Claims
Everything you need to know about Onlia insurance claims
General claims information
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You can report a claim by calling us at 1-844-472-7905. Select the Claims option in the menu and choose your insurance provider.
If you’re unsure who your provider is, refer to your pink slip or certificate of insurance. It should also list the direct number of your carrier.
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Our claims team is available 24/7. If you're in an emergency and need to report a claim right away, rest assured that you can do so any time of day. Learn more about our service here.
You can report a claim by calling us at 1-844-472-7905. Select the Claims option in the menu and choose your insurance provider. If you’re unsure who your provider is, refer to your pink slip or certificate of insurance. It should also list the direct number of your carrier.
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You can expect to hear from an adjuster within 48 hours of submitting your claim.
Auto insurance claims
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Here are some steps you can take in a scenario like this:
Get the driver’s licence information of the other driver. If the driver is not willing to provide this, take a photo of the licence plate or write it down.
Take photos of the damage, and of the other car if you can.
Call the police. Even if the accident is minor, collisions with an uninsured driver must be legally documented.
The police officer may direct you to a Collision Reporting Centre where you must provide all the information you have about the car and the plate number.
Contact your insurance company via phone to get your claim started. You can reach them via 1-844-472-7905, choose the Claims option and select your insurance provider. Alternatively, you can find their direct number on your pink slip or certificate of insurance.
These situations can be stressful, but we’ll work through them together!
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You must report a collision to the police if one of the following scenarios apply:
A person is injured (even slightly).
The total value of damages to property is over $2,000. It’s not often that you’ll have an accident where the total damage is under $2,000 because you need to take into consideration both the damage to your vehicle and any other vehicle involved. Don’t forget any peripheral damage, like a streetlight, fences, mailbox, etc.
When the collision was caused by a cyclist, or vehicle hitting an open door on your vehicle - irrespective of injuries or the value of the damages.
In most cases, the police will ask you to visit a collision reporting centre to report your accident. Rules differ municipally, so make sure you follow the due process as requested by the police.
If the third party is unknown, you must get a police report within 24 hours of the damages since this could impact your coverage. Instances include hit-and-runs, single-vehicle collisions and damages whilst the vehicle is parked.
If your driving takes you outside of Ontario, the rules of the road may change. Contact the local authorities to confirm what to do in case of an accident.
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Need a tow? We’d recommend that you give us a call at 1-844-472-7905 and select the Claims option. We can point you in the right direction. If you have the right coverages in place, this may be covered as part of your claim.
The towing industry can be confusing when it comes to charges and fees, especially when a police officer tells you to move your car and an eager tow truck is ready to hook up your vehicle. Take a look at this informative blog to make sure you know your rights when you need a tow.
Home insurance claims
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You can start a claim by calling us at 1-844-472-7905 and selecting your insurance provider in the Claims menu. Alternatively, you can find your provider's direct number on your certificate of insurance.
It’s useful to have the following information on hand. The more information you can provide upfront, the faster your insurance company can help you:
Photos of the damage/scene.
Receipts for any out-of-pocket expenses.
Receipts for any lost or damaged items.
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We’re sorry that happened, and hope everyone is safe!
First, call the police to file a report. Then give our Claims team a call at 1-844-472-7905 to let us know what happened. We’ll help you secure your home so it’s safe to stay in and walk you through every step of the claims process.
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Try your best to stay calm, because it can be a pretty stressful event. Then you should do the following:
Turn off any electricity, if it’s safe to do so.
Shut off the water source.
Locate the leakage.
Determine if any household items can be removed or salvaged to prevent further damage.
Call us at 1-844-472-7905 to report your claim. Alternatively, you can find your insurance provider's direct number on your certificate of insurance.
Injuries
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You’ll need to report your claim within 7 days of the accident, or as soon as possible so that your insurance company can best advise you on what compensation you’re eligible for.
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The benefits you can receive depend on what kind of injury you have, and how severe it is. Every person’s situation is unique; we’ll work with you to determine how much help you need to get back to normal life.
You can see the details of your accident benefits coverage in your account. Click Risks and Policies at the top, and navigate to the policy you want to review. Scroll down to see a list of your policy's coverages. You can also download your Confirmation of Auto Insurance on this page, which provides a more detailed breakdown of your coverage.
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Your insurance includes accident benefits that will be there to help you. You may qualify to receive one of the following:
Income Replacement
If you’re injured in a collision and can’t work, we’ll provide up to 70% of your gross income to a maximum of $400 a week. Keep in mind that there is a 7-day waiting period from the date of disability.Depending on your and your family’s situation, you may want to upgrade this benefit to pay more while you’re out of work. You can do this any time in your account.
Caregiver and Home Upkeep
If you experience a catastrophic injury due to a collision and need help caring for someone who depends on you (e.g. a child or a person with a disability), we’ll provide up to $250 a week to hire a caregiver. For each additional dependant, you’ll receive up to another $50 a week. You can also upgrade this benefit to make it available for all injuries.Non-Earner Benefits
If you don’t earn income and are in a collision that stops you from carrying on with normal life, we’ll pay you $185 a week to help with expenses while you recover. Keep in mind that this benefit is only payable after the first 4 weeks following the date of disability for a maximum of 2 years.You can see all the details of your accident benefits coverage on your Certificate of Auto Insurance.