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Your insurance policy

How often should I review my policy?

How often you review your policy is totally up to you. We recommend reviewing your policy around twice a year; this way you are reminded of what coverage you have and can make any changes should you need to.

How often can I change my policy?

You can change your policy in your account whenever you need to by navigating to Change Requests and submitting a request.

Note that you can't backdate coverage, which means you can’t add coverage to a past date.

Can I add or delete coverage to my policy?

You can change your policy in your account whenever you need to by navigating to Change Requests, selecting the type of request you'd like to make (ie, Home or Auto), and then selecting the relevant option from there.

When will changes to my policy take effect?

As long as it's not in the past, you can set the date that you want your policy changes to take effect.

I've legally changed my name. How do I update my insurance?

Please get in touch with us and let us know if you want to change the name on your insurance policy.

How do I change my phone number?

Here's how you can update your phone number:

In your account, go to Change Requests in the navigation. Select Personal in the menu, and follow the directions to change your phone number.

How do I change the start date of my policy?

You cannot change the start date of a policy that takes effect in the future.

Can I change the effective date to today (or earlier)?

Once you've bought the policy, you can't update the policy start date anymore. 

Note that the earliest policy start date is tomorrow. You will not be able to backdate a policy or any coverages.

Insurance is intended to keep you safe against the possibility of future loss. As such, all insurance contracts must start on or after the time and date of your initial application. Unfortunately, we can’t go back in time. If we could, we’d probably buy some lottery tickets.

How and when do I create a new account?

To create an insurance account, simply get a quote online. If you like what you see, you can purchase your policy on the spot. We'll make an account for you where you can access your policy documents, make changes, and more.

If you want to add a policy or make changes to an existing account, sign in and go from there.

What does it mean when there are pending changes in My Account? Can I cancel them?

New policies you’ve purchased may show as pending changes to your account if you haven’t reached the policy’s start date yet. Until then, you can simply ignore this message. Once the policy is active, the message will automatically disappear.

Most changes to your account become effective the next business day. You can always cancel any pending changes before they take effect.

How do I add another vehicle to my account?

Need to add another vehicle to your insurance?

You can add a vehicle to your policy in your account. Here's how:

1. Sign in to your account
2. Navigate to Change Requests
3. Select Auto
4. Select Add a vehicle.  

Fill out your vehicle and driver details, and follow the onscreen prompts to submit to a broker.

Someone in my household recently got their driver's licence. What should I do?

Milestone achieved! 🎉

Simply sign into your account and navigate to Change Requests. Select Auto, and follow the steps to add a driver.

Adding a new driver to your insurance allows them to start building their insurance history. Not to mention you have the added security of knowing they (and others) are protected in case anything happens.

Learn more about the requirements for the different licence classes on the Government of Ontario’s website.

I just got married. Should I make any changes to my auto insurance?

Congrats on tying the knot! 🎉

If your spouse has a driver’s licence — and doesn’t already have insurance with another company — they need to be added to your insurance, even if they don’t drive very often. It's to ensure they’re fully covered under your policy if they’re ever involved in an accident (either as a driver or a passenger).

Adding a driver to your insurance is easy. Simply sign into your account and navigate to Change Requests. Select Auto, and follow the steps to add a driver.

My child has a driver’s licence but is away at school most of the year. Do I still need to add them to my policy?

Since they still have occasional access to your vehicle(s), you’ll still need to make sure they are covered in the event of a collision. Adding a new driver to your insurance means that they can be protected under your policy if they are injured in a collision – even if that collision takes place while they are a passenger in someone else’s car.

My car is in storage. Do I still need insurance?

If your car is financed or leased, the companies who have a financial interest in your car may have requirements about the minimum coverage on it. If you are unsure, it’s best to give them a call before removing any coverage.

I'm driving more/less km than I originally thought when I signed up. How can I update this?

The number of kilometres driven per year is one of our rating variables when we calculate your price. 

If you need to update the number because you find that you’re driving more or less than you originally thought, just give us a call or email your broker.

How do I replace an old vehicle with a new one?

