Overview

Driven by protection. Inspired by you.

Our comprehensive car insurance offers the protection you need, when you need it most.

 

At Oona, we understand the importance of feeling secure on the road. Our car insurance is designed with you in mind, offering personalized, comprehensive coverage that adapts to your unique needs. With quick claims processing and a commitment to your safety, we ensure you can keep moving forward with confidence. Get a quote today and experience the peace of mind that comes with being protected by Oona.

Product

Discover a range of car insurance options designed for your unique needs

Auto-Comprehensive

Auto Comprehensive

Partial or Total Loss Damage due to collision, theft, fire, malicious acts, and Acts of Nature (AON)

Legal Liabilities to third parties in case of death or bodily injury, as well as physical damage to properties

Complimentary Road Side Assistance

Starts From

₱ 6,400.00 / year

Get Quote

Download Brochure

Coverage Add-ons

Compulsory Third-Party Liability (CTPL)

Keeps you covered for losses due to any injury or death of another person

Icon

Acts of Nature (AON)

Protect your vehicle from natural disasters such as earthquakes, typhoon, flood and other convulsions of nature

Icon

Strikes and Riots

Covers you from damages resulting from civil unrest and protests

Icon

Why Choose Oona Philippines Car Insurance?

With Oona, you can have the peace of mind that comes with knowing your vehicle is protected against the unexpected.

Alt

99% Claims Settlement

Ensuring prompt and fair resolutions when you need it most

Alt

24/7 Roadside Assistance

Guarantees support for any vehicle emergency, providing peace of mind wherever you are

Alt

230++ Authorized Workshops

Ensures your vehicle receives top-notch repairs from trusted professionals

Got a Question about Car Insurance in the Philippines?

Explore our FAQ page to find all the information you need.

Does Motor Comprehensive Insurance cover Acts of Nature?

Answer

Typically, Acts of Nature are excluded from the policy, but you can add coverage for them by paying an additional premium.

Questions
Does Motor Comprehensive Insurance cover Acts of Nature?
Sequence Id
10
Tags

If I sell my vehicle, does the insurance transfer to the new owner?

Answer

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.

Questions
If I sell my vehicle, does the insurance transfer to the new owner?
Sequence Id
16
Tags

What is a Policy Deductible?

Answer

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.

Questions
What is a Policy Deductible?
Sequence Id
4
Tags

What is Comprehensive Motor Insurance?

Answer

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.

Questions
What is Comprehensive Motor Insurance?
Sequence Id
1
Tags

How much do I need to pay for comprehensive car insurance in the Philippines?

Answer

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.

Questions
How much do I need to pay for comprehensive car insurance in the Philippines?
Sequence Id
2
Tags

What is Third-party Insurance for car in the Philippines?

Answer

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.

Questions
What is Third-party Insurance for car in the Philippines?
Sequence Id
20
Tags

What happens if I don`t have car insurance in Philippines?

Answer

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.

Questions
What happens if I don't have car insurance in Philippines?
Sequence Id
8
Tags

Which car insurance coverage provides the best protection?

Answer

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.

Questions
Which car insurance coverage provides the best protection?
Sequence Id
5
Tags

Does the Third-party Bodily Injury Liability cover injuries or death of an animal?

Answer

Does the Third-party Bodily Injury Liability cover injuries or death of an animal?

Questions
No, it only covers injuries or death of people. Injuries to animals might be covered under Third Party Property Damage.
Sequence Id
12
Tags

How much does a deductible for a car insurance cost in the Philippines?

Answer

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.

Questions
How much does a deductible for a car insurance cost in the Philippines?
Sequence Id
13
Tags

Articles Related to Car Insurance

How to Revive Your Car's Soaked Interior During Rainy Season in the Philippines

19 June 2024

newsImage

How To Choose The Right Car Workshop To Repair Your Car

19 June 2024

newsImage

Monsoon Season Survival Guide for Your Wheels

19 June 2024

newsImage

7 Reasons Why do You need Car Insurance

8 MARCH 2024

newsImage

How to file a claim for your Philippines Car Insurance?

alt

How to file a claim for your Philippines Car Insurance?

Providing quality insurance services with leading partners

pacifico-logo
Warburg_Pincus-logo