a couple of things you need to consider:

Liability limits. We'll cover you and the people on your policy for valid claims, and the cost of settling those claims, if you're held liable for injuries or damage to someone else's property as a result of an auto accident. Tip: Minimize how much you could be financially liable for in the case of a major accident by increasing this limit.

In Quebec, we cover the damages to your vehicle as well as those to someone else’s property. However, injuries are covered under the Quebec public insurance plan, SAAQ.

Extra coverages. If your vehicle would cost more than the deductible amount to repair it, you might consider adding Collision: Your Fault and/or Comprehensive coverage. (In Quebec, Collision coverage is called “Collision and Upset”, and Comprehensive is known as “All Perils Other than Collision and Upset”.) If your vehicle is involved in a collision with another object or tips over, Collision coverage will help cover the damage. Comprehensive covers your vehicle against loss or damage other than what's covered by Collision. This includes falling or flying objects, missiles and vandalism, and all the things listed under Specified Perils.

Review our guide on what coverages you should choose when getting a car insurance quote in Toronto.

Full coverage can differ from one insurer to the next, and can also change depending on whether you own, lease, or finance your car.

“Full coverage” generally means that you have comprehensive, collision and liability coverage. However, sometimes insurance companies include extra coverages as part of this package, like rental cars or ticket forgiveness.

If you lease or finance your car, your lessor or financing company may have additional or specific coverage requirements for your vehicle as a condition of your agreement with them. It’s always best to compare your agreement and policy to be sure.