Toronto Star

SHOULD I BREAK UP WITH MY BROKER?

Times have changed. Has your broker changed with them?

- This content was funded and approved by the advertiser.

Insurance has changed. Or more correctly, the process of getting insurance has changed — for the better.

Astute online insurers are now giving you the options you need and making the whole process easier – that means you can get the insurance you need on your own terms, and when you are ready to make it happen.

Sure, you know you need protection against the financial hits that might come from forces or interventi­ons entirely out of your control.

But it’s not pleasant to think about these events or how they might happen – but putting off buying insurance won’t make them any less likely. The earlier you’re insured, the more protected you’ll be.

The good news is, you can get the informatio­n you need and submit all your details online, with no need to visit an office, or even sign any paperwork. But that doesn’t mean there aren’t real people behind the scenes.

With Onlia, the only fully digital insurance provider in Ontario, you are dealing with a local company and people who understand your community. And while their insurance is self-serve, you can chat with them whenever you want to get answers to your questions – they’re there to make sure you buy coverage that’ll actually benefit you and help you out along the way if you need it.

New to insurance? No big deal. This might be the first time you’ve ever needed it – that’s not unusual.

You’ve got to start somewhere. Onlia understand­s that you should be in control of your insurance policy, but that doesn’t mean you don’t need advice on what coverages you need.

Most insurance policies are weighed down by legal jargon, long phone calls, and printing & scanning documents -who even has a printer anymore?

Onlia’s process is designed to be self-serve, but with a twist: they have 24/7 support for when you need it. Their helpful chatbot is online 24/7 for when you remember to get insurance in the middle of the night, and live agents are available online and over the phone on weekdays. You probably won’t need them though – fill out a few details and get a quote in just a few minutes. Their coverages are easy to understand, so you can choose the ones you need and checkout to be covered as soon as the next day.

As soon as you register, you can access all your informatio­n through My Account. If your circumstan­ces change and you need to update your profile or ask questions, someone is there to help, too. But you can do everything yourself online, and even cancel your insurance if you want — in just a few clicks. There are no hidden fees or penalties — and most importantl­y, no phone calls or paperwork required — and your cancellati­on will take effect the next day.

If you must make a claim — let’s face it, that’s what insurance is for — the process is hassle-free and focused on you and your needs. You are supported every step of the way, and the Onlia team will advocate on your behalf.

If this all sounds surprising… well, it is. And it’s all for you.

“Onlia’s process is designed to be self-serve, but with a twist: they have 24/7 support for when you need it.”

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