Frustration with Onlia: Difficulty Cancelling My Insurance Policy
I’m currently facing a frustrating situation with my insurance provider, Onlia, which has been unresponsive to my inquiries and requests for account changes over the past few months. I have both Auto and Home insurance policies with them and reside in Ontario, Canada.
After seeing similar posts from others experiencing the same issues, I decided it was time to cancel my policy altogether. However, despite numerous attempts to do so—including several support tickets and countless hours on hold—my policy remains active. To make matters worse, I found that another monthly payment was deducted yesterday, despite my explicit cancellation request.
Given this predicament, what are my options for canceling my policy without running into legal complications? Would it be advisable to instruct my bank to halt payments to Onlia while I seek coverage with another provider? I feel quite powerless at this point as the company continues to withdraw payments while leaving me uncertain about their support during a claim.
I totally understand how frustrating this situation must be for you. It sounds incredibly difficult to deal with an unresponsive company, especially when it comes to something as important as insurance. Here are some steps you can consider taking to address this issue:
Document Everything: Keep a detailed record of all your attempts to contact Onlia, including dates, times, and the content of your communications. This documentation will be helpful if you need to escalate the situation.
Contact the Financial Services Regulatory Authority of Ontario (FSRA): If you’re not receiving help from Onlia, you can file a complaint with the FSRA. They regulate insurance companies in Ontario and may be able to assist you in resolving the issue.
Stop Payments: Before you decide to instruct your bank to stop payments, consider that this could complicate your relationship with Onlia and potentially impact your credit score. However, if you decide to go this route, ensure it is clearly communicated to your bank that you are doing so as a last resort due to Onlia’s unresponsiveness.
Explore an Insurance Ombudsman: Look into whether there is an insurance ombudsman or an independent dispute resolution service in Ontario that can intervene on your behalf.
Switching Providers: Once you’ve successfully cancelled your policy, you can certainly purchase a new policy from another provider. Make sure you have written confirmation from Onlia regarding the cancellation before proceeding with a new purchase.
Seek Legal Advice: If all else fails and you’re still facing issues, seeking legal advice could be beneficial. A lawyer who specializes in insurance matters would provide guidance on how to proceed without any legal complications.
Remember, you have rights as a consumer, and you shouldn’t have to deal with this level of frustration. Good luck, and I hope you get this sorted out soon!