Are gadgets covered by car insurance?

Generally, they’re not—but with Oona Insurance, you can easily get them covered by adding a little extra to your premium, so you can stay connected and protected on the road!

How do they figure out the market value of a car for insurance claims?

A car's market value is usually based on how much your car has dropped in value, its condition, and the prices of similar cars. Insurers use industry-standard valuation tools and experts to find out what your car is worth when you make a claim, making sure you get a fair amount.

What is Third-party Car Insurance (TPL car insurance)?

Third-Party Car Insurance, or simply TPL car insurance, protects you from liability if you’re involved in an accident with someone else. There are two types: 1. CTPL (Compulsory Third Party Liability): This is the basic, must-have coverage for LTO registration, covering up to ₱200,000 for injuries or death of others. 2. VTPL (Voluntary Third Party Liability): This is the extra boost! It extends your coverage beyond CTPL, with limits from ₱50,000 to ₱1 million, covering both injuries, death, and property damage.

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Car Insurance

From Your First Car to Your Dream Ride, Oona’s Got You Covered

No matter what you drive or where you’re headed, our car insurance keeps your vehicle protected for the road ahead. Check out our car insurance plans and discover the right protection for your ride today.

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Why Even the Safest Drivers Need Car Insurance

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

Accidents happen, even to the safest drivers

You may be careful, but not everyone is. More than 70% of collision claims result from another driver’s actions. Car insurance covers costly repairs, legal liabilities, and unexpected expenses, ensuring you’re protected every time you’re on the road.

Unexpected damage strikes when you least expect it

Many damages happen off the road: parked cars, storms, theft, or vandalism. In fact, 1 in 4 car damage incidents occur while the owner isn’t driving. Oona's coverage handles repair bills, tow costs, and losses so you’re not left paying alone. Always.

Insurance Protects Your Finances from Big Repairs.

Serious accidents mean big bills. The average major repair can top ₱150,000, plus medical and legal fees. Without insurance, you may face large out-of-pocket costs. Oona shields your finances so repairs don't derail your life and savings.

Discover car insurance options tailored for your unique style

Compare all benefits

Terms and Conditions apply. Refer to policy wordings for detailed information.

Boost your car insurance coverage with additional protection

Don't just stop at the basics. Protect your ride from the “oops” and “uh-ohs” with extra coverage made for real life

Personal Belonging Protection

Protect your belongings inside your vehicle from loss or damage in case of fire, collision, or carnap.

Alternate Transport Benefit

Enjoy up to 3 days of replacement ride or travel allowance when your car's towed and is stuck at the auto repair shop.

Repair Anywhere Advantage

Enjoy hassle-free repairs at any auto repair shop you choose! Whether it’s your car, accessories, or spare parts that need fixing, we’ve got covered!

Why is Oona Car Insurance the Right Choice?

Unmatched Claims Support You Can Always Trust

With a solvency ratio 4x higher than required, Oona Car Insurance is rock-solid in paying claims. Trust us to stand by you with reliable financial strength and unmatched service whenever you need protection the most.

Dedicated 24/7 Roadside Help Anytime, Anywhere

From flat tires to breakdowns, Oona Car Insurance provides 24/7 roadside assistance nationwide. Get quick, reliable help anytime, anywhere, so you never miss a beat or face unexpected delays on your journey.

Nationwide Protection That’s Always Within Reach

With one of the largest networks of partner auto repair shops and dealerships, Oona Car Insurance ensures you’re never far from top-quality service. We keep your vehicle protected and cared for wherever you travel in the country.

Comprehensive Coverage for Every Type of Driver

Whether you’re navigating city streets or exploring far-off destinations, Oona Car Insurance offers flexible and tailored plans. We protect your vehicle from accidents, theft, and unexpected risks every time you’re on the road.

Quick Policy Issuance for Instant Road Protection

Apply online and receive your Oona Car Insurance policy in minutes. Enjoy instant coverage that protects your vehicle, finances, and peace of mind from day one, so you can hit the road with confidence knowing you’re fully safeguarded.

