Eligibility for Onlia car insurance
What qualifies you for Onlia auto coverage? Start a quote today.
To get Onlia insurance, your vehicle must be:
Designed to be distributed and used in Canada
Registered, plated, and located in Ontario for most of the year
Less than 20 years old
Not damaged in any way that would affect its safe operation
Not customized, unless it's for accessibility reasons
Not for commercial use (unless it’s used for a ridesharing, carsharing, or delivery service that provides automobile insurance while you're on the job. We only cover the personal use part of your vehicle.)
Onlia doesn’t cover vehicles that are:
Recreational
Motorcycles
Used for commercial purposes, such as:
Delivery services (e.g., courier, food delivery)
Driving lessons, racing, or speed tests
Carrying passengers for compensation (e.g., taxi, ridesharing, school bus)
Carrying materials to a job site (e.g., building materials)
Your car or truck is outfitted with equipment designed to support your business
You allow employees to drive your car for business purposes
Farming, emergency, or rental vehicles
Vehicles held for sale by a car dealer
What are my options if my previous insurer cancelled my policy?
It depends on why your policy was cancelled. Being cancelled by your previous insurer may impact your rates and/or eligibility with certain providers.
If you were cancelled for reasons such as fraud, misrepresentation, DUI, or a major/criminal conviction, your best bet is a call to your local broker. They can usually provide solutions for those scenarios.
More questions about Onlia's car insurance
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We do insure G1 drivers! The great news is that if they aren’t the primary operator of a vehicle there won’t be any additional premium for them. But, if you’re wondering if you can buy a car with a G1 licence, learn more on our blog.
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Onlia does not insure customized cars, unless it's for accessibility purposes. This includes customizations like:
Performance upgrades (e.g. nitrous, engine swaps, superchargers, air intake valve, etc.)
Aftermarket body or exhaust upgrades (carbon fibre hood, body kits, racing seats, roll bar/cage, shaved door handles, etc.)
Altered or hydraulic suspensions
Custom murals/graphics/paint
Aftermarket tachometer
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We do not offer coverage for right-hand drive vehicles. We only insure regular vehicles designed for use in, and distributed in the Canadian market.
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There are situations where we're unable to insure someone. They include:
Significant at-fault collisions in the past 6 years
Major traffic or criminal convictions in the past 3 years
Having previous insurance cancelled
History of fraud, misrepresentation, or non-payment.
Whatever your situation, feel free to get a quote and we’ll let you know if we can insure you, or if there are any reasons why we aren’t able to.
More questions about purchasing car insurance with Onlia
What you need to know about purchasing car insurance from Onlia.
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Onlia insurance policies can be effective as soon as the next business day. You’ll know whether you’re approved by the end of our 5-minute quote process. All Onlia policies can be effective as soon as the next business day.
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When you sign up for Onlia insurance, we ask you to make a down payment which equals one month’s worth of insurance premium.
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Your down payment will count towards your last month’s bill. Think about it like last month’s rent: if you ever decide to leave Onlia, you’ll be credited the full down payment amount.
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There's no need to fill out paperwork or send us documents. We've made applying for and buying insurance fully digital.
By completing an application for insurance with us, you agree to all the legal rules and regulations that come with insurance policies in Ontario. You can set up your insurance quickly, and when it's convenient for you. Simply add your quote to the shopping cart and follow the prompts.
