Third-party car insurance

Protection against the unthinkable

Onlia third-party insurance covers almost all aspects of injuring another person on the road. 

Add (extra) third-party coverage to your policy

You hope to never use third-party coverage for as long as you drive in Ontario. But you’ll be extra relieved to have it if you’re ever deemed at fault for injuring another person, directly or indirectly, in a collision. Third-party coverage also kicks in if you damage property during a collision, like replacing a fence you drove through.

Basic coverage includes $200K of mandatory third-party coverage. But if you’re using it, you’ll probably need more than that. Onlia makes it easy to get more and hold onto it for as long as you need it.


Think of third-party coverage as help in the absolute worst-case scenario; the odds of activating it are low, but anything more than a 0% chance is worth it when other people’s lives are on the line.

Switch to Onlia in 3 easy steps

  • Get a quote online in just a few minutes

    Fill in a few details to see your price. Checkout, and be covered as soon as the next day.

  • Customize your coverage & see your discounts

    Adjust your coverage based on your needs, and see how much you save with our instant discounts.

  • Manage your insurance online, anytime

    Log into My Account to make changes to your policy. No phone calls required.

What Onlia's car insurance covers

Onlia car insurance policies come standard with what’s mandatory to drive in Ontario. Plus, we include extras like Accident and Ticket Forgiveness at no added cost. Get peace of mind that you’re protected by adding the coverages you need.

Coverage from Onlia

*Mandatory in Ontario

Direct Compensation*
Accident Benefits*
Third Party Liability*
Uninsured Driver*
Rental Car
Accident Forgiveness
Free for eligible drivers
Ticket Forgiveness
Free for eligible drivers

Save more with Onlia Insurance

Our rates are competitive, but who doesn't want cheaper insurance? Onlia's premium discounts are already applied before you check out.