Getting an auto insurance quote

  • If you have more than one car to insure, that's no problem. Your quote or policy can have more than one car on it. Simply do this online while you're getting your quote, or give us a call at 1 844-472-7905.

  • Can't find your car's exact model, or aren't sure about the exact model? Try entering your VIN into the vehicle search bar.

    Newer vehicles might not be added to our search list yet. This list is updated once a month, so you can try again soon!

  • A leased vehicle needs special coverage to protect the leasing company (lessor). This doesn't cost you anything extra. When getting a quote with us, indicate that your vehicle is leased — we'll automatically include this coverage on your policy.

  • Your years licensed and/or claims-free years will depend on how long you were licensed prior to moving and whether your country has a license exchange program with Ontario.

  • If your country has a license exchange program with Ontario, then your years licensed will be converted by the MTO when they issue your license. If your country does not have a license exchange, then you should default to the date you obtained your Ontario licence.

  • You need a valid Ontario or Alberta driver’s licence to apply for insurance through Onlia. This includes Ontario licence classes G1, G2 and G, or the equivalent to G (A, B, C, D, E or F) and Alberta class 7, 5-GDL, and 5.

  • In most cases we can insure your vehicle. To get started, call a broker at 1 844-472-7905.

  • If you can’t remember your claims, ticket, or licence history, include those details to the best of your knowledge.

    We’ll review your driving record before you complete your purchase. You’ll receive a notification if there’s anything you missed that affects your price or eligibility.

  • When you provide your driver's licence number, we can search for your record and insurance history through sources like CGI Autoplus and the Motor Vehicle Record (MVR) through the Ontario Ministry of Transportation.

    Your driver’s record will provide us the details of your driving history over the past 3 to 5 years.

  • This information has been received from the Ministry of Transportation and previous insurance providers that you were with, and unfortunately, we’re not able to change it for you.

    To update driving record details (licence, tickets and convictions, etc.)

    Contact the Ministry of Transportation or Service Ontario to correct any wrong information. Once it's been updated, the changes could take up to a month to be reflected online. 

    To update insurance history (collisions, policy cancellations, etc.)

    If your insurance history isn’t correct, we suggest you contact the Complaint Officer/Ombudsman of your previous insurer(s) to make things right. They can work with you to update your collision and claims history.

    Note that although you may have not reported an accident or thought it wasn't required, the third party involved in the accident may have reported the loss. If this is the case, your insurance history report will show this claim.

  • Anyone with a valid driver's license who will be driving your car frequently should be added as a secondary driver to your policy. If someone in your household has their own vehicle and insurance, then they do not need to be added.

  • G1 drivers in your household should be added to your insurance policy when you're getting a quote. This has no impact on your premium if they are not the primary driver of your vehicle.

  • The primary driver of a vehicle is the person who drives it the most.

    Secondary and occasional drivers also use the vehicle, but not as often.

    The difference between secondary and occasional comes down to age. If a driver is over 25, we consider them a secondary driver. Anyone younger is generally considered an occasional driver. This designation helps us determine the cost of your insurance.

  • Do you need to drive to do your job? Business use refers to how often you use your vehicle to travel for work (other than getting to and from your place of employment). It can include using your car to carry work-related items like paperwork, sale signs, or your laptop, or using your car to drive to clients. 

    These are not covered under business use:

    • Driving for a rideshare or delivery service that does not provide insurance while you're on the job.

    • Using your vehicle to transport tools.

    • Making deliveries of any kind.

    • Other commercial purposes (e.g. using your vehicle for a driver-training service).