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WAYS TO SAVE

Discounts on car
& home coverage

See how much you can save.

Car Insurance Discounts

Onlia Insurance looks out for you by helping you save more. One way we help you is through our discounts on car insurance, which are automatically applied once you are eligible. 

Bundle Car & Home

What you can save: 20% off home insurance, 15% off car.
How you can save: Insure your home and car with Onlia.

Conviction-Free

What you can save: 20%
How you can save: Have zero convictions over a three-year period.

Graduated Licensing

What you can save: 10% off your first year when you graduate to a new licence level.
How you can save: Have your G2 or G licence and a good driving & insurance history.

Multi-Car

What you can save: 20% off per car.
How you can save: Insure two or more cars on the same Onlia account.

New Car

What you can save: 10%
How you can save: Insure a car from 2020 or above.

Renewal Loyalty

What you can save: 5%
How you can save: Be an Onlia customer for 3 or more years.

Retiree

What you can save: 5% off accident benefits coverage.
How you can save: Be retired and maintain a good driving record.

Winter Tires

What you can save: 2%
How you can save: Have winter tires installed.

Home Insurance Discounts

Check out all the ways you can save with Onlia on home insurance. Our discounts are automatically applied to your policy once you are eligible. 

Bundle Car & Home

What you can save: 20% off home insurance, 15% off car.
How you can save: Insure your home and car with Onlia.

Burglary & Fire Alarm

What you can save: 5%
How you can save: Up your home security game with a monitored alarm system.

Credit Score

What you can save: 10% to 50%
How you can save: Agree to a light credit check.

Mortgage-Free

What you can save: 15%
How you can save: Insure a home without a mortgage.

Renewal Loyalty

What you can save: 5%
How you can save: Be an Onlia customer for 3 or more years.

Other Insurance Discounts*

AFFINITY
What you can save: 5%
How you can save: Have a G2 and good driving history.

 

GROUP
What you can save: Up to 10%
How you can save: Join with others in your workplace, union or organization for a group insurance policy.

Frequently asked questions

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Onlia offers a bundle discount of 20% on home insurance, and 15% on car insurance. Eligible discounts are applied automatically when getting a quote.

Onlia offers significant savings when you protect your car and home with us. You'll get a discount of 15% on car insurance, and 20% on a home.

We love when drivers contribute to making Canada's roads safer for everyone who shares them. That's why we offer the following safe-driving discounts that, together, could save you over $500* every year:

  • Winter Tire (2%)
  • Conviction-Free (10%)
  • Graduated Licensing (20%)

You can also save up to 30% the longer you've gone without an at-fault claim.

Get started with a quote to see how much you can save. Eligible discounts are applied to your quote automatically.

We’re committed to helping you save money on insurance by offering significant discounts for bundling home & auto, driving safely, and more! Discounts you’re eligible for are applied automatically, which means you’ll always get the best price we’re able to offer.

How to get discounts

As you proceed with getting a quote, certain discounts will become available based on your unique details. For example, we’ll ask if you use winter tires seasonally, or if you protect your home with an alarm system – you’d get a discount in either case. When you receive your quote, the discounts you qualify for are listed alongside your price.

Bundling your insurance

Some of the biggest discounts you can get with Onlia are for bundling your insurance. These include:

  • Home & Auto Bundle (15% off auto, 20% off home)

  • Multi-Vehicle Discount (20% off per vehicle)

Bundle discounts are applied to your shopping cart after you’ve completed quotes for each car or home you’re insuring. If you’ve got multiple assets to protect, be sure to add them to your cart to see your final discounted price. The more you bundle, the more you’ll save.

How discounts are calculated

Discounts apply to your price in sequence, rather than as a total percentage applied all at once.

Example: Let’s say you have a basic, non-discounted premium of $1,000 annually. But good news –  you’re eligible for a 20% claims-free discount, and a 15% bundle discount! Here’s how this would be calculated:

  • $1,000 – 20% = $800

  • $800 – 15% = $680

In this example, your premium would be $680 after discounts. It doesn’t matter in which order discounts are applied; the final price will always be the same. As a note: certain discount percentages apply to specific coverages; others apply to your entire account across multiple policies. However discounts apply, so you can rest assured the amount you’re saving is correct.

Full list of available discounts

See all the discounts Onlia offers here:

SAFE DRIVERS SAVE MORE

Earn $600* cashback with the Onlia Insurance™ app

Drive safely with our app to earn up to $50 cashback every month. Plus, you can start a claim, and view important policy documents right from your phone.