Choosing the Right Auto Coverage
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Your Onlia insurance policy comes standard with all the coverage you need to drive legally, plus collision and comprehensive coverage (also called "full coverage"). You can confirm your coverages on your certificate of auto insurance and modify them through your account.
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If you're an existing customer, your policies come standard with all the coverage you need to drive legally, plus collision and comprehensive coverage.
You can opt out of collision and comprehensive coverage if you want liability coverage only, however, this is not something we recommend as costs associated with vehicle repair or replacement can be extremely high.
If your car is financed or leased, the companies who have a financial interest in your car may have requirements about the minimum coverage on it. If you are unsure, it’s best to give them a call first.
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As of January 1, 2024, DCPD is optional. The Ontario government passed the Ontario Policy Change Form 49 (OPCF49) in December 2022, thus making the coverage optional.
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We highly recommend having the same liability on all your insured vehicles.
Not only do you provide yourself with more coverage, but it also avoids confusion about limits and coverage when two vehicles are involved in a collision.
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Here’s how insurance works for Uber in Ontario: All passengers and drivers who use these ridesharing companies are covered as soon as the app is turned on until the moment the passenger(s) leave the vehicle. When the app is turned off, the vehicle owner’s personal auto insurance policy applies. For more details, contact a broker at 1 844-472-7905.