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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 3 minutes

    To see your guaranteed quote, just answer a few simple questions – it's that easy. 

  • Buy online

    A couple of clicks is all it takes. Get a quote online now or give us a call. 

  • Manage your insurance online, any time

    You're in the driver's seat. Make updates and manage your insurance online whenever you need to. 

What Onlia's affordable car insurance covers

Our coverage covers your bases — everything that’s required to drive in Ontario comes standard in our car insurance policies. Plus, you'll get extra protection like Ticket and Accident Forgiveness at no added cost.

*Mandatory coverage

Accident Benefits*
Provides medical, rehab and funeral costs to you, your passengers and anyone else injured in a collision.
Third Party Liability*
Covers your legal liability, even if you’re partially at fault for an accident.
Uninsured Driver*
Protects you on multiple fronts, like if you collide with an uninsured driver, or are a victim of a hit-and-run.
Direct Compensation
Helps pay to repair your car when you're deemed not at fault in a collision.
Helps repair or replace your car in the event you collide with another car or object.
Includes coverage for damage or loss due to fire, theft, vandalism, and more.
Rental Car
You’ll have access to a rental car while yours is being repaired or replaced.
Family Protection
If you or a family member is hurt in a collision caused by a driver who is underinsured, we'll cover the difference up to your policy limit.
Ticket Forgiveness
Free for eligible drivers, your premium won’t increase over a minor conviction.
Accident Forgiveness
Free for eligible drivers, your premium won’t increase after your first at-fault accident.

Discover more about car insurance

Add more, save more

Bundle your car and home insurance to save even more

Want even cheaper insurance? Save up to 50% on home and up to 15% on car insurance when you bundle them.