Choose the best car coverage
What does Onlia's car insurance cover?
In Ontario, there are coverages that are mandatory for all drivers, and then there are additional coverages that can be added to your insurance policy to boost your protection.
Onlia's standard car insurance policies include the four coverages that are mandatory for drivers in Ontario.
Mandatory coverages:
Uninsured Automobile coverage
This protects you financially on multiple fronts: if you collide with an uninsured driver, if you’re the victim of a hit-and-run where the driver is unknown, or if a driver’s coverage limit isn’t enough to pay your costs.
Combined, the basic package will cover you for a variety of situations you may encounter out on the road. But it’s far from exhaustive. Depending on your needs as a driver, and the budget you have for your car insurance, you may want to consider further protection (like increasing your liability or accident benefit coverage). Onlia has plenty of add-ons to offer.
Third-Party Liability coverage
This covers your legal liability even if you’re partially at fault for an accident. Anyone that suffered injury or property damage (a driver, passenger, pedestrian, or property owner), can pursue a legal settlement. Third-party liability coverage will pay for legal fees and any expenses you’re deemed responsible to cover.
Accident Benefits coverage
This provides medical, rehab and funeral costs to you, your passengers and anyone else injured in an accident. Most importantly, it protects you by paying for any medical costs that aren’t covered by the Ontario Health Insurance Plan (OHIP).
Additional coverage
Along with all the coverage you need to legally drive in Ontario, every Onlia auto insurance policy comes standard with valuable features that other insurance carriers often try to upsell you on.
DCPD: Direct Compensation — Property Damage
This helps pay to repair your car when you were deemed not at fault. If you’re partially at fault, it will provide partial coverage. For example: if you’re considered 10% at fault for an accident, you’ll receive up to 90% of the cost of repairs.
Accident Forgiveness
The first round is on us. We promise not to increase your premium if you get into your first at-fault accident, depending on how many years you’ve been driving with a clean record.
Ticket Forgiveness
We get it, mistakes happen. Depending on how many years you’ve been driving with a clean record, we promise not to increase your premium over a minor conviction.
75% Settlement Option
We make it easier to replace your vehicle instead of fixing it (if that’s what you want). After an accident, you can have your vehicle considered as a total loss if the damage estimate is more than three-quarters of its insured value.
Curious about Direct Compensation — Property Damage?
More coverages to build out your policy
This allows you to accept compensation for giving colleagues a ride to and from your workplace. A little gas money for you, and an easy commute for them. Note that this is NOT coverage for ride-sharing or taxi services like Uber, Lyft or Turo.
Collision & comprehensive coverages
“Full coverage” can mean different things depending on who you ask. We don't use the term officially, but for our purposes here, you can think of it as the mandatory coverage you need, plus Collision and Comprehensive coverage.
Collision coverage pays for damage to your car if you get into a Collision with another object, or experience a rollover. You'll be financially protected if your car is damaged after:
- A collision with another car
- Hitting a fixed object like a pole, wall, fence, etc.
- Rolling your car (e.g. by skidding on ice).
Comprehensive includes coverage for the unexpected such as:
- Fire
- Theft
- Vandalism
- Falling objects (hail, trees, alien spaceships, etc.)
- Flood
- Lightning
- Explosions
- Hail
- Earthquake
Online car insurance with Onlia
We recommend Collision and Comprehensive coverage if:
- Your car’s value is not something you can comfortably afford to cover
- Your car is less than 7 years old
- Your car is leased or financed (many lessors/lienholders may require you to have full coverage)
- Your lifestyle requires you to have access to a car at all times
Note: “Full coverage” does not mean you have all the coverage you may need for your situation. When purchasing insurance, take some time to review all your options, including increasing your liability and accident benefits coverage.
Flexible policies you can change at any time
I'm not using my car as often
Onlia customers are able to modify their insurance policies online, at any time, using the options available in My Account. If you’re looking for ways to lower your premium, there are quite a few ways to do just that.
- Increase your deductible, which lowers your monthly payments
- Remove optional coverages
- Lower your daily kilometres driven
Calculate savings
Before you make any changes to your policy, it’s important to think about the 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.
I'm not using my car at all
- You can cancel your policy anytime with no penalties. Before you do, double-check with your financing/leasing company. Some may require a certain level of coverage on your vehicle, even if you aren’t driving it.
- Cancelling your policy will leave you at risk, even if you aren’t driving at all. For example, you’d be on the hook if your car were to get stolen or damaged while uninsured.
If you're new to Onlia, you can customize your coverages. It's easy:
- Log into My Account, select the policy you’d like to change, and follow the on-screen instructions.
More on car insurance coverage from Onlia
Every automobile insurance policy in Ontario has a standard amount of accident benefits coverage. Usually, these are the coverages that would kick in to cover you and the passengers of your vehicle if you have been in a collision that caused an injury.
Make sure you take some time to review your accident benefits coverages to see if the standard amount meets your needs. There are enhanced options available for purchase.
Note: like all claims, injuries are subject to policy conditions.
If you are thinking of taking a road trip, you can drive your vehicle anywhere in Canada or the continental United States.
Note: Auto insurance varies from province to province. This means for your insurance to provide the coverage it was designed to, your vehicle needs to be in your province of residence for the majority of the year. Otherwise, you’ll need a different type of insurance.
Like any potential claim, you need to have the right coverage in place. Here are some animal-based scenarios to consider:
- Did the animal wander into traffic suddenly (think a deer darting into the middle of the road)? This is usually covered through the comprehensive portion of your policy.
- Animal carcass sitting in the middle of the road (roadkill), and you drove into it? This would likely be covered under the collision component of your insurance.
In either case, your deductible will apply.
Drive safe, earn rewards
