Choose the best coverage for your car insurance
Plus, it’s easy to add additional coverage as needed.
Accident ForgivenessThe 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 ForgivenessWe 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 OptionWe 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).
Comprehensive includes coverage for the unexpected such as:
- Falling objects (hail, trees, alien spaceships, etc.)
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
Are passengers in my car covered if they get hurt in a collision?
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.