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Learn more about Onlia Insurance.

Many modern financial service firms are strictly online operations, which allow modern consumers to take advantage of inexpensive and on-the-go services. This is the case for Onlia insurance, which offers consumers both home and auto insurance products. It began in 2018 as a joint venture between Fairfax Financial, a Canadian-based financial holding company, and Achmea, the largest insurance group in the Netherlands.

Policies are underwritten by Verassure Insurance Company, which is part of the same group of insurance companies as Fairfax and Achmea.

Onlia’s values of being transparent, taking the mystery out of insurance, being simple to use, and putting customers first, may not be unique from other online financial service firms, but are still important goals and attributes to work towards, and may be a reason this insurance company has grown quickly since its inception. The company offers flexible and customizable insurance packages that can be acquired and managed online, at any time.

Onlia’s car insurance products are for Ontario drivers only. Compare car insurance quotes on to see how the company stacks up against more than 50 leading insurers in the province.



Other types of insurance that Onlia offers

In addition to car insurance, Onlia offers multiple types of property insurance, such as:

Home insurance: Onlia provides home insurance for theft or break-ins, as well as damages occurring from frozen pipes, fire, smoke as well as hail and windstorm. Personal liability is also covered under home insurance.

Condo insurance: Condo insurance is designed for owners of units within a condo building. Much like homeowner insurance, condo owners receive protection for the contents of the unit, such as appliances, electronics, clothing and furniture. It will also cover additional living expenses if you need to evacuate your condo or relocate while it is being repaired.

Tenant insurance: Tenant insurance is for people who rent their property rather than own it. As a result, it doesn’t cover the property itself. Instead, it provides protection for the tenant’s possessions and liability coverage.

Seasonal insurance: Insurance for seasonal homes will typically cover the outdoor structures on your property, the contents of your seasonal home as well as provide liability coverage.

Landlord insurance: Standard home insurance won’t protect your income property against a loss – only landlord insurance will. Onlia offers coverage to Ontario landlords.

Onlia savings

Car insurance discounts

Car and home insurance bundle: Insure both your home and car under Onlia and receive 20% off home and 15% off car insurance.

Conviction-free: Save 20% if you have zero convictions over a three-year period.

Graduated licensing: Get a G2 or G license and save 10% off your first year when you graduate to a new license.

Multi-car: Save 20% if you insure two or more cars.

New car: If you have a car that’s newer than a 2020 model, you can save 10%.

Renewal loyalty: Being a customer for three years or longer can save you 5%.

Retiree: 5% off accident benefits coverage is available if you are a retiree with a clean driving record.

Winter tires: Install winter tires and save 2% on your insurance.

Home insurance discounts

Burglary and fire alarm: This offers 5% in savings for people who upgrade and/or install a burglar or fire alarm.

Credit score: By agreeing to a credit check, you can secure a discount of 10% to 50%.

Mortgage-free: If your home is mortgage-free, you can save 15%.

Renewal loyalty: Have been a customer for three or more years? You can save 5%.

Other discounts

Affinity: Got a membership with certain (pre-approved) organizations? All you need is a G2 driver’s license and a good driving to qualify for a 2% discount.

Group: Team up with members of your workplace, union or organization for a group insurance policy and save 10%.

Onlia Insurance app

Onlia’s insurance app is the ‘Swiss Army knife’ of apps, as offers every function you would need in one place, including:

Join the millions of Canadians saving money on auto insurance 

The first rule of saving money is to shop around for the best price. Make sure you’re not overpaying for car insurance by comparing insurance providers and their quotes online. makes comparing multiple auto insurance companies a snap. We don’t sell insurance – we’re completely independent – but we can show you which insurer is offering the lowest price. Just enter your postal code, and in 3 minutes, we’ll show you rates from 50+ Canadian insurance providers. Best of all? It’s free.

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What people say after comparing rates on

April 22
Your agent Nathan was amazing and so…
Your agent Nathan was amazing and so helpful.
Alecia O'Brien
April 19
Prompt response
Prompt response. Good info to make a decision. Helpfull that info was sent to ...
Margaret Bird
April 19
Sean was easy to talk too and very…
Sean was easy to talk too and very informative.
April 19
Good job
The staff was helpful and knew what were doing.
Franziska Pedersen
April 17
Good pricing
Pleasant broker and helpful
April 17
filled out form online less than 5mins…
filled out form online less than 5mins called right away and setup call with bro...
April 16
The Agent was very kind and helpful!
The Agent was very kind and helpful!
Istvan Kiraly
April 16
Great customer care she is good 👍
Great customer care she is good 👍
Anthony Odia
April 15
Simple and clear!!
Fast response ! Friendly knowledgeable staff!
Kent Fewer
April 15
great rep provided all the information…
great rep provided all the information I needed to make an informed choice
April 12
After I got the quotes somebody…
After I got the quotes somebody followed up with me and put me trough with an ag...
Stefan Ciucas
April 12
fast responce
fast responce, great people to talk to explaining everything, What a Great web s...
Larry Rowthorn
April 9
Very helpful advice and great overall…
Very helpful advice and great overall service.
April 6
Easy to deal with and very helpful
Very easy, good use of technology and customer follow up was awesome
Steve Miller
April 6
Easy and friendly process.
Easy and friendly process.
April 5
So good service ,,
So good service ,,, Tammy service me so so good
Son Nguyen
April 5
Very good service.
Very good service.
Tanya Neufeld Eckert
March 30
easy to work with…
easy to work with and find what I needed fast.
Pierre Duprey
March 25
Immediate response
Immediate response
Donald Henderson
March 6
Very helpful team !
Very helpful team !
Shivali Patel
February 15
Super fast seriously half the price!
Super fast seriously half the price of my previous broker. I worked with Khadija...
N. Gul
January 31
Representative was extremely helpful…
Representative was extremely helpful and was able to assist in all our needs.
Laura Dunsford
January 19
I was treated very well
I was treated very well, the person that was helping me was very helpful and fou...
Tim Bob
January 18
Great service
The response to my inquiry was quick. I received a phone call a few hours later ...
Sherri Leclerc
December 4
Quick turnaround
Quick turnaround, I am really happy with the process so far.
Breno Mendonca
November 11
process was easy and professional
The process was easy and professional
James Robichaud
November 1
The young man was very courteous and…
The young man was very courteous and professional. We didn't qualify due to low...
Teresa Penning
October 26
Quick and friendly response.
Quick and friendly response.
Dan Rochon Rochon

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Joel Kranc

About the Author

Joel Kranc is an award-winning writer, author and journalist. Most of his experience lies within the institutional investment and financial services space. He also covers a variety of business topics for publications in North America and the UK.

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