Auto policy changes

  • Here's how to add a driver to your auto policy:

    1. Sign in to your account

    2. Select Change Requests from the main navigation

    3. Select Auto

    4. Select Add a driver

    5. Follow the on-screen instructions from there. 

    Be sure to add all drivers in your household to your policy. Adding a new driver to your insurance allows them to start building their insurance history. Not to mention you have the added security of knowing they (and others) are protected in case anything happens.

  • Simply send an email to support@onlia.ca, or give us a call at 1 844-472-7905.

  • Sign into your account, and navigate to the Change Requests tab. Select the type of policy you want to manage (auto or home), then select "Manage my coverage".

  • If you're an existing customer, your policies come standard with all the coverage you need to drive legally, plus collision and comprehensive coverage.

    You can opt out of collision and comprehensive coverage if you want liability coverage only, however, this is not something we recommend as costs associated with vehicle repair or replacement can be extremely high.

    If your car is financed or leased, the companies who have a financial interest in your car may have requirements about the minimum coverage on it. If you are unsure, it’s best to give them a call first.

  • When you purchase auto insurance with Onlia, you can choose either $1 million or $2 million in liability coverage. This is the level of coverage most Ontarians have. 

    You have the option to reduce your liability coverage limit after you’ve made your purchase. Just sign in to your account and navigate to Change Requests. Under Auto, choose Manage my coverage. From there you can choose different limits.

    We don’t recommend this! Liability claims can easily exceed those limits, especially if you’re responsible for a collision that causes serious injuries. You’ll be better protected with a higher coverage limit.

  • You can reduce or remove certain coverages in your account and submitting a Change Request.

    If you’re looking for ways to lower your premium, you have a few different options. You can:

    Before you make any changes to your policy, it’s important to think about the possible consequences. Removing coverages can leave you at risk if something unexpected happens. If you’re changing your coverage temporarily, remember to change it back when your situation is different.

    Planning to park your car for an extended period of time? Consider turning on long-term parking. Simply give us a call to arrange.

  • If your car is financed or leased, the companies who have a financial interest in your car may have requirements about the minimum coverage on it. If you are unsure, it’s best to give them a call before removing any coverage.

  • Call us at 1 844-472-7905 or email us at support@onlia.ca to put your car in long term parking.

  • We offer long-term parking which is the same as fire and theft coverage.

    Email your broker at support@onlia.ca or call 1 844-472-7905 to adjust your coverage.

  • The number of kilometres driven per year is one of our rating variables when we calculate your price. 

    If you need to update the number because you find that you’re driving more or less than you originally thought, just give us a call or email your broker at support@onlia.ca. 

  • Excluding a driver in your household means they won’t be covered under your Onlia insurance. Because of this, they won’t be factored into your auto premium.

    Excluding a driver in your household shouldn't be taken lightly. We can't cover damage caused by an excluded driver when they’re driving your insured vehicle.

  • To exclude a driver from your household, send a request to support@onlia.ca.

  • Though not required by law in Ontario, we include Family Protection coverage as a standard feature in our car insurance because of the important protection it provides.

    Please contact us if you wish to remove it from your policy.

  • Send your broker an email at support@onlia.ca or give us a call at 1 844-472-7905 to arrange.

  • Congrats on tying the knot! 🎉

    If your spouse has a driver’s licence — and doesn’t already have insurance with another company — they need to be added to your insurance, even if they don’t drive very often. It's to ensure they’re fully covered under your policy if they’re ever involved in an accident (either as a driver or a passenger).

    Adding a driver to your insurance is easy. Simply sign into your account and navigate to Change Requests. Select Auto, and follow the steps to add a driver.

  • Congratulations on the new licence! 🎉

    Just email a copy of your licence to us at support@onlia.ca. We’ll update your account for you.

  • Milestone achieved! 🎉

    Simply sign into your account and navigate to Change Requests. Select Auto, and follow the steps to add a driver.

    Adding a new driver to your insurance allows them to start building their insurance history. Not to mention you have the added security of knowing they (and others) are protected in case anything happens.

    Learn more about the requirements for the different licence classes on the Government of Ontario’s website.

  • Since they still have occasional access to your vehicle(s), you’ll still need to make sure they are covered in the event of a collision. Adding a new driver to your insurance means that they can be protected under your policy if they are injured in a collision – even if that collision takes place while they are a passenger in someone else’s car.

  • Even if the other drivers in your home have their own insurance policy, and even their own car, it’s still part of our due diligence to be aware of anyone else who may at some point drive your car. And just to be on the safe side, we assume that any licensed driver who lives in your household may end up behind the wheel of your car at some point.

  • If you’re moving, and staying in Ontario, you need to update your auto insurance policy if you've moved, have a new mailing address or changed the location where your vehicle is parked. 

    Here's how you can update your home or mailing address: 

    In your account, go to Change Requests and select Personal. Then select Change of Address. Follow the directions on screen from there.

  • Refer to your pink slip for your insurance carrier's phone number to notify them of the total loss. 

    You then need to either call us to cancel the policy, or let us know if you intend to substitute the vehicle on the policy with a new one. 

    If you're using a rental car in the meantime, don't cancel your policy until you return your rental vehicle.

  • To remove an excluded driver from your policy, send a request to support@onlia.ca. Remember to include their full name, driver's licence number, and date of birth in your email.