Getting an Onlia car insurance quote
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 are no brokers, phone calls or 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.
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).
How to change your driving history
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).
More questions about car insurance quotes with Onlia
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.
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: personal use vehicles in a business name are acceptable, however we are not able to provide insurance for commercial use vehicles.
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