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.
CUSTOMER SUPPORT

Have a question?

We're happy to help and bring more clarity to your insurance.

We’ll help you navigate insurance

Onlia is dedicated to providing the support you need, when you need it. Buying insurance can be overwhelming — we’re committed to bringing clarity on car and home insurance in Ontario.

Whether you have a question about buying online or a qualm about coverage you need, we’re here for you.

Ways to get support

  • Ask our chatbot

    Our digital chatbot is online 24/7, and can help with inquiries about buying and managing your insurance, submitting claims, and more. Click the pink icon near the bottom of your screen to get started.
  • Use My Account

    View your policy documents, update your information, and even change your coverage in My Account — no phone calls required. Our on-screen prompts are simple to follow, making insurance easier than ever.
  • Explore our FAQ

    You have questions, and we have answers. Explore our FAQ below to find information about eligibility for Onlia Insurance, choosing the right coverage, your premium, and more.

Frequently asked questions

{{ activeGroup.GroupOrginalName }}

Pick a category
Pick a subcategory

Billing

Where can I find my bill?

You can view your current or past bills, in the Billing section of My Account or on the Insurance tab in the Onlia Insurance app.

If you have more than one policy with us, we’ll bill them together even if they have different start dates, so you’ll only have one bill to think about.

What payment methods do you accept?

We accept credit card payments with regular Visa, Mastercard or American Express, as well as Visa and Mastercard Debit. EFT payments from chequing accounts are available for existing customers. 

We don't accept prepaid Visas, reloadable cards, PayPal, or EFT payments from savings accounts.

Can I change my payment date?

Unfortunately, you cannot choose the day of your payment. All payments are automatically withdrawn on the 10th*. 

*If the 10th falls on a weekend or statutory holiday AND your payment method is Electronic Funds Transfer (EFT), your payment will be withdrawn the next business day.

How do I change my payment information?

You can update your payment method in My Account or in the Onlia Insurance app.

My Account:

  1. Go to Account settings

  2. Under Payment information, choose Edit payment method

Onlia Insurance app:

  1. Go to the Insurance tab

  2. Under Payment information, tap Edit

Please note that any changes to your payment information should be made at least 2 business days before your billing date.

Can I make a partial payment?

You can't make a partial payment. You can only make a payment for the full amount.

What happens if the payment date falls on a weekend or public holiday?

Credit card payments are always processed on the 10th of every month.

If your payment method is EFT (bank transfer) and the 10th falls on a weekend or public holiday, your payment will be withdrawn the next business day.

How much is my next bill?

You can view your bill in the Billing section of My Account or on the Insurance tab in the Onlia Insurance app.

New bills become available on the 1st of every month.

I cancelled my policy. Why did you still charge me?

We generate invoices on the first of each month and charge you on the 10th.

If you cancelled your policy after the invoice was already generated, the payment on the 10th has not been stopped. Similar to your phone bill, any changes or cancellations that take place mid-month will be taken into account on your next statement.

If your payment was successful, you'll receive a refund at the end of next month for the days your policy was inactive. Don't worry, you only pay for the time you were insured with us 😊

Why do I have two invoices this month?

This usually happens as a result of a backdated change to your policy, made at the policyholder's request.

One invoice will reflect the cost difference for the change, and the other is your regular monthly invoice.

Why don't the numbers on my invoices add up?

Please get in touch with customer support at 1-844-472-7905 for questions about your invoice amounts.

The website keeps declining my credit card.

Make sure you have entered the correct information on your credit card, including all 16 digits, the expiration date and the CVV code located on the back of the card. Also, check with your bank to ensure the card is valid and is not pre-paid or reloadable. If you have a transaction limit on the card, that may also cause problems.

Can I use the down payment to cover a missed payment?

You can't use the down payment to cover a missed payment. Your down payment goes towards your last month’s bill.

If I cancel my insurance, how is the down payment credited to my account?

Your down payment will be credited to your account. Depending on the standing of your account, you may receive a refund or still owe a remaining balance.

Why does Onlia take a down payment?

Taking a down payment right away means that we can verify payment information instantly – so there’s no risk of accidental missed payments or policy cancellations.

Your down payment will count towards your last month’s bill. If you ever cancel your insurance, your account will be credited the full amount.

What is my down payment used for?

Your down payment will count towards your last month’s bill. Think about it like last month’s rent: if you ever decide to leave Onlia, you’ll be credited the full down payment amount.

Do you charge first and last?

When you sign up for Onlia insurance, we ask you to make a down payment which equals one month’s worth of insurance premium.

Taking a down payment right away means that we can verify payment information instantly – so there’s no risk of accidental missed payments or policy cancellations.

