Unlock savings on car insurance in London

Getting affordable car insurance in London is vital when you’re trying to balance your budget. There are a few things you can do to find the most affordable car insurance:

• Choose the right car
  Insurers use the Canadian Loss Experience Automobile Rating (CLEAR) system to determine the likelihood of your car being involved in a claim, and how much it might cost. Choosing one with a lower CLEAR number can help you get the cheapest insurance possible.
• Adjust your coverage to reflect your needs
  You can decrease the amount of coverage, increase your deductible, or remove optional endorsements to shave a little extra off your monthly cost. Remember though, you may pay more out of pocket when you make a claim, and you may have less protection when decreasing coverages.
• Bundle your home and auto insurance
  Most providers will offer significantly discounted rates when you insure your home and car(s) with them.
• Take advantage of discounts
  Most providers offer discounts for things like being claims-free, insuring multiple cars, and installing winter tires. Find one that puts the most money back in your pocket. See Onlia’s car insurance discounts.
• Use a safe driving app
  Safe drivers save more — Onlia customers can get up to $50 cashback each month by driving with the Onlia Insurance^TM app.

Why London drivers should choose Onlia

When choosing an insurance company in the the Forest City, consider factors such as coverage options, affordability, reputation, customer service, specialized services, claims handling and available discounts.

Onlia makes buying and managing your insurance simple:

• You can add or subtract your coverage as you see fit.
• You have the freedom to make your own insurance decisions.
• No paperwork or phone calls required to buy your manage your policy, saving you more time (and money)

In order for you to drive in Ontario, you need the minimum coverage:

• Third-party Liability: Protects you when you’re responsible for an auto accident in which someone else is injured, killed, or has their property damaged. Learn more about Third-party Liability coverage.
• Accident Benefits: Covers certain aspects of injuries to you/your passengers because of an automobile accident.
• Direct Compensation – Property Damage (DCPD): Covers damage to your vehicle when you’re in an accident that’s not your fault.
• Uninsured Automobile: If you're in a collision where the other driver is at-fault but doesn't have insurance, your insurance provider will cover the damage to your vehicle. Learn more about Uninsured Automobile coverage.

Along with all the mandatory coverage you need to legally drive in Ontario, you can round out your policy with extra protection. 

Extra coverages can include:

• Family Protection: 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: Our enhanced get-around guarantee gives you more options when it comes to rental cars if your vehicle is damaged in an accident.
• Optional Accident Benefits Coverages: Standard Accident Benefits provide compensation if you, your passengers, or pedestrians are injured, as the result of an incident. You can increase this protection by adding more coverage.
• Automobile Purchase/Leased Price Guarantee: In the event of an accident that damages your vehicle beyond repair, if you bought or leased your car new, we’ll pay to replace it with a new one that’s a similar make and model.
• Permission to Carry Paying Passengers: This allows you to accept compensation for giving colleagues a ride to and from your workplace.

When selecting car insurance for driving in London, consider the following:

• Adequate coverage: ensure the policy provides sufficient coverage for your needs, including liability, collision, and comprehensive coverage. London's busy roads may pose higher risks, so comprehensive coverage can be beneficial.
• Accident forgiveness: look for insurance companies that offer accident forgiveness programs. Onlia has this feature to prevent your rates from increasing after your first at-fault accident.
• Uninsured/underinsured motorist coverage: due to the high number of vehicles on London roads, there's a possibility of encountering uninsured or underinsured drivers. Having this coverage protects you in case of accidents involving such drivers.
• Enhanced liability coverage: considering London's dense urban environment, higher liability coverage limits can provide extra protection in case of severe accidents.
• Discounts and bundling: Onlia’s discounts are applied automatically and they range from small discounts on things like winter tires to bigger discounts when you bundle your car and home insurance.
• Local expertise: Onlia is only available in Ontario so we’re experts on what’s local and we understand the unique driving conditions in London.