This page is for informational purposes only. MyChoice is not affiliated with this company.
About Onlia Car Insurance
Onlia Insurance is a fully digital insurance company that offers online tools for Canadians to find and secure an insurance policy. The company is based in Toronto, Ontario, and offers flexible coverage and quick online quotes. Onlia currently offers home, condo, tenant, and auto insurance to customers in Ontario only. Since June 2021, the company has also provided group auto insurance to employees at companies that are part of Onlia’s insurance program.
When customers purchase a policy online with Onlia, they can expect:
- No hidden fees for cancellations, insufficient funds, or other reasons.
- Available discounts that make Onlia’s home and auto coverage an affordable option.
- All-inclusive coverage that considers most or all of the perils a policyholder could encounter with their vehicle.
Because Onlia Insurance is all digital, the company doesn’t use traditional agents. Instead, according to Onlia, it allows customers to manage their policies and adjust their coverage as they see fit. Southampton Finanancial acquired Onlia in April 2024.
How Onlia’s Customer Reviews Compare to Other Insurance Companies
| Insurance Provider | Company’s Online Rating |
|---|---|
| Onlia | 3.2/5 |
| Progressive | 1.1/5 |
| PC | 4.5/5 |
| Economical | 1.6/5 |
| Scotiabank | 1.2/5 |
Why Choose Car Insurance?
Onlia offers auto insurance for customers in Ontario. Their unique approach makes it simple for shoppers to ensure they can include provincially mandated coverage and optional extras as well.
The company provides industry-standard insurance minimums, such as third-party liability, uninsured motorist coverage, accident benefits, and direct compensation for property damage (DCPD). They also provide standard add-ons, including comprehensive, collision, and accident forgiveness, that is all part of their online environment. We can highlight the following features from Onlia insurance:
Onlia Car Insurance Pros & Cons
Below are some of the main pros and cons of getting car insurance with Onlia. These are based on the company’s online reviews.
| Pros | Cons |
|---|---|
| Lowest Prices | Long Delays in Communication |
| Significantly Cheaper Home and Auto Insurance | |
| Competitive with Other Low-Cost Providers |
A Brief Company History
Onlia was launched in 2017 and is one of the newer insurance companies on the market. They have attracted increasing clients thanks to their focus on safety, the convenience of shopping for a policy, and premium coverage with affordable rates. Consumers can get free quotes online within minutes using Onlia’s platform.
Onlia is the brainchild of some well-established names in the insurance industry. It’s a joint venture between Fairfax Financial Holdings Limited and Achmea Canada Holding Inc., the Netherlands’ largest insurance group subsidiary.
If you were to buy your car insurance with Onlia today, it would be valid the next day without having to fill out tedious paperwork or be on the phone for hours with an agent.
In November 2018, the insurance company launched Onlia Sense. This app uses telematics to monitor certain driving behaviors, like how hard you brake, how quickly you take corners, how fast you accelerate and whether or not you’re distracted by your phone during the trip. Once it collects this information, it gives you a score of 100 for each aspect. The safer you drive during each trip, the higher your overall monthly score will be, allowing you to earn some perks at the end of the month, like a $5 Starbucks gift card. The app is available all over Canada.
Onlia offers two types of insurance policies: home and auto. Condo and tenant insurance policies are usually provided under the home insurance umbrella.
What Other Insurance Products Does Onlia Offer?
Onlia covers a broad range of insurance, from basic auto or home insurance to second home, pet, mobile home, and motor home insurance. Onlia works with its brokers and partner companies to provide customized policies for every product they run, which is perfect for those seeking specific coverage plans.
Onlia Home Insurance Features
Onlia’s home insurance policy includes coverage for condominiums, homeowners and tenants. Standard policies include coverage of any detached structures (such as a fence or shed), personal valuables (whether home or away), temporary housing expenses if you can’t stay home during unexpected repairs, and personal liability if someone hurts themselves on your property. Some of their home insurance features are:
- Home Improvements
- Home-Sharing
- Identity Theft
- Guaranteed Replacement Cost
- Inflation Protection
- Flood and Sewer Backup
- Additional Living Expenses
How To Submit A Claim With Onlia Insurance
If you need to file a claim with Onlia, you can use one of the options below.