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.
Home insurance
- How does your daily premium structure work?
Our daily premium structure is the first of its kind in Canada. With Onlia, you'll pay only for the exact number of days you have insurance in a month (rather than paying a monthly average, or an entire year upfront).
For example, let's say your premium works out to be $5 a day:
$5 a day x 31 days = $ 155 a month
$5 a day x 30 days = $ 150 a month
Most months are 31 days, so we quote you for that number. You'll pay a little less in shorter months. Payments are withdrawn every month on the 10th.
Every dollar counts, right?! 😉
- How do you calculate my price for home insurance?
Several variables come into play when calculating your home insurance premium.
The most important ones include your postal code, the age of your home, building type, and structural details like the number of storeys, kitchens, and bathrooms in your home.
We’ll use these details to help predict the likelihood of damage caused by things like water, fire, wind/hail, and crime.
- Do I get a discount for bundling my car and home insurance?
Onlia offers a bundle discount of up to 50% on home insurance, and 15% on car insurance.
- Is tax included in my price?
Any applicable taxes are included in the price you’re quoted for.
No tax is applied to car insurance. An 8% provincial tax is applied to home insurance.
- What discounts can I get on home insurance?
Here are Onlia's available discounts for homeowners, tenants, and condos on existing accounts:
Home & Auto Bundle (up to 50% for home and up to 15% for auto)
Insure your car and home with Onlia under the same account.Credit Score
Get a discount on your premium when you consent to a credit check when adding a home product to your account. The higher your score, the more your premium will be discounted. This is a "soft" credit check and has no impact on your credit score. You'll never be charged more because of your credit score -- you can only save!Monitored Alarm System
Protect your home with an alarm system that's monitored by a home security service or company.Mortgage-Free
Applicable for customers who own the insured property outright. This discount is available for homeowner insurance only.Discounts you qualify for are automatically applied to your total premium.
- My rate is lower than expected. Why?
Did you find a great insurance price? That’s awesome! The price you see is the price you pay – there are no catches or extra fees.
The rates for insurance we can offer are regulated and approved by the provincial government. Your price is based on several factors. Where you live, what kind of car or home you have, and your insurance history – these are a few important details in calculating your price.
- How do discounts work?
Our online customer journey will automatically provide you with all of the applicable discounts and savings. The discounts and premium shown are based on your answers, your assets and your levels of coverage. Doesn’t control feel great?
- What does single limit mean?
This section of the policy provides insurance for your Dwelling, Detached Private Structures, Personal Property, and Additional Living Expense under a single amount of insurance. You will find this single amount of insurance shown on the Coverage Summary under Amount of Insurance. This is the maximum amount we will pay in any one occurrence for loss or damage under one or more of the coverages provided under this section.
- How are my tenant premiums calculated?
Unlike home insurance, which covers the property itself, tenant insurance is based on the contents of your property. When it comes to property insurance, your premium is affected by some key underwriting variables:
- Postal code and street address
- Valuation of contents
- Hydrant protection (fire hydrant, firehall or unprotected)
- Construction type, size, and age of property, including any upgrades to the roof, plumbing, heating or electricity
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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.