Choose the best coverage for your car insurance

Onlia’s taken the guesswork out of car insurance by including what’s mandatory in Ontario as part of our standard policy.
Plus, it’s easy to add additional coverage as needed.

Mandatory coverages in Ontario

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).

Direct Compensation coverage

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.

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.

See how much you can save

Use our savings calculator to see what your insurance savings could be with Onlia.

Onlia policies & 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. If you’re eligible for any of the coverages below, we add them to your insurance automatically. No fuss.

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.

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).


If an event like this occurs, Collision coverage will take care of the costs associated with towing, repairing, or replacing your car up to its current value. While this coverage is not required by law, we recommend you include it for best protection against major out-of-pocket costs.

Comprehensive includes coverage for the unexpected such as:

  • Fire
  • Theft
  • Vandalism
  • Falling objects (hail, trees, alien spaceships, etc.)
  • Flood
  • Lightning
  • Explosions
  • Hail
  • Earthquake


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.

Additional coverages

We have some great additional coverages you should consider adding to your auto policy:

  • Family Protection: While this is not required by law, we think it's too important not to include. If you or a family member is hurt in a collision caused by a driver who is underinsured, we'll cover the difference up to your coverage limit.
  • Increased Third Party Liability: Minimize risk by boosting your liability coverage limit from $1 million to $2 million.
  • Enhanced Rental Automobile Package: Don’t want a basic rental car? Here’s your solution. Our enhanced get around guarantee gives you more options when it comes to rental cars if your vehicle is damaged in an accident.
  • Automobile Purchase/Leased Price Guarantee: Don’t let vehicle depreciation get you down. In the event of a ‘write off’, as long as you bought or leased your car new, we’ll pay to replace it with a new one that’s a similar make and model.
  • Optional Accident Benefits Coverages: If the standard isn’t enough for your needs, no worries, you can purchase enhancements. Rental Automobile Package: Get a compact rental while your claim is being settled.
  • Permission to Carry Paying Passengers: 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.

Want premium protection at affordable prices?

Get an affordable car insurance quote from Onlia in minutes and be covered as soon as the next day.

Flexible policies and coverages you can change at any time

I'm not using my car as often
You're able to reduce or remove certain coverages easily in My Account. If you’re looking for ways to lower your premium, you can:

  • Increase your deductible, which lowers your monthly payments.
  • Remove optional coverages.
  • Lower your daily kilometres driven.

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.