Here's how to replace an old vehicle with a new one in your account:

1. Sign in to your account and navigate to Change Requests. Select Auto and then select the Add a Vehicle button.
2. Follow the on-screen instructions to add the new vehicle.
3. Once you've added your new vehicle policy, you need to cancel the policy for the old vehicle:
4. Sign in to your account and navigate to Change Requests. Select Auto and then select the Delete a Vehicle button and follow the instructions on screen.

Please note that this is just a request - a broker will review your request and make the necessary changes to your policy and confirm with you.

Can I remove my family protection coverage?

Though not required by law in Ontario, we include Family Protection coverage as a standard feature in our car insurance because of the important protection it provides.

Please contact us if you wish to remove it from your policy.

My child has their own car, and their own insurance. Do I still need to add them to my policy?

Even if the other drivers in your home have their own insurance policy, and even their own car, it’s still part of our due diligence to be aware of anyone else who may at some point drive your car. And just to be on the safe side, we assume that any licensed driver who lives in your household may end up behind the wheel of your car at some point.

Can I reduce my third party liability coverage?

When you purchase auto insurance with Onlia, you can choose either $1 million or $2 million in liability coverage. This is the level of coverage most Ontarians have. 

You have the option to reduce your liability coverage limit after you’ve made your purchase. Just sign in to your account and navigate to Change Requests. Under Auto, choose Manage my coverage. From there you can choose different limits.

We don’t recommend this! Liability claims can easily exceed those limits, especially if you’re responsible for a collision that causes serious injuries. You’ll be better protected with a higher coverage limit.

What does it mean to exclude a driver?

Excluding a driver in your household means they won’t be covered under your Onlia insurance. Because of this, they won’t be factored into your auto premium.

Excluding a driver in your household shouldn't be taken lightly. We can't cover damage caused by an excluded driver when they’re driving your insured vehicle.

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.

How do I add a driver to my insurance?

Here's how to add a driver to your auto policy:

1. Sign in to your account
2. Select Change Requests from the main navigation
3. Select Auto
4. Select Add a driver
5. Follow the on-screen instructions from there. 

Be sure to add all drivers in your household to your policy. Adding a new driver to your insurance allows them to start building their insurance history. Not to mention you have the added security of knowing they (and others) are protected in case anything happens.

I'm not using my car as much anymore. Can I lower my coverage?

You can reduce or remove certain coverages in your account and submitting a Change Request.

If you’re looking for ways to lower your premium, you have a few different options. You can:

• Increase your deductible, which lowers your monthly payments
• Remove optional coverages
• Lower your daily KM driven

Before you make any changes to your policy, it’s important to think about the possible consequences. Removing coverages can leave you at risk if something unexpected happens. If you’re changing your coverage temporarily, remember to change it back when your situation is different.

Planning to park your car for an extended period of time? Consider turning on long-term parking. Simply give us a call to arrange.

How do I change my financing or leasing company information?

Send your broker an email or give us a call at 1 844-472-7905 to arrange.

I only want liability coverage for my vehicle.

If you're an existing customer, your policies come standard with all the coverage you need to drive legally, plus collision and comprehensive coverage.

You can opt out of collision and comprehensive coverage if you want liability coverage only, however, this is not something we recommend as costs associated with vehicle repair or replacement can be extremely high.

If your car is financed or leased, the companies who have a financial interest in your car may have requirements about the minimum coverage on it. If you are unsure, it’s best to give them a call first.

Can I keep only fire and theft coverage on my vehicle?

We offer long-term parking which is the same as fire and theft coverage.

Email your broker or call 1 844-472-7905 to adjust your coverage.

How do I bundle my Home & Auto policies?

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.

I have a new class of driver’s licence. How do I update my account?

Congratulations on the new licence! 🎉

Just email a copy of your licence to us at support@onlia.ca. We’ll update your account for you.

FYI: You may be eligible for our Graduated Licensing discount.

My vehicle is in storage. How do I put it under long-term parking?

Call us at 1 844-472-7905 or email us at support@onlia.ca to put your car in long term parking.

How do I remove an excluded driver from my policy?

