We use cookies

We take your privacy seriously. We use cookies to personalize you content and make your digital experience better. Certain cookies may be collected with your consent

Personalize Your Cookies

Cookies are small files placed on your device. They allow us to remember your preferences and give us information on how you interact with our site. If you authorize cookies, they get stored on your device and we can access them on your future visits.

Essential Cookies (These cookies are required)

What are essential cookies?
Essential cookies allow you to access all our site features and to browse in an optimal and secure manner. They also let us ask for your opinion and measure your satisfaction on a specific topic.
Car insurance for newcomers

New to Canada? We’ve got you covered

  • Buy insurance today, be covered when you land.
  • Onlia recognizes out-of-country driving experience.

Let Onlia make your transition to Canada seamless

Car insurance is mandatory in Ontario, but your out-of-country licence is good for 60 days after moving here – as long as you have an English or French license, also known as an International Driving Permit. You can request one from the licensing authority in your home country. 

Once you’re ready to get a quote for Onlia Insurance, visit the Ministry of Transportation to get a valid Ontario licence before you apply. 

Getting an Ontario driver’s licence

You can exchange your home country’s driver’s licence for an Ontario one from the Ministry of Transportation.

The process is easier from other Canadian provinces or territories, as well as the U.S., Australia, Austria, Belgium, France, Germany, Great Britain, the Isle of Man, Japan, South Korea, New Zealand, Northern Ireland, Republic of Ireland, Switzerland, and Taiwan.

Bring your license to a DriveTest centre and they’ll take you through the steps and get you to do a quick vision test.

If you have less than two years of driving experience, you’ll have to take a road test. That means if you’ve been driving for 14 months, you’ll have to wait another eight months. In that time, you can get to know Ontario’s rules of the road.

What newcomers get with Onlia

New to Ontario and have no prior insurance history in Canada? We give you three claim-free years as a baseline.

We're one of the few insurers who considers out-of-country licensed years, as long as the MTO has your foreign driving record registered. You can contact them, and consult your drivers abstract to confirm your total number of licensed years.

You'll need a valid Ontario driver’s licence to apply for Onlia insurance. For claims, we collect information from the CGI AutoPlus insurance history database. 

If you cannot exchange your licence

What Onlia's 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.

Save more with Onlia Insurance

Our rates are competitive, but who doesn't want cheaper insurance? Onlia's premium discounts are already applied before you check out.