Renewal

  • Need to cancel your policy renewal? Just call us at 1-844-472-7905 or send an email to support@onlia.ca

    and we’ll take care of it. Be sure to include your preferred cancellation date in the email.

  • Car insurance rates are based on many factors, including government regulations, the cost of vehicle repair, an individual’s driving record, and our predictive analysis of how likely it is that an individual will be involved in a collision. As these factors change over time, they can affect the rate you pay when your insurance policy renews.

    If your rate has gone up, it could be due to significant changes in your situation: for example, if you had any recent collision claims, traffic tickets or convictions added to your record, or the record of another driver on your policy.

    We know an increase in your rate isn’t exactly welcome news. To help bring your monthly payment down, you can consider adjusting your policy's coverage and deductible, or bundle your home and auto insurance for a significant discount.

  • There are many factors taken into consideration with an insurance carrier’s underwriting guidelines. From past claims to future claim predictions, the biggest factor is postal code. Reviewing your policy each year ensures that the variables and information regarding your home are correct and updated to provide you with the best-suited insurance protection while gaining all applicable discounts.

    To ensure you have the best-suited property insurance premium, we encourage you to review your renewal each year. Here are some options you have to reduce your premium:

    • Increase your deductible

    • Install a home security system or monitored alarm

    • Let us know if you’re mortgage-free

    • Ensure everyone residing in your home is a non-smoker

    • Bundle your property insurance and your auto insurance

  • Changes to your driving record (like an accident, ticket or conviction) will automatically be considered when your policy is up for renewal. Any changes may affect your premium.

  • Minor tickets only remain on your driving record for 3 years after the date paid, and we'll only rate for minor tickets at the start of your policy or on renewal.

  • One ticket won’t necessarily have an impact on your premium.

    That said, if you have been convicted of an offense under the Highway Traffic Act, there may be some implications. Depending on how many minor convictions you’ve had within the last 36 months, you could see a surcharge between 0-50% of your policy’s premium applied to your account. Higher surcharges are only applied in more extreme circumstances with multiple convictions.

  • Demerit points on your licence won't impact your insurance. It’s the ticket itself that does.

  • That depends on the nature of the collision. Any recent at-fault collisions you have on your claims record can increase the rate you pay. Collisions, where you were not at fault, do not affect your rate.

  • Your premium will never go up because you got hurt. It also won’t go up if you receive accident benefits – they’re meant to help you recover, and you should never feel conflicted about using them if you need them. However, if you were responsible for the collision (at fault) your premium may go up as a result of that.

  • The principal operator and all other listed drivers must be accident free in the preceding 6 years to qualify for accident forgiveness. If the driver ends up having their first at-fault, we promise we won’t increase your premiums.