To remove an excluded driver from your policy, send a request to support@onlia.ca. Remember to include their full name, driver's licence number, and date of birth in your email.

How do I customize my coverages?

Sign into your account, and navigate to the Change Requests tab. Select the type of policy you want to manage (auto or home), then select "Manage my coverage".

How do I exclude a driver from my household?

To exclude a driver from your household, send a request to support@onlia.ca.

How can I remove a driver from the vehicle on my policy?

Simply send an email to support@onlia.ca or your broker, or give us a call at 1 844-472-7905.

My car is a total loss or write-off. What's next?

Refer to your pink slip for your insurance carrier's phone number to notify them of the total loss. 

You then need to either call us to cancel the policy, or let us know if you intend to substitute the vehicle on the policy with a new one. 

If you're using a rental car in the meantime, don't cancel your policy until you return your rental vehicle.

I'm moving. Do I need to update my car insurance policy?

If you’re moving, and staying in Ontario, you need to update your auto insurance policy if you've moved, have a new mailing address or changed the location where your vehicle is parked. 

Here's how you can update your home or mailing address: 

In your account, go to Change Requests and select Personal. Then select Change of Address. Follow the directions on screen from there.

How do I update my property details?

If you’re moving, and staying in Ontario, you need to update your auto insurance policy if you've moved, have a new mailing address or changed the location where your vehicle is parked. 

Here's how you can update your home or mailing address: 

In your account, go to Change Requests and select Personal. Then select Change of Address. Follow the directions on screen from there.

I'm now renting out my home. What should I do?

We can insure your home if you participate in home-sharing networks, like AirBNB or Vrbo. Before you start your policy, please let your broker know how many days you will be participating in a home sharing network so we can ensure you are placed with the right company.

If you’re renting out your home, the premium only covers the contents that you own and not what the tenant owns. Be sure to switch to our landlord insurance for longer term rentals. For primary homes the coverage is a percentage of the total value; for secondary or seasonal homes there’s a capped value amount.

Please review your company’s policy to ensure you have commercial coverage. We are unable to cover vehicles used for delivery services that do not provide insurance on the job.

I'm moving, do I need to update my home insurance?

Congrats on the new home 🎉

Setting up a policy for your new home is easy - just give us a call at 1 844-472-7905 and we'll sort you out.

I have refinanced my home. What now?

This change won’t affect your premium.

If the mortgage company is required to be listed on your insurance policy, you can update it in your account by navigating to Change Requests, selecting Home, and then Change Lender.

What changes impact my home insurance premium and how?

Our policies are driven by insurance value and peril scoring. So, your premium depends on where you live and what you’re exposed to. For example, living in a high crime rate area will result in a higher premium on theft exposures.

It also depends on what coverages are purchased; adding additional coverage endorsements like sewer/flood or at-risk valuables can increase the cost of your premium.

I'm doing renovations. How does that impact my insurance?

Renovations are definitely one of the circumstances that require you to update your home insurance policy. We offer a builders risk endorsement to be added to your policy. Before construction starts, call us to review your renovation project and requirements for the best insurance solution.

Also call us if you've done the following since last updating your policy:

• Started a home-based business
• Finished your basement or added a pool
• Your home is vacant or unoccupied for a period of time
• You’ve acquired some valuable belongings and would like to review your policy limits
• Any of your renovations are valued at over $10,000 – this would require a new evaluation on the property to make sure it’s properly insured to value

I paid off my mortgage. Do I have to let you know?

Congratulations – you’re now mortgage free! 🎉

This means you’ve qualified for our mortgage-free discount. Give us a shout, and we'll get that added to your account.

My office job allows me to work from home – do I need to let you know?

Working from home is automatically covered under your home insurance policy, so you don’t need to worry about it!

How do I update my mortgage information?

No problem, you can get that updated in no time!

If it's before your policy start date, give us a call at 1 844-472-7905.

If your policy is effective already, sign into your account and select Change Requests. Select Home, and then Change Lender.

How do I cancel my home insurance?

Give us a call at 1 844-472-7905 or email your broker to cancel your policy.

How do I add a second homeowner to my policy?

You can add another homeowner to your policy when you're getting a home quote.

