Sonnet Insurance

aid: sonnet-insurance
url: https://raw.githubusercontent.com/api-evangelist/sonnet-insurance/refs/heads/main/apis.yml
name: Sonnet Insurance
kind: company
description: Sonnet Insurance is a Canadian direct-to-consumer digital property and casualty insurer launched in 2016 and
  a member of the Definity family of companies, underwriting its own auto, home, condo, tenant, landlord and pet policies
  through Sonnet Insurance Company. It sells auto, home, condo, tenant and landlord coverage in Ontario, Quebec, New Brunswick,
  Nova Scotia and Prince Edward Island, and home-only coverage in British Columbia and Alberta, positioning itself as "Canada's
  original digital-first home and auto insurance company" with a fully online quote-and-buy flow and licensed agents for support.
  Sonnet is an explicit direct writer -- its own FAQ states that "a third party -- even a licensed broker -- cannot purchase
  a Sonnet policy on your behalf" -- so it operates no broker or agency distribution channel and therefore no ACORD/AL3 agency-download
  path. Its API posture is closed -- no developer, developers, docs or api subdomain resolves in DNS, every first-party developer
  path probed returns HTTP 404, and no OpenAPI, Swagger, GraphQL, Postman collection, webhook catalog or partner technical
  onboarding surface is published. The only third-party integrations Sonnet describes -- the Kanetix.ca (RATESDOTCA) quote-and-buy
  partnership and the Sonnet Connect brand referral program -- are privately negotiated commercial arrangements with no public
  technical documentation. Two machine-readable surfaces do exist and are captured here. Sonnet serves a real llms.txt at
  www.sonnet.ca/llms.txt that declares per-agent AI-Training, AI-Generation, AI-Summarization and AI-Crawling directives (Allow
  for OpenAI, Google-DeepMind and Anthropic) alongside a curated reference-content index -- an AI consent signal rather than
  an API contract. And the secure.sonnet.ca quote-and-buy application is driven by an undocumented first-party REST/JSON surface
  under /api/v1 covering quoting, binding, policy servicing, payments and identity; it is observable from Sonnet's own public
  JavaScript bundle but carries no documentation, no specification and no third-party terms of use, so it is recorded as observed
  evidence, not as an integratable API.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-09-02'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Insurance
- Canada
- Property and Casualty
- Auto Insurance
- Home Insurance
- Insurtech
- Direct to Consumer
- Underwriting
- Claims
created: '2026-07-25'
modified: '2026-07-25'
specificationVersion: '0.23'
apis: []
common:
- type: DomainSecurity
  url: security/sonnet-insurance-domain-security.yml
- type: Website
  url: https://www.sonnet.ca/
- type: About
  url: https://www.sonnet.ca/about-us
- type: Blog
  url: https://www.sonnet.ca/blog
- type: Partnerships
  url: https://www.sonnet.ca/partnerships
- type: Login
  url: https://www.sonnet.ca/account-log-in
- type: LinkedIn
  url: https://www.linkedin.com/company/sonnet-insurance
- type: Twitter
  url: https://x.com/sonnetinsurance
- type: Facebook
  url: https://www.facebook.com/sonnetinsurance/
- type: Instagram
  url: https://www.instagram.com/sonnetinsurance
- type: YouTube
  url: https://www.youtube.com/channel/UCEOXIbT5710DW8JhHfD_qhw
- type: TikTok
  url: https://www.tiktok.com/@sonnetinsurance
- type: Support
  url: https://www.sonnet.ca/contact-us
- type: FAQ
  url: https://www.sonnet.ca/faqs
- type: SignUp
  url: https://www.sonnet.ca/get-a-quote
- type: TermsOfService
  url: https://www.sonnet.ca/terms-of-use
- type: PrivacyPolicy
  url: https://www.sonnet.ca/privacy
- type: Accessibility
  url: https://www.sonnet.ca/accessibility
- type: News
  url: https://www.sonnet.ca/news
- type: Careers
  url: https://www.sonnet.ca/join-us
- type: Newsletter
  url: https://www.sonnet.ca/newsletter
- type: Sitemap
  url: https://www.sonnet.ca/sitemap.xml
- type: LLMsTxt
  name: llms.txt published by Sonnet Insurance
  url: llms/sonnet-insurance-llms.txt
- type: ContentSignal
  name: AI usage directives declared in Sonnet's llms.txt
  url: llms/sonnet-insurance-llms.txt
- type: EndpointInventory
  name: Observed undocumented first-party endpoints (not a published API)
  url: endpoints/sonnet-insurance-observed-endpoints.yml
- type: WellKnownProbe
  name: /.well-known/ probe record - nothing served
  url: well-known/sonnet-insurance-well-known.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com