Getting an Onlia car insurance quote
The convenience of online insurance
Onlia has everything online. That means you can easily get a quote and buy insurance in just a few minutes. There are no brokers, phone calls or paperwork.
You cannot buy Onlia insurance through a broker. We set up our insurance to be easy to purchase and manage by you.
Unfortunately, temporary insurance is something we don’t provide. However, we have a flexible cancellation policy. If you decide to sign on with us, you cancel any time and pay for the day you’re covered. There are no fees or penalties.
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 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
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
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
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.
Daily premium structure
Our daily premium structure is the first of its kind in Canada. With Onlia, you'll pay only for the exact number of days you have insurance in a month (rather than paying a monthly average, or an entire year upfront). For example, let's say your premium works out to be $5 a day:
$5 a day x 31 days = $155 a month
$5 a day x 30 days = $150 a month
Most months are 31 days, so we quote you for that number. You'll pay a little less in shorter months. Every dollar counts, right?
Bundle your car and home insurance for more discounts — you could save 15% on car and 20% on home when you bring both policies over to Onlia.
You’ll save more than money when you bundle; manage both your car and home o policy online with easier. 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.