Choose the best coverage for your car insurance
Plus, it’s easy to add additional coverage as needed.
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. If you’re eligible for any of the coverages below, we add them to your insurance automatically.
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.
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:
- Falling objects (hail, trees, alien spaceships, etc.)
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