Your down payment will count towards your last month’s bill. If you ever cancel your insurance, your account will be credited the full amount.

If I sign up for insurance, do I have to pay upfront?

When you sign up for Onlia insurance, we ask you to make a down payment right away which equals one month worth of insurance premium.

Your down payment will count towards your last month’s bill. If you ever cancel your insurance, your account will be credited the full amount.

Do I have to pay another down payment when I'm adding a product to my existing account?

If you're adding a new product to your existing account, we don't take another down payment. Make sure to sign in first before starting a quote for a new product.

Why is there a down payment invoice listed under Billing?

We add your down payment invoice to your list of bills so you can see how much you paid at any time. This invoice is only for your records: you already paid your down payment when you purchased your insurance.

Why is my first bill higher than I expected?

Since your first bill includes more than a single month of insurance, it’s higher than a typical monthly bill going forward. Rest assured, there are no extra fees or hidden charges.

Your first bill includes payment for:

  • The current month in full
  • Any time you were insured last month

For example: 

If you purchased a policy on January 1 with an effective date of January 2, your first payment won't be due until February 10th. On February 10th (the billing date), you will be charged for each day you were insured in January, as well as the full month of February. 

You can see a more detailed breakdown of your bill payment in My Account.

When is my first payment?

The timing of your first premium payment depends on when the policy starts:

  • Your policy starts in the same month that you purchased it:

Your first premium payment will be withdrawn next month on the 10th*.

  • Your policy starts in a month following your purchase:

You’ll be charged on the 10th* of the month in which your policy begins.

*If the 10th falls on a weekend or statutory holiday AND your payment method is EFT, your payment will be withdrawn the next business day. 

You’ll receive your bill before your payment date showing what you’ll be charged.

I thought I already paid when I signed up.

The amount that you paid when you signed up with Onlia is your down payment. This payment counts towards your last month’s bill. It does not go towards your first regular monthly bill.

Think about the down payment like last month's rent: if you ever decide to leave Onlia, you’ll be credited the full down payment amount.

Why did my premium change after purchasing my policy?

We experienced a billing issue in June, resulting in an incorrect invoice for some customers. If you’ve been billed for a higher amount than you were originally quoted, it’s possible that your account was affected. If that’s the case, you can expect a refund for the difference before your July bill and will receive 2 invoices in July – one for your refund, and another for your regular July payment.

Only June payments have been affected, and the price you were originally quoted will be honoured. Log in to My Account  to view your invoices.

Have more questions? Connect with a customer support rep for help.

Chat with us, or call us at 1-844-472-7905. We're available Monday to Friday, from 9am to 5pm.

What happens if I miss a payment?

If you miss a payment, you can pay online with a valid credit card through My Account or the Onlia Insurance™ app:

My Account:

  1. Go to Billing
     
  2. Select Make a payment

Onlia Insurance™ app:

  1. Tap the Insurance tab
     
  2. Go to Billing
     
  3. Select Pay now

You can pay an outstanding bill directly from your account starting on the 10th of the month, and up to noon (12 pm) on the last business day of the month.

If you decide not to pay your missed payment directly, we’ll attempt to withdraw the payment for the missed bill, and your next bill, on the next scheduled payment date.

Please note: if you miss two consecutive payments, your insurance will be cancelled.

I missed the payment date. Can I make a payment now?

If you miss a payment, you can pay online through My Account or the Onlia Insurance™ app:

My Account:

1 Go to Billing

2 Select Make a payment

Onlia Insurance™ app:

1 Tap the Insurance tab

2 Go to Billing

3 Select Pay now

You can pay an outstanding bill directly from your account starting on the 10th of the month, and up to noon (12 pm) on the last business day of the month.

Why was I charged an NSF fee? Can you refund it?

NSF fees are issued by your bank if there aren’t enough funds in your account to pay your insurance bill. Onlia does not charge NSF fees, so any refund inquiries should be directed to your bank.

Can I use the down payment to cover a missed payment?

You can't use the down payment to cover a missed payment. Your down payment goes towards your last month’s bill.

My payment hasn't come out yet.

All payments are automatically withdrawn every month on the 10th*. The exact timing of your payment depends on your bank. Please make sure to keep the funds available in your account.

If your payment method is EFT, it can take up to 3 business days until you see the status of your payment on your bank statement. 

*Note that if the 10th falls on a weekend or statutory holiday AND your payment method is EFT, your payment will be withdrawn the next business day.

I’m unable to make my monthly payment. What options are available to me?

We at Onlia know that many customers are dealing with unexpected lifestyle changes. Missing one of your monthly payments will not result in the cancellation of your insurance. Onlia also does not charge any penalties or extra fees for missing a payment. 

