Getting an Onlia car insurance quote 

Questions about getting a quote for Onlia car insurance? You’ve come to the right place.

Is Onlia insurance only online?

At Onlia, we've got everything online so that you can easily get a quote and buy insurance in just a few minutes! No brokers, phone calls, or paperwork required :) Since you're in control, our team is unable to provide a quote or set up a policy for you.

You can't buy Onlia insurance through a broker. We set up our insurance to be easy to purchase and manage.

Does Onlia offer temporary insurance?

While we don’t offer temporary insurance, we do have a very flexible cancellation policy. If you decide to sign up with us, you can cancel anytime and pay only for the days you’re covered. There are no cancellation fees or penalties.

Does Onlia insure 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.

I can’t find my vehicle model

Can't find your car's exact model, or aren't sure about the exact model? Try entering your VIN into the vehicle search bar. The newest vehicles might not be added to our search list yet, but it’s updated each month.

What qualifies as business use?

Do you need to drive to do your job? 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).

Does Onlia insure drivers with foreign driving history?

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.

New to Ontario and have no prior insurance history in Canada? We give you 3 claim-free years as a baseline.

I can’t remember my 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.

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Get an affordable car insurance quote from Onlia in minutes and be covered as soon as the next day.

The driving history pulled is incorrect. How do I change it?

This information has been received from the Ministry of Transportation and previous insurance providers that you were with, and unfortunately, we’re not able 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.

Do I need to add other drivers in my house to my policy?

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.

Primary vs. secondary drivers: What’s the difference?

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.

Excluding a driver in your household

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).

How do I add another vehicle to my policy?

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.

Can I save my quote for later?

You can email the quote to yourself from the Coverage screen. We’ll email a link for you to view it later. Your quote will be saved for 30 days, but note that prices are subject to change. We can only guarantee the price until the end of the day on which the quote was generated. Note that we can't retrieve a quote for you.