Onlia car insurance review

Get cashback with the Onlia car insurance app

Being a good driver pays. The Onlia auto insurance app uses distraction-free telematics to sense your driving habits. By maintaining a good drivescore, you can earn up to $50 cashback per month. The Onlia website assures customers that data from the app will never impact their premiums. It’s only used to reward good driving habits.

What does Onlia car insurance coverage include?

• High liability. The third party liability coverage is set at $1,000,000. There is an optional upgrade to $2,000,000 as well.
• 75% settlement choice. If you’re in a collision, your vehicle can be repaired or replaced if the damage exceeds 75% of its value. The decision is yours.
• Rental cars. While your car is getting repaired or replaced after a collision, Onlia will provide a rental car.
• Accident forgiveness. Your first collision won’t increase your monthly insurance cost with Onlia.
• Ticket forgiveness. If you’ve been a good driver with Onlia for years, the occasional traffic ticket might not bump up your premium.
• Collision and comprehensive. Physical damage protection is an option. It covers many types of damage.
• Freedom to cancel anytime. If you don’t like Onlia’s services, you can leave when you want with no penalites.
• Purchase or lease price guarantee. When your car is considered a write-off, it’ll be replaced with a similar make and model up to your car’s original purchase or lease value.
• Permission to carry paying passengers. You can drive friends, coworkers or anyone who gives you compensation for a ride to and from the workplace. Note that rideshare and taxi services like Uber and Lyft are not covered.
• Optional accident benefits coverage. A standard amount is included, but you have the choice to add more coverage.

Are there any limitations or exclusions with Onlia car insurance?

• Commercial services. Onlia does not offer commercial car insurance, including coverage for rideshare or taxis services.
• Failure to maintain your car. As a car owner, you’re responsible for properly maintaining your vehicle. If you don’t, insurance coverage may not apply.
• Illegal activities. If you’ve committed a crime while driving and incur an accident, you likely won’t receive coverage. For example, driving under the influence, submitting a false claim or driving with a suspended license are all illegal activities.
• Accident report. There is a certain period of time that car insurance claims must be made. If you miss the window, you may not receive compensation.

Does Onlia offer other types of insurance?

With Onlia, you can get both home and auto insurance. Onlia home insurance offers coverage for properties (including condos), landlords and tenants. Seasonal coverage is also available as well as group home and auto insurance for employees.

Onlia bundles and savings

• If you bundle home and car insurance, Onlia offers 20% savings on home insurance and 15% on car insurance.
• When you finish the graduated licensing process, you will receive a 10% discount for the first year.
• You can save 20% off per car if you insure two or more cars on the same Onlia account.
• Retired individuals get a 5% discount on Accident Benefits.
• If you put winter tires on your car before the end of November, you can receive a 2% discount.
• Save up to 5% when you have Onlia car insurance for 3+ years with no claims for 5+ years. Save up to 30% the longer you go without making a claim.

How to apply for Onlia car insurance

1. Visit the Onlia website.
2. Select Get a Quote.
3. Choose Auto Quote, Home Quote or Home & Auto Bundle.
4. Provide vehicle details, driver details and information about the coverage you need. Submit your information to get a quote. The entire process takes just a few minutes.