Eligibility for Onlia car insurance

Getting insured online is easy, but how do you know if you’re eligible for Onlia car insurance? Read below to find out, and start a quote when you’re ready.

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

More questions about purchasing car insurance with Onlia

What you need to know about purchasing car insurance from Onlia.
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