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Our comprehensive car insurance offers the protection you need, when you need it most. From personalized coverage to quick claims processing, we're here to keep you moving forward. Get a quote today!
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With Oona, you can have the peace of mind that comes with knowing your vehicle is protected against the unexpected.
Explore our FAQ page to find all the information you need.
Typically, Acts of Nature are excluded from the policy, but you can add coverage for them by paying an additional premium.
No, once your vehicle is sold or transferred, the insurance policy ends immediately. Any accidents after selling won't be covered unless communicated and approved by the insurance provider.
The policy deductible is the initial amount you have to pay out of your pocket for each claim. It's important to understand this when choosing a car insurance policy.
If the claim amount is equal to or less than the deductible, the insurance company won't pay anything.
For example, if the deductible is ₱3,000:
If you have a loss that costs ₱13,000, the insurance company covers P10,000, and you pay the remaining ₱3,000.
But if the loss is only ₱2,900, you have to pay the full amount because it's below the ₱3,000 deductible.
Think of the deductible as a minimum—if the loss is below it, you pay; if it's above, the insurance company covers it.
Motor Comprehensive insurance in the Philippines provides broader coverage and protection to you and your vehicle. It covers:
1. Damage or loss to your vehicle.
2. Liability for injuries, death, or property damage to the other person involved in an accident.
3. Injuries to you as the driver and your passengers while driving the vehicle.
The price of comprehensive car insurance in the Philippines changes depending on the value of your vehicle. The expensive the vehicle, the higher the insurance price. But for the purpose of estimation, If your vehicle's value ranges from 600k - 1M which is the Fair Market Value, the average premium for your vehicle is 15k - 25k.
Third party insurance provides coverage against liability to a third party. There are two types of TPL insurance for motor vehicles. One is CTPL (Compulsory Third Party Liability), which is required for LTO registration and has a limit of up to ₱200,000. Its coverage is limited to injury or death of a third party. The other is VTPL (Voluntary Third Party Liability), which offers additional protection beyond CTPL with limits ranging from ₱500,000 to ₱1Million. It covers both injury or death and property damage to third parties.
If you don't have CTPL, you cannot register your vehicle, and it is not allowed to be driven in public roads and highways.
For motor comprehensive insurance, it is totally fine if you don't have it unless your vehicle is loaned/financed as it is just an essential requirement prior the approval of the loan.
However, if you are looking for additional coverage like personal accident coverage from an insurance company in the Philippines you may choose motor comprehensive insurance as it offer further financial protection in case of unforeseen incidents.
Comprehensive Motor Insurance is usually considered as the best car insurance because it offers extensive coverage for:
1. Damage or loss to your vehicle.
2. Liability for injuries, death, or property damage to the other person involved in an accident.
3. Injuries to your passengers.
This type of insurance gives you peace of mind on the road, especially when the car insurance coverage includes extra features like easy claims and roadside assistance.
Does the Third-party Bodily Injury Liability cover injuries or death of an animal?
The standard deductible ranges from 0.50% to 1.0% of the Sum Insured, with a minimum of 2,000 or 3,000 for each claim.
Prepare and collate all the required documents and claim details for submission. Click here to see the required documents.
Fill out the online claim form and upload the required documents online.
Make a Claim ----- Other Ways to File a Claim
You can also call our Claims Assistance Hotline (8am to 5pm, M-F) at:
Landline: (632) 8876 4400
Smart: 0920 918 6242
Globe: 0917 581 7175
or email:
fnolclaims@oona-insurance.com.ph (for Motor and Personal Accident Claims) pcm_claims@oona-insurance.com.ph (for Non-motor claims)
For travel claims:
Outside the PH: (+00) 632 8459 4727
Within the PH: (02) 8459 4727
Email: travelassist@oona-insurance.com.ph
Claim result will be informed within 5 business days upon submissions of all required documents to Oona.
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Partial or Total Loss Damage due to collision, theft, fire, malicious acts, and Acts of Nature (AON)
