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Auto insurance

How do I purchase my policy?

With Onlia, you can do everything online, from getting a quote to purchasing your policy.Some situations will require you to speak to an Onlia insurance broker team, 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 into your account or give us a ring at 1 844-472-7905.

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Can I buy a policy for someone else?

Only the registered owner(s) of either the home or car can purchase insurance for that item. Insurance is a legal contract, and unfortunately, you can not agree to a contract on behalf of someone else. This ensures that if something happens where a claim needs to be filed, the right people are getting the help they need.

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I can't find my home address.

The addresses we have available are acquired from Canada Post records. Sometimes we’re unable to find addresses, make sure you’re entering your address properly and check again.If the address still isn't showing, just give us a call at 1 844-472-7905.

Please keep in mind that you need to have a valid mailing address. A P.O. Box is a legitimate mailing address.

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Can I buy a policy and be covered the same day?

The earliest you can start a policy is tomorrow.

You can buy insurance up to 30 days in advance.

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Why did my price change before purchasing my policy?

The price in your quote is based on the information you have entered. When finalizing your policy, we'll check with official records to verify certain details about your driving and insurance history. If there's a discrepancy, we may update your price to reflect what's officially on record.

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I updated my driver or coverage details in my quote. Why didn't my price change?

Your quoted price is updated in real-time if any relevant details are changed. Not all changes will affect your price.

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My policy is set up. How do I get my insurance documents?

Your policy and all important documentation can be viewed in your account. Simply log in, and navigate to the Risks and Policies tab. Select the policy you need documents for, and click to view.

We'll also email you your documents within 24 hours of finalizing your purchase. If you don't get them within this timeframe, send us an email at support@onlia.ca.

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Can you cancel my insurance policy with another company?

Unfortunately, we can’t cancel a policy with another company for you. Like buying a policy, only the policy owner can do that.

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I've submitted my order. What now?

After you finish your quote and submit your order, you’ll receive a welcome email. If you don’t see an email arrive from us to the primary email address you listed on your account, be sure to double-check your junk/spam folder. If not, contact us and we’ll get to the bottom of it.

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Where can I see my policy?

Your policy and all important documentation can be viewed in your account. Simply log in, and navigate to the Risk and Policies tab. Select the policy you need documents for, and click to view.

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Is there any paperwork to fill out to buy a policy?

We've made applying for and buying insurance an easy process that can be completed online or by giving us a call. By completing an application for insurance with us, you agree to all the legal rules and regulations that come with insurance policies in Ontario.

You can set up your insurance quickly, and when it's convenient for you 😊

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Why isn't my VIN matching?

Try going back to the start of your quote where you entered your vehicle details, and add your VIN into the vehicle search bar. This will give you the exact match.

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I got a message saying you can't offer me insurance. Tell me more.

Give us a call at 1-844-472-7905 and we'll try to find the best option for you. That being said, there are certain situations where we can’t offer insurance for people. This can be due to numerous factors, including the kind of car someone has, or their driving and insurance history.

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I haven't received the email to confirm my purchase.

Check your spam/junk folder – the email might be hiding in there.

If not, or if you're experiencing issues activating your account, please contact us and we’ll get to the bottom of it!

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When will my insurance take effect?

Effective dates can be as early as the next day and purchased up to 30 days in advance. Simply select the date that you want the coverage to take effect and confirm all the required steps in the process.

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Will you cancel my old insurance company?

Unfortunately, we can’t cancel a policy with another company for you. Like buying a policy, only the policy owner can do that.

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I just purchased a policy, am I good to drive now?

Once your purchase is confirmed, you're covered from the day you selected as your effective date. You'll be sent an email with temporary documents so you can begin driving right away, and you can also find this in your account once the effective date passes. You should print this out and keep it with you when you drive.

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Do you charge first and last?

Our brokers will try their best to place you with the insurance company that best suits your needs. How often you pay (ie. monthly or annually) along with whether a first and last is needed depends on insurer you are placed with.

Once your policy is issued, you'll receive your payment schedule.

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My dealership is asking for proof of insurance.

When you confirm your purchase, you'll receive temporary documents via email that you can use to show your dealership.

You can also view these online in your account by navigating to the Risks and Policies tab and selecting the policy you'd like to view. From here, you can click on the documents you want to view and download.

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How can I get an OPCF5?

An OPCF5 is included in your policy at no extra cost. You can find the OPCF5 endorsement listed in your Certificate of Auto Insurance.

You can view your coverage and access your Certificate of Auto Insurance by signing in to your account, navigating to Risks and Policies and selecting the policy documents you'd like to view.

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How long does it take to get approved for insurance?

For existing insurance customers, your new Onlia insurance policies can be effective as soon as the next business day.

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Can I get insurance for a car that I do not own?

We offer insurance to those who finance or lease their cars. However, you can’t purchase insurance for someone else.

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I keep getting an error message. What do I do?

We’re sorry you’re not getting to where you need to be! Email us at support@onlia.ca with details about what you're experiencing and we'll provide you with a solution ASAP.

Please include this information:

• Which web browser you’re using

• Device type (iPhone or Android, PC or Mac)

• What step you're on (e.g. entering your driver's licence, payment, etc.)

• A screenshot of the error message

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