Get premium protection for your car and home at standard prices. Plus, manage your policy online anytime. 

We sat down with our friends at Onlia Insurance to discuss what you need to know about home and car insurance in Ontario.

What is Onlia Insurance and how does it work?

Onlia Insurance is a digital provider of auto and home (including condo & tenant) insurance in Ontario. You can get a quote, purchase a policy, and be covered the next day in minutes. Simply visit our website and fill in your details for a quote. You can buy on the spot, and make changes to your policy anytime online with My Account – no phone calls required!

What are the main benefits of the Onlia process?

  1. We’re easy to shop. In a world where no one wants to spend a minute more than they need to, to get insurance, Onlia provides a fast and easy way to get covered. 
  2. We’re easy to use. We’ve streamlined buying insurance to make it quick and easy — from getting a quote and buying online, to managing your policy, and even submitting a claim, customers can do everything online, from the phone in their pocket.
  3. Our policies are easy to understand. When you buy Onlia Insurance, you’ll know exactly what you’re paying for and what you’re covered for.  
  4. We’re accessible. Our digital experience supports customers on their journey at every step should they need a little personal help along the way, our hands-on customer support team has got it covered.

How does Onlia compare to other providers?

Our standard policies come with standout coverages that other providers typically charge for – like Ticket and Accident Forgiveness. And if you ever need to make a claim, our caring Claims team is on call 24.7 to provide support and to help you through the process. 

Plus, Onlia car insurance customers can earn up to $480 cashback every year when they drive safely with the Onlia Insurance™ app. 

Curious about how much you could save by switching to Onlia? Enter a couple details into our nifty Car Insurance Savings Calculator for an idea. 

What service does Onlia provide to users?

We’re proud to provide basic coverage that goes beyond the standard coverages at no added cost. There are optional endorsements and increased coverage to choose from, but you can count on our standard home insurance policies to include: 

Flood and Water Damage

Includes comprehensive overland water protection, covering floods and sewer backups.

Fire Damage

Fire and smoke are common culprits of property damage. If they occur, we’ll make sure it’s repaired or replaced.


Legal protection if you’re sued due to someone else’s injury or property damage.

Additional Living Expenses

We’ll cover the cost of accommodations for you and your family if something happens to your home that makes it unfit to live in.

Personal Property

We’ll protect the personal property in your home, even if it’s lost or damaged anywhere in the world. 

High-Value Items 

Protection for your valuables like jewellery, musical instruments, or wine collection. 

Dwelling and Detached Private Structures 

Protection for your home and other structures on your property (like a shed or guest house). 

Home Sharing

We’ll cover your property if you occasionally rent out your place through Airbnb or another home-share service.

Identity Theft

If you or someone in your household is a victim of identity theft, we’ll help you through the recovery process.

And our car insurance policies to include: 

Direct Compensation

Helps pay to repair your car when you’re deemed not at fault in a collision.

Accident Benefits

Provides medical, rehab and funeral costs to you, your passengers and anyone else injured in an collision.

Third Party Liability

Covers your legal liability, even if you’re partially at fault for an accident.

Uninsured Driver

Protects you on multiple fronts, like if you collide with an uninsured driver, or are a victim of a hit-and-run.

Accident Forgiveness* 

We won’t increase your premium if you get into your first at-fault accident.

Ticket Forgiveness*

We won’t increase your premium over a minor conviction.

*Free for eligible drivers

Is there a specific type of user that tends to save more with Onlia?

Absolutely. Safe homeowners (and drivers) always save more at Onlia – in more ways than one. Home insurance customers can take advantage of our menu of discounts, saving 5% for   protecting your home with a monitored alarm system, and 20% for bundling car and home insurance. See all of our discounts here

Plus, Onlia car insurance customers can earn cashback rewards of up to $40 every month or driving safely with our in-app rewards program, Onlia Sense™ that’s a potential savings of 20% on your yearly premium.

Is there anything else that Perch users should know about Onlia Insurance?

Our mission is closely aligned with Perch’s – we want to streamline an otherwise complicated process for Canadians. Everyone needs access to insurance – so why make it hard? Go online with Onlia today for fast and easy coverage.