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
With Onlia you can easily get an insurance quote online. Just answer some questions and you'll get a price right away.
Some situations will require you to speak to an Onlia insurance broker team member, but otherwise you can get an insurance quote and policy anytime online.
If you have an Onlia account, and looking to add a product, ensure you are signed in or give us a ring at 1 844-472-7905.
New customers can bundle their policies by purchasing them at the same time. You'll automatically receive the discount. For existing customers looking to add a policy and receive the discount, contact your broker or give us a call at 1 844-472-7905.
Missing a payment depends on your carrier. Give us a call at 1 844-472-7905.
Auto insurance
- Can I buy Onlia insurance through a broker?
You can't buy Onlia insurance through a broker. We set up our insurance to be easy to purchase and manage online. You’re in the driver’s seat!
Start with a quote – it only takes a few minutes.
- Can I get a quote for someone else?
You can assist someone in getting a quote if you have their permission. If they decide they would like to join Onlia, the registered owner of the car or home being insured must be the one to sign up.
- The information you have for me is incorrect. How do I change it?
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.
- What is business use?
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).
- Can you provide an insurance quote for me?
At Onlia, we've put everything online so that you can easily get a quote and buy insurance through the Onlia website. If you'd prefer to kick it old school and speak to a broker instead, you can call us at 1 844-472-7905. If you're an existing customer, you can log into your account to add a new policy to your existing ones, or give us a call and we can sort you out.
If you're a new customer, click here to start your quote.
- What information do you get from my driver's licence?
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.
- There is a G1 driver in my household. Should I add them to my insurance policy?
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.
- What's the difference between a primary, secondary and occasional driver?
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.
- What if my car is in a business name?
In most cases we can insure your vehicle. To get started, call a broker at 1 844-472-7905.
- My car is leased. What should I do?
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.
- How do I get a quote?
With Onlia you can easily get an insurance quote online. Just answer some questions and you'll get a price right away.
Some situations will require you to speak to an Onlia insurance broker team member, but otherwise you can get an insurance quote and policy anytime online.
If you have an Onlia account, and looking to add a product, ensure you are signed in or give us a ring at 1 844-472-7905.
- I don't have a car yet. Can I still get a quote?
You can get a car insurance quote for the ride you want just to get an idea of how much it will cost. You’ll still need to get a new quote once you have your car though.
- How do I get a quote for multiple vehicles?
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.
- My vehicle isn't showing up in the search bar. What should do?
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!
- My new vehicle isn't showing up in search. What should I do?
Newer vehicles might not be added to our search list yet. This list is updated once a month, so you can try again soon!
- How do I add another vehicle to my quote?
After you've finished a quote for your first vehicle by adding it to your shopping cart, you can start your next quote for another vehicle.
- Do I need to add all the drivers in my household?
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.
- I have a special licence class. Can I get insurance with Onlia?
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.
- How do I confirm my quote?
Once you get your quote, head to checkout. Your final price could change once all the final checks are done with your carrier.
- I recently moved to Ontario. How do you calculate my licensed and/or claims-free years?
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.
- Can I get temporary insurance?
We don’t offer temporary insurance, and our policies are usually one year long. If you cancel your policy midterm with us, you may be subject to a short rate cancellation fee.
- My licence was originally from another country. What should I enter as my number of years licensed?
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.
- I don't know my claims/ticket/license history.
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.
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How to contact us
By phone
Prefer to hear a friendly voice to help answer your insurance questions? Call us at 1-844-472-7905, Monday — Friday between 9 a.m. and 5 p.m.