If you already have a home policy, email us at support@onlia.ca, and we'll help you add a second homeowner.

Note that any immediate family members that you live with are automatically covered under your policy.

How do I add a mortgage to my policy?

Log into your account and navigate to Change Requests, selecting Home, and then Change Lender. Follow the directions on screen from there.

How do I bundle my Home & Auto policies?

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.

How do I customize my coverages?

Sign into your account, and navigate to the Change Requests tab. Select the type of policy you want to manage (auto or home), then select "Manage my coverage".

I have more than one policy with Onlia. Will cancelling one policy affect the other?

For auto insurance, you will have to call us to reassign drivers from the vehicle you’re cancelling to another active vehicle. This could have an impact on your premium.

You might lose a discount, like the multi-vehicle discount or the discount for bundling home & auto insurance under the same account.

When can I cancel my insurance?

Call us at 1 844-472-7905. We would love to review your policy, coverage, and reason why you’re leaving us. We can assist you with a form that must be signed by all named insureds with cancellation date.

Do I have to sign anything when I cancel my insurance?

We'll email you a form to digitally sign and send back.

Does it cost me anything to cancel?

An insurance policy is a contract, so there will be some cost for canceling before your renewal date. The cancellation penalty amount will depend on what your annual premium is and how long is left on your contract. Before you cancel, call your Onlia insurance broker team to review your coverages. We can guide you through any costs associated with your current policy. We value your loyalty and want to help you make the best decision.

How do I cancel my insurance?

Call us at 1 844-472-7905. We would love to review your policy, coverage, and reason why you’re leaving us. We can assist you with a form that must be signed by all named insureds with cancellation date.

How can I get a binder letter/letter of experience?

You need a letter of experience (or: a binder letter) if your Onlia policy was cancelled, but your insurance record doesn't show the correct cancellation reason.

If that's the case, you can email your request to support@onlia.ca. Please allow up to 7 business days for a response.

Note that you don't need a letter of experience if your insurance policy with Onlia is still active. Your policy is automatically included on your insurance record.

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

An insurance policy is a contract, so there will be some cost for canceling before your renewal date. The cancellation penalty amount will depend on what your annual premium is and how long is left on your contract.

Before you cancel, call your Onlia insurance broker team to review your coverages. We can guide you through any costs associated with your current policy. We value your loyalty and want to help you make the best decision.

Why are you cancelling my policy?

For customers carried by Verassure, your policy will not automatically renew. 

As part of Onlia’s acquisition by the Southampton Group of Companies, we’re no longer able to renew your policy with Verassure, as they will no longer be offering home and auto insurance in Ontario.

The good news is that Onlia is now a registered insurance brokerage with access to a variety of nationally licensed and trusted insurance providers - meaning you’ll have greater access to easy and affordable insurance - all with the all-digital approach you know and love. 

When it’s time for your renewal, we’ll send you some great new options from our network of trusted providers, so you can be sure that you’re getting the best possible coverage at the best possible price.

For other customers, there are a number of reasons your policy may be cancelled, including for non-payment.

Why did my auto insurance premium change at renewal?

Car insurance rates are based on many factors, including government regulations, the cost of vehicle repair, an individual’s driving record, and our predictive analysis of how likely it is that an individual will be involved in a collision. As these factors change over time, they can affect the rate you pay when your insurance policy renews.

If your rate has gone up, it could be due to significant changes in your situation: for example, if you had any recent collision claims, traffic tickets or convictions added to your record, or the record of another driver on your policy.

We know an increase in your rate isn’t exactly welcome news. To help bring your monthly payment down, you can consider adjusting your policy's coverage and deductible, or bundle your home and auto insurance for a significant discount.

Will my policy renew automatically?

For customers carried by Verassure, your policy will not automatically renew. 

As part of Onlia’s acquisition by the Southampton Group of Companies, we’re no longer able to renew your policy with Verassure, as they will no longer be offering home and auto insurance in Ontario.

The good news is that Onlia is now a registered insurance brokerage with access to a variety of nationally licensed and trusted insurance providers - meaning you’ll have greater access to easy and affordable insurance - all with the all-digital approach you know and love. 

