Eligibility for Onlia car insurance
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, and less than $150k in value
- 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
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
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
When you sign up for Onlia insurance, we ask you to make a down payment which equals one month’s worth of insurance premium.
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.
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