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Your insurance policy

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.

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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.

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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.

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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.

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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.

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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.

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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.

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Do demerit points impact my premium?

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

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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!

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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.

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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.

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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

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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.

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