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
with us, you can cancel anytime and pay only for the days you’re covered. There are no cancellation fees or
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
- 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
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
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
We’ll review your driving record before you complete your purchase. You’ll receive a notification if
you missed that affects your price or eligibility.