ONLIA INSURANCE REVIEW

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Onlia Insurance: Digital and Convenient Insurance Shopping

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, offering 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 also provides 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 takes into account 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 but instead, according to Onlia, it makes it as easy as possible for customers to manage their own policies and make adjustments to their coverage as they see fit.

A Brief Company History

Onlia was launched in 2017 and they are one of the newer insurance companies on the market. They have attracted an increasing number of clients thanks to their focus on safety, 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 from Fairfax Financial Holdings Limited and Achmea Canada Holding Inc., a subsidiary of the Netherlands’ largest insurance group.

If you were to buy your car insurance with Onlia today, it would be valid the next day and without you 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, which is an app that 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 out of 100 for each of the aspects. The safer you drive during each trip, the higher your overall monthly score will be, allowing you to potentially 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.

Onlia Car Insurance Features

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:

Flexible Policies:

No contracts or fixed terms, you can cancel anytime without penalty. They also give you complete control over any changes you want to make to your policy at any time.

Convenient Online and App Access:

Everything is online with Onlia. Whether you use the website portal or the Onlia app, you can get a quote, buy a policy, and manage your policy online without ever having to make a phone call or fill out paperwork.

Safe Driving Cash Back

Onlia’s commitment to safe driving is backed by its cash back rewards and gift cards on the Onlia Insurance app. These rewards are offered to clients with a safe driving record and anyone can earn up to $40 in cash back each month as a policyholder. As long as you meet the monthly criteria for safe driving, you can earn as much as $480 per year.

Free rental cars

Onlia will pay for your rental car while yours is being repaired or replaced.

On-demand roadside assistance

If you have a road emergency with your car, you can pay a flat fee of $79 and Onlia will change a tire, unlock your car, give you a jump, and deliver 10L of fuel. If you need a tow, pricing starts at $99 and is charged per kilometer after a certain distance.

Auto Insurance Discounts

If you qualify, eligible discounts for car insurance will be automatically applied during the checkout process:

  • Multi-car discount: You can save 20% per vehicle when you insure at least two under the same policyholder or account.
  • New vehicle discount: If you insure a car from 2020 or above, you save 10% on your car insurance policy.
  • Bundle car and home discount: You can get 15% off your car insurance and 20% off your home insurance when you bundle the two policies with Onlia.
  • Conviction-free discount: If you have zero convictions over the past three years, you may qualify for a 20% discount off your rate.
  • Winter tire discount: Installing winter tires on your car during the snowy winter months can save you 2% off your rate.
  • Renewal loyalty discount: If you’ve been an Onlia client for at least three years, you can save 5% off your policy.
  • Retiree discount: If you are retired and have a good driving record, you may qualify for a discount of up to 5%.
  • Graduated licensing discount: You can save 10% off your first year of driving if you have good insurance history.

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 you’re home or away), temporary housing expenses if you can’t stay at 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 have two options. You can call the claims line at 1-844-472-7901 or you can also send them an email at claims@onlia.ca, and they’ll respond within one to two business days. They will require you to provide any one of the following documents depending on your situation:

  • Collision Reporting Centre or police report
  • Vehicle information and license plate number
  • Insurance and contact information of the other party
  • Pictures of the damage or scene
  • Receipts for out-of-pocket expenses
  • Receipts for lost or damaged items

Once you have submitted and reported your claim, you will receive an email confirmation of the report, along with a claim reference number.

Commonly Asked Questions About Onlia Insurance

Is Onlia Insurance only available in Ontario?

Yes, Onlia Insurance is only available in Ontario at the moment. However, their Onlia sense app is available all over Canada.

How do I file an Onlia Insurance claim?

You can call Onlia at 1-844-472-7901 any day at any time. If you have a question about a claim or other non-emergency needs, you can also contact them via email and get a prompt answer within a few days.

What is Onlia Sense?

Onlia Sense is a rewards program in their app that allows you to earn up to $40 in cash back each month and rewards you for driving safely.

Does Onlia offer any bundle discounts?

Yes, Onlia has several discounts and bundles available on car and home insurance for new and past clients.

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