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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.
Claims
- How do I report a claim?
You can report a claim by calling us at 1-844-472-7905. Select the Claims option in the menu and choose your insurance provider.
If you’re unsure who your provider is, refer to your pink slip or certificate of insurance. It should also list the direct number of your carrier.
- Can I withdraw my claim after reporting?
If there is any damage to another party (property, injury, liability etc.) you will not be able to withdraw the claim.
However, you can withdraw if:
- You wish to pay the damages yourself, and
- If there are no other parties involved.
- Do you offer 24/7 claims service?
Our claims team is available 24/7. If you're in an emergency and need to report a claim right away, rest assured that you can do so any time of day. Learn more about our service here.
You can report a claim by calling us at 1-844-472-7905. Select the Claims option in the menu and choose your insurance provider. If you’re unsure who your provider is, refer to your pink slip or certificate of insurance. It should also list the direct number of your carrier.
- How and when will I get paid after a claim?
The time it takes to settle a claim depends on a few items, primarily:
How long it takes to investigate any complexities
How fast we receive the documentation required to process the claim
Many types of claims require different processes, so we can't give you an exact timeline. If your claim is covered, we will settle as soon as we can – no unnecessary delays. If there are complexities or unavoidable delays, we’ll let you know immediately, and work with you to get them sorted out.
- How do I know if my claim is covered?
If you find yourself needing to file a claim, whatever coverage was on your policy at the time of loss is what will guide the claims settlement process.
Login to your account to review the details of your policy coverage. Navigate to Risks and Policies and select the policy you want to review You can find all of your policy details and documents here.
Take a look at some of our other FAQs for some example scenarios and general answers.
If at any time you have any questions or concerns, reach out to our Claims team. We’re here to help!
- What is a deductible?
A deductible is the self-insured portion of the claim. Which means, how much you pay first before insurance kicks in. If your vehicle is damaged by something you’re covered for, the deductible is the amount of money that’s adjusted on the settlement.
For example:
Imagine a scenario where your $15,000 car was stolen. You had a $1,000 Comprehensive deductible. You’d pay $1,000 and the insurance company would pay the remaining $14,000.
Remember:
The higher your deductible:
The lower your premium
But you’ll pay more out-of-pocket in the event of a claim
The lower your deductible:
The (slightly) higher your premium
You’ll pay LESS out of pocket in the event of a claim
Want to know what the deductible on your policy is? Check your coverages in your policy documents or in your account.
- What can I do if my claim was denied?
As a customer, we want to take care of you. If your claim is denied, speak to your broker and we can advocate on your behalf with the carrier.
- What if I disagree with the settlement of my claim?
If you don’t agree with the settlement of your claim, make sure to let your adjuster know right away. Your adjuster will try to resolve the issue with your carrier. As our customer, we want to take care of you.
If you still aren’t satisfied, you can file a complaint.
- When do I have to report a loss to my insurance company?
You should report a loss as soon as possible. The faster we are aware there is a problem, the faster we can help.
If there is another person involved (even if you both agreed not to file a claim), they are legally able to claim for their damages from their insurer, who may opt to notify us of the claim. This means the collision can show up on your insurance record, even if you didn’t put through a claim yourself. If this happens you won’t have had your chance to tell your side of the story and may find that there are unintended consequences (e.g. being deemed at fault, or having your policy cancelled for failing to disclose).
- When can I expect to hear from someone when I report a claim?
You can expect to hear from an adjuster within 48 hours of submitting your claim.
- I have an emergency. How should I report my claim?
For emergencies involving injuries or serious damages to property, please call us directly at 1-844-472-7905 for immediate assistance.
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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.