Cancellation service N°1 in Canada
Contract number:
To the attention of:
Cancellation Department – Onlia
351 King St. East, Suite 801
M5A 0L6 Toronto
Subject: Contract Cancellation – Certified Email Notification
Dear Sir or Madam,
I hereby notify you of my decision to terminate contract number relating to the Onlia service. This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual notice period.
I kindly request that you take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper receipt of this request;
– and, where applicable, send me the final statement or balance confirmation.
This cancellation is sent to you by certified email. The sending, timestamping and integrity of the content are established, making it equivalent proof meeting the requirements of electronic evidence. You therefore have all the necessary elements to process this cancellation properly, in accordance with the applicable principles regarding written notification and contractual freedom.
In accordance with the Consumer Rights Act 2015 and data protection regulations, I also request that you:
– delete all my personal data not necessary for your legal or accounting obligations;
– close any associated personal account;
– and confirm to me the effective deletion of data in accordance with applicable rights regarding privacy protection.
I retain a complete copy of this notification as well as proof of sending.
Yours sincerely,
18/01/2026
Cancellation Onlia: Easy Method
What is Onlia
Onlia is a Canadian insurance provider and brokerage that offers home and auto insurance products online and through brokers. It provides online quotes and policy purchases and manages policy administration, cancellations and complaints through its customer service channels and support pages.
How to cancel Onlia
- Call Onlia at 1-844-472-1905 or email your broker to request cancellation; Onlia will send a cancellation form that must be signed by all named insureds and returned. Follow any instructions from the broker or Onlia representative about the effective date and documentation.
- If you prefer a written record, follow the phone/email request by sending a signed cancellation form or a cancellation letter; consider using registered mail (see Address section) to confirm delivery.
- Keep copies of the completed cancellation form, any confirmation emails or call reference numbers, and proof of delivery for your records.
What happens when you cancel
When you cancel a policy, your coverage ends on the effective cancellation date you and Onlia agree to; make sure you have replacement coverage in place if required by law or your lender. If the cancellation occurs before renewal, penalties or short-term cancellation charges may apply depending on the remaining contract period and your policy terms. Onlia retains policy records and personal data in line with its privacy policy; ask for confirmation of the cancellation and details on how long records are retained if you need them.
Will I get a refund?
Refunds are handled case-by-case. Onlia generally processes refunds to the original payment method, but the amount may be reduced by any applicable cancellation penalty or prorated premium calculation. Some third-party summaries claim cancellations via website/email can be effective immediately with prorated refunds and no penalty, but Onlia’s official guidance indicates a signed cancellation form and possible penalties before renewal. Users have reported refund delays or failures in some cases; if a refund is delayed, escalate through Onlia’s complaints process (see After cancelling).
Onlia plans and pricing
| Plan | Price | Period | Features |
|---|---|---|---|
| Example Auto Insurance - Pickering, ON (2023 Kia Forte5 GT) | C$433.00/month (~C$5,195/year) | Monthly/Annual | Example cheapest quote for a 28-year-old female with a 2023 Kia Forte5 GT |
| Example Auto Insurance - Milton, ON (2020 Subaru Impreza AWD) | C$119.00/month (~C$1,432/year) | Monthly/Annual | Example cheapest quote for a 35-year-old female with 2020 Subaru Impreza AWD |
| Example Auto Insurance - Milton, ON (2021 Jeep Grand Cherokee Summit) | C$277.00/month (~C$3,318/year) | Monthly/Annual | Example cheapest quote for a 35-year-old female with 2021 Jeep Grand Cherokee Summit |
Onlia does not publish fixed public pricing; rates vary by individual profile and quote. The examples above are third-party quoted amounts and may not reflect your personal quote.
Your consumer rights in Canada
Canadian and provincial consumer protection laws may provide cooling-off rights or other protections for insurance purchases, but Onlia’s publicly available terms do not explicitly state a 14-day automatic withdrawal right. If you believe a statutory right applies or Onlia’s terms are unclear, you may rely on provincial consumer protection guidance and escalate if necessary. Onlia provides a Compliments and Complaints process with an expected acknowledgment within 3 business days and target resolution within 15 business days; if internal resolution fails you may escalate to an external dispute-resolution body such as the General Insurance OmbudService or pursue bank dispute channels, consumer protection agencies, or small claims court for unauthorized withdrawals or unpaid refunds.
Customer experiences
Many customers report that Onlia’s online quoting and initial purchasing process is fast and straightforward, and that agents can be helpful and friendly at first contact. Conversely, there are recurring complaints about customer service during policy administration: long phone wait times, unresponsive email, dropped calls, and difficulty cancelling policies or updating billing information. Several reports also describe billing problems after cancellation and delayed or missing refunds, which have led some customers to escalate disputes externally.
Documentation checklist
- Policy number and full policy documents
- Government ID for named insured(s)
- Completed and signed cancellation form (signed by all named insureds)
- Preferred refund method/bank details (if required)
- Proof of replacement insurance (if needed) and preferred cancellation effective date
- Copies of prior correspondence or confirmation numbers
Common mistakes
Common problems include assuming online self-service or app-store subscription methods apply - Onlia sells insurance policies, not app subscriptions - so cancelling through an app store will not cancel the insurance. Another frequent mistake is not returning the signed cancellation form, which can delay processing; always confirm the exact form and signature requirements. Customers sometimes cancel without setting an effective date or obtaining written confirmation, which can lead to unexpected lapses or continued withdrawals. Finally, relying on third-party summaries that state different procedures (for example, immediate website cancellations with no penalties) without confirming Onlia’s official process can cause surprises at refund time.
Comparative recap
| Method | Refund | Difficulty |
|---|---|---|
| Phone - call 1-844-472-1905 | Refunds processed to original payment method; may be prorated or reduced by penalties; processing and timing vary. | Medium - High (reports of long wait times and service issues). |
| Email broker / email Onlia | Same as phone in principle (refund to original method), but may require signed form; timing can vary. | Medium - High (potential delays and follow-up required). |
| Website / third-party claims | Third-party summaries claim immediate, prorated refunds with no penalty; this is not confirmed by Onlia’s official guidance. | Low if valid, but unverified - confirm with Onlia to avoid surprises. |
| App Store / Google Play | Not applicable - Onlia policies are insurance products, not app subscriptions; refunds via app stores are unlikely to cancel the policy. | Irrelevant for insurance cancellation. |
After cancelling
After you cancel, obtain written confirmation of the cancellation date, the final premium calculation and any refund or outstanding balance. If a refund is promised but delayed, use Onlia’s Compliments and Complaints form to escalate and retain all correspondence. Useful links: Onlia renewal/support information is at Onlia renewal & policy support and the complaints form is at Onlia compliments and complaints. If Onlia’s internal process does not resolve the issue, consider external escalation to your provincial consumer protection office, bank dispute channels for unauthorized withdrawals, or an independent insurance ombudsman or small claims court.
Address
Send cancellation correspondence and signed forms (consider registered mail for delivery confirmation) to:
Onlia Agency Inc.
351 King St. East, Suite 801
Toronto, Ontario M5A 0L6
Canada