If you missed your payment, you can pay online, with a valid credit card, through My Account. All you need to do is sign in, go to the Billing section, and select the option to make a payment. Please make sure to make your payment before noon (12 pm) on the last business day of the month.

If you decide not to make the payment online, the outstanding balance will automatically be added to your next bill the following month.

Please note that if you miss two consecutive payments (i.e. two monthly bills in a row), your insurance will be cancelled for non-payment.

My policy was cancelled for non-payment. Can I pay off the outstanding balance now?

If your policy was cancelled due to non-payment, clearing your balance may only be done through a collections agency. You will be contacted by our preferred agency once they have your file.

Note that any outstanding balance needs to be cleared before you can purchase another policy with us. We recommend getting coverage with a different provider if you need insurance right away.

I thought I already paid when I signed up.

The amount that you paid when you signed up with Onlia is your down payment. This payment counts towards your last month’s bill. It does not go towards your first regular monthly bill.

Think about the down payment like last month's rent: if you ever decide to leave Onlia, you’ll be credited the full down payment amount.

I don't see the option to make an online payment.

You can pay an outstanding bill directly from your account starting on the 10th of the month, and up to noon (12 pm) on the last business day of the month.

You can make a payment in My Account or the Onlia Insurance app.

My Account:

  1. Go to Billing

  2. Select Make a payment

Onlia Insurance app:

  1. Tap the Insurance tab

  2. Go to Billing

  3. Select Pay now

Note: If you currently pay via EFT/direct withdrawal, you need to change your payment method to a valid credit card first. After switching, the option to pay directly will display at the top of the Billing section within a few minutes.

I received a letter that my policy will be cancelled for non-payment.

Two consecutive missed payments will result in a policy cancellation.

You have a final opportunity to pay your outstanding payments and keep your Onlia insurance intact.

You can make a payment in My Account or the Onlia Insurance app, with a valid credit card, between the 10th and  noon (12 pm) on the last business day of the month.

My Account:

  1. Go to Billing

  2. Select Make a payment

Onlia Insurance app:

  1. Tap the Insurance tab

  2. Go to Billing

  3. Select Pay now

Successful payment will keep your account in good standing.

Note: if the 10th falls on a weekend or holiday, direct payment will be available on the following business day.

I received a payment confirmation, but in My Account, it says that the payment hasn't been received yet.

The payment status in your billing overview will be updated 3-5 business days after your payment date.

I received a text message from you about a missed payment. Is this legitimate?

Don't worry, it's us! You received a text message from us because you have an active insurance policy with us and we were unable to process your payment. We want to make sure you have the opportunity to keep your coverage.

If you don't want to receive Onlia service messages in the future, simply reply STOP to opt-out. Message and data rates may apply.

I changed my coverage and am expecting a refund. When will I receive it?

Refunds for coverage changes are received on the 10th of the following month. This allows us to confirm how much we owe you after your usual bill is processed.

For example: If you made a coverage change in June that lowered your premium, you'll receive a refund on July 10.

I cancelled my policy. When am I credited for my down payment?

You'll receive your down payment amount as a credit towards your last month's bill.

If the amount of your down payment is more than your final bill total, you'll receive the difference as a refund on the 10th of the following month, the same as your monthly payment date. For example: if you cancel your policy in June, you'll receive the refund on July 10. This allows us to confirm how much we owe you after your final bill is processed.

If you owe an outstanding balance after receiving the down payment credit, we'll ask you to pay the remaining amount.

I cancelled my policy, when do I receive my refund?

You only pay for the days that your policy was active. 

Refunds applicable to policy cancellations are received on the 10th of the following month, the same as your monthly payment date. This allows us to confirm how much we owe you after your final bill is processed.

For example: If you cancel your policy in June with a cancellation date of July 1, you'll receive the refund on July 10.

Why do I have two invoices this month?

This usually happens as a result of a backdated change to your policy, made at the policyholder's request.

One invoice will reflect the cost difference for the change, and the other is your regular monthly invoice.

Why don't the numbers on my invoices add up?

Please get in touch with customer support at 1-844-472-7905 for questions about your invoice amounts.

How to contact us

By phone

Prefer to hear a friendly voice to help answer your insurance questions? Call us Monday — Friday, 9 a.m. - 5 p.m.

Start a live chat or screen share

Start a live chat or screen share session with a customer support rep through our chatbot. Get on-screen assistance and instant answers to your questions during regular business hours, Monday — Friday.

Email us

Have a question after hours? Send us an email at support@onlia.ca and we’ll get back to you ASAP.

Share your feedback

We want to hear about your experience with us. Please let us know how we're doing, and where we can improve.

Report suspected insurance fraud

If you are aware of someone who is making false insurance claims, or who is illegally posing as an insurance broker to defraud others, please report it here.