How is my Sonnet Shift auto premium calculated?

The Canada Post strike is over, but you may experience delays receiving mail from Sonnet. Log in to view, download and print your documents.

To calculate your auto insurance premium, Sonnet Shift looks at three key factors to evaluate how you drive, when you drive and how much you drive.

Driving Result

Your Driving Result is the discount or surcharge applied to your premium quarterly (every three months), based on your Driving Score from the previous 90 days. A good score can save you up to 35%, but risky driving could cost you up to 30% more. Keep tabs on your projected result and premium, updated weekly in the app.

Mileage Contribution

The Sonnet Insurance app tracks the kilometres throughout your entire policy term, for each driver enrolled in Sonnet Shift. Each driver’s Mileage Contribution helps calculate the total annual premium at renewal, and it’s used as a factor in calculating the quarterly Shift Adjustment. You can view your mileage in the app to see how much you’re driving.

Mileage Discount

Your Mileage Discount is applied at renewal based on how much you drive. You could be rewarded for driving less, since fewer miles on the road means less chance of an accident (plus, it’s more eco-friendly). Check the app to see your Projected Mileage Discount.

Heads up! Even though Sonnet Shift puts you in control of your car insurance premium, we still look at traditional rating factors like where you live, your driving record, your past claims, and other information about you (like your age).

Remember, every three months we give you the opportunity to earn a better discount! Be sure to keep tabs on your Driving Score and use the tips provided to continually improve your driving.

*Complimentary one-year membership to TELUS Health Virtual Care is available to the primary named insured on a Sonnet property or auto policy. Offer is limited to one Sonnet account with at least one active home or auto insurance policy. The primary named insured’s partner, spouse and any dependents under the age of twenty-six may also use the TELUS Virtual Health Care membership. Offer does not extend to the purchase of a Sonnet Pet Insurance policy. Offer is not available to residents of New Brunswick. Note that controlled substances cannot be prescribed by TELUS Health Virtual Care.

Sonnet Pet is distributed under a distribution network agreement by Sonnet Insurance Company and is underwritten by Petline Insurance Company. Products are available to residents of B.C., Alberta, Ontario, Québec, New Brunswick, Nova Scotia and P.E.I. and provide coverage to eligible pets. All coverage described is subject to the terms, conditions, limitations and exclusions contained in our Policy Wordings. In the event of a discrepancy, your policy wording governs.

Sonnet Insurance offers online home and auto insurance to residents of Ontario, Quebec, New Brunswick, Nova Scotia and P.E.I. In B.C. and Alberta we offer online home insurance. Unfortunately, we’re not able to service Saskatchewan, Manitoba, Newfoundland & Labrador and the territories, or Alberta or B.C. auto insurance customers at this time.

Always refer to your insurance policy for information about your coverage, including limits, deductibles, and exclusions. In case of discrepancy, the insurance contract prevails over general information available on this site. Any policy related changes made on this site will not be effective until you receive confirmation.

Sonnet Shift is a trademark of Definity Insurance Company and/or its affiliates. Sonnet Shift is only available to residents of Ontario, and Québec.