How to get a car insurance quote in minutes with Onlia
Questions about getting a quote for Onlia car insurance? You’ve come to the right place.
The convenience of online insurance
Onlia Insurance is all online. That means you can quickly get a quote, buy, and manage your insurance in just a few clicks. There’s no phone calls or heaps of paperwork — just you and your insurance. Plus, our customer support team is here to help when you need it.
Our digital platform is straightforward and easy to use from when you get a quote, to when you need to make a claim.
Policy Cancellations
Insurance policies are contracts, so there will be some cost for canceling before your renewal date. The cancellation penalty amount will be determined by your annual premium and the amount of time left on your contract.
Before you cancel, please call your Onlia insurance broker team to review your coverages. We can guide you through any costs associated with your current policy so you can make the best decision for your budget and coverage needs.
Leased vehicles
A leased vehicle needs special coverage to protect the leasing company (lessor). This doesn't cost you anything extra. When getting a quote with us, indicate that your vehicle is leased – we'll automatically include this coverage on your policy.
Finding your vehicle model
Try entering your Vehicle Identification Number (VIN) into the vehicle search bar. Newer vehicles might not be added to our search list yet, but it’s updated each month.
Business use
Business use refers to how often you use your vehicle to travel for work (other than driving to and from your place of employment). It can include using your car to carry work-related items like paperwork, sale signs, or your laptop, or using your car to drive to clients. These situations are not covered under business use:
Driving for a rideshare or delivery service that does not provide insurance while you're on the job.
Using your vehicle to transport tools.
Making deliveries of any kind.
Other commercial purposes (e.g. using your vehicle for a driver-training service).
Delivery and Rideshare use
Onlia can insure your vehicle if you drive for a delivery or rideshare service that provides automobile insurance while you're on the job, because we can only cover the personal use of your vehicle.
Please share how many hours you will be driving for delivery or rideshare services per week so we can ensure you are placed with the right company.
Please review your company’s policy to ensure you have commercial coverage. We are unable to insure vehicles used for delivery and rideshare services that do not provide insurance on the job.
How to change your driving history
This information has been received from the Ministry of Transportation and previous insurance providers that you were with, and unfortunately, we’re unable to change it for you.
To update driving record details (licence, tickets and convictions, etc.)
Contact the Ministry of Transportation or Service Ontario to correct any wrong information. Once it's been updated, it could take up to a month for the changes to be reflected online.
To update insurance history (collisions, policy cancellations, etc.)
If your insurance history isn’t correct, we suggest you contact the Complaint Officer/Ombudsman of your previous insurer(s) to make things right. They can work with you to update your collision and claims history. Note that although you may have not reported an accident or thought it wasn't required, the third-party involved in the accident may have reported the loss. If this is the case, your insurance history report will show this claim.
Can’t remember your driving history?
If you can’t remember your claims, ticket, or licence history, include those details to the best of your knowledge. We’ll review your driving record before you complete your purchase. You’ll receive a notification if there’s anything you missed that affects your price or eligibility.
Household driver exclusion
Excluding a driver in your household means they won’t be covered under your Onlia insurance. Because of this, they won’t be factored into your auto premium. This action shouldn't be taken lightly. We can't cover damage caused by an excluded driver (i.e. when they're driving).
In need of an Ontario licence
You need a valid Ontario driver’s licence to apply for insurance through Onlia.
This includes Ontario licence classes G2 and G, or an equivalent to G (A, B, C, D, E or F).
We’re linked with official databases that store your driving and insurance history, like the Ontario Ministry of Transportation (MTO).
We're one of the few insurers who considers out-of-country licensed years, as long as the MTO has your foreign driving record registered. You can contact them, and consult your drivers abstract to confirm your total number of licensed years. Note that you need a valid Ontario driver’s licence to apply for Onlia insurance. For claims, we collect information from the CGI AutoPlus insurance history database.
We also give drivers new to Canada a three claim-free years as a baseline.
More questions about car insurance quotes with Onlia
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You need to add all the drivers in your household, unless they already have insurance with another provider.
G1 drivers in your household should be added to your insurance policy when you're getting a quote. This has no impact on your premium if they are not the primary driver of your vehicle.
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The primary driver of a vehicle is the person who drives it the most. Secondary and occasional drivers also use the vehicle, but not as often. The difference between “secondary” and “occasional” comes down to age. If a driver is over 25, we consider them a secondary driver. Anyone younger is generally considered an occasional driver. This designation helps us determine the cost of your insurance.
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Have more than one car to insure? After you’ve added your first vehicle to your shopping cart, you can start your next quote for another vehicle.
When you're adding a vehicle to your quote/policy, you'll be asked who the registered owner of the vehicle is. If the vehicle is in a business name, select “A company or business”. You’ll then be able to add the company name and address. If you don't know the address of your financing company, check your pink slip or call the dealership you purchased the car from.
Note: Onlia can insure personal use vehicles in a business name, however we can’t provide insurance for commercial use vehicles. Please visit our sister company, aha insurance, to request a commercial auto quote.
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Yes! We’ll email a link for you to retrieve your quote. Your quote will be saved for 30 days.
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It is! We can guarantee our prices for 30 days from the date of your quote. Even if prices change within those 30 days, our insurance partners will still honour your quoted price.
Premiums
How your car insurance premium is calculated
Think of the calculation of your price as an equation.
This equation has many different variables, and each has a different weighting that can impact your price.
Some of the most important variables are:
Your driving history
Other drivers in your household
Your car and usage, including: ownership, year, make, and model.
Where you live
How much you drive
These items play a role in the calculation of your premium and will explain why your price might be different from that of your neighbour or friend.
Learn more about the factors that affect your car insurance premium.
Bundle discount
Bundle your car and home policies for more discounts — you could save 20% on car insurance and 30% on home insurance when you bring both policies over to Onlia.
When you bundle, you can manage both your car and home policies online to save time and money. Sign in to My Account to make changes like updating your information, adding new vehicles, and even changing your coverage online, all on your own. Learn more about the benefits of bundling with Onlia.
Go online with Onlia
Get insurance that’s easy to manage, without the guesswork. Get a quote online today to see how much you could be saving.