When it’s time for your renewal, we’ll send you some great new options from our network of trusted providers, so you can be sure that you’re getting the best possible coverage at the best possible price.

For all other customers, your policy will automatically renew.

Do I need to do anything to renew my policy?

For customers carried by Verassure, your policy will not automatically renew. As part of Onlia’s acquisition by the Southampton Group of Companies, we’re no longer able to renew your policy with Verassure, as they will no longer be offering home and auto insurance in Ontario.

The good news is that Onlia is now a registered insurance brokerage with access to a variety of nationally licensed and trusted insurance providers - meaning you’ll have greater access to easy and affordable insurance - all with the all-digital approach you know and love. When it’s time for your renewal, we’ll send you some great new options from our network of trusted providers, so you can be sure that you’re getting the best possible coverage at the best possible price.

For all other customers, your policy will automatically renew.

Will all my insurance policies renew at the same time?

Your policy automatically renews on the anniversary of the date you first purchased your insurance. Typically, your policy has been in force for 12 months.

Policies with different start dates will not renew at the same time.

Will a collision affect my premium at renewal?

That depends on the nature of the collision. Any recent at-fault collisions you have on your claims record can increase the rate you pay. Collisions, where you were not at fault, do not affect your rate.

I was injured in a collision. Will my premium go up?

Your premium will never go up because you got hurt. It also won’t go up if you receive accident benefits – they’re meant to help you recover, and you should never feel conflicted about using them if you need them. However, if you were responsible for the collision (at fault) your premium may go up as a result of that.

Will a ticket impact my premium?

One ticket won’t necessarily have an impact on your premium.

That said, if you have been convicted of an offense under the Highway Traffic Act, there may be some implications. Depending on how many minor convictions you’ve had within the last 36 months, you could see a surcharge between 0-50% of your policy’s premium applied to your account. Higher surcharges are only applied in more extreme circumstances with multiple convictions.

Do demerit points impact my premium?

Demerit points on your licence won't impact your insurance. It’s the ticket itself that does.

Why can't I make changes to my upcoming renewal?

If you want to change to an upcoming renewal, please email your request to support@onlia.ca. A member of our team will be happy to assist you!

How do I cancel my renewal?

Need to cancel your policy renewal? Just call us at 1-844-472-7905 and we’ll take care of it. Be sure to include your preferred cancellation date in the email.

There’s a change in my driving record. Will this impact my insurance?

Changes to your driving record (like an accident, ticket or conviction) will automatically be considered when your policy is up for renewal. Any changes may affect your premium.

Why did my home insurance premium change at renewal?

There are many factors taken into consideration with an insurance carrier’s underwriting guidelines. From past claims to future claim predictions, the biggest factor is postal code. Reviewing your policy each year ensures that the variables and information regarding your home are correct and updated to provide you with the best-suited insurance protection while gaining all applicable discounts.

To ensure you have the best-suited property insurance premium, we encourage you to review your renewal each year. Here are some options you have to reduce your premium:

• Increase your deductible
• Install a home security system or monitored alarm
• Let us know if you’re mortgage-free
• Ensure everyone residing in your home is a non-smoker
• Bundle your property insurance and your auto insurance with aha

Onlia policy renewal for your 2024-2025 term

For customers whose policies are carried by Verassure, as of your upcoming renewal date, we’re no longer able to renew your policy with Verassure, which is no longer providing car & home coverage in Ontario.

Who does Onlia work with now?

We're now licensed with the Registered Insurance Brokers of Ontario (RIBO). We work with several trusted, nationally licensed insurance companies that offer rock-solid insurance, and who will be there for you should anything happen. This means that you’ll have greater access to easy and affordable insurance -- all with the all-digital approach you know and love. 

What do I need to do?

To continue to ensure you stay with Onlia and keep paying the lowest price for your insurance, purchase your renewal policy online. Alternatively, fill out this form and a member of our team will be in touch to finalize your new policy. Please note that filling in the form does not confirm your coverage.

If you have any questions in the meantime, our team is always happy to help you at 1 844-472-7905.