Full Protection Beyond Road Accidents Coverage

Oona Car Insurance safeguards your car from theft, fire, vandalism, and natural disasters. It provides protection from major risks that can cause costly losses, ensuring that you and your vehicle are safe in every possible situation.

Hear it straight from our satisfied customers

"I can't believe it was this quick and easy to just get a car insurance quote and then purchase online. Good thing I found Oona. Yey!"

Liz C., Quezon City

"Oona saved me thousands of pesos worth of car repairs and hospital bills when I got into an accident last year! I can not imagine the stress I would have suffered, had I not bought comprehensive car insurance. Totally a good decision. Thanks so much, Oona!

Janine V., Cebu

"Choosing from the packages for car insurance online was easy! The website is so user-friendly so it easy to compare options and find the perfect coverage for my car. Highly recommended!"

- John C., Pampanga

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Purchasing car insurance online

Step 1
Begin With a Quick Quote

Simply input your car information and personal details to generate your customized Oona Car Insurance quote online.

Step 2
Customize Your Protection

Select coverage options, add extra benefits, and adjust your plan to match your lifestyle and driving habits.

Step 3
Pay and Get Covered Fast

Pay online through our secure gateway and receive your official Oona Car Insurance policy by email instantly.

Here's your pitstop for a free car insurance quote

Ready your expiring policy and valid ID -- let's get you cruising with a quick, easy car insurance quote!

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Got a question about Car Insurance in the Philippines?

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

View All FAQs

If I sell my vehicle, will my car insurance policy automatically transfer to the new owner?

Answer: No. Your car insurance policy doesn’t transfer automatically to the new owner. You’ll need to coordinate with your car insurance provider to request a policy transfer. If you skip this step, the policy will be suspended, and the new owner won’t have coverage in case of an accident. With Oona Car Insurance, we make the process quick and hassle-free. Just contact us, provide the required documents, and we’ll guide you through the transfer so the new owner can enjoy continuous protection.
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Can I customize my car insurance policy and just choose the coverages I want?

Answer: Absolutely! Most car insurance providers in the Philippines offer flexible and customizable comprehensive car insurance policies. You can tailor your coverage by adding or removing options like roadside assistance, personal accident protection, natural calamity (acts of nature) coverage, and more. This lets you create a car insurance plan that perfectly fits your driving needs and budget, ensuring you only pay for the coverages that matter most to you.
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What happens when I do not get comprehensive insurance for my car?

Answer

Without comprehensive car insurance in the Philippines, you won’t be protected against a wide range of risks. If your car is damaged in an accident, stolen, or hit by natural disasters like floods or typhoons, you’ll shoulder the full repair or replacement cost.

You also lose coverage for many instances of injuries or property damage to others, which can lead to expensive out-of-pocket expenses.

Think of it like driving without a safety net. One major mishap could drain your savings. Comprehensive coverage ensures you’re financially protected from life’s unexpected road bumps.

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What happens when I do not get comprehensive insurance for my car?

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What is car insurance, and why do I need it?

Answer

Car insurance is more than just a legal requirement, it’s a smart way to protect what matters to you. It covers costs from accidents, theft, and even natural calamities, so you won’t have to shoulder everything out of pocket.

In the Philippines, all vehicles need Third-Party Liability (TPL) insurance, but with Comprehensive Car Insurance, you can enjoy broader coverage and peace of mind every time you drive.

Because when you’re protected, every journey feels a little more worry-free.

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What is car insurance, and why do I need it?

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What factors affect the cost of comprehensive car insurance in the Philippines?

Answer: The cost of comprehensive car insurance in the Philippines depends on several key factors that insurance providers consider when calculating your premium. These include your car’s make and model, vehicle age, your driving history and profile, your location or registration area, and the additional coverage options you choose. Each of these elements can influence the price of your car insurance policy, making the final cost unique to your specific vehicle and protection needs. Understanding these factors helps you find the best affordable comprehensive car insurance tailored for your ride.
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Are my gadgets covered by car insurance?

Answer: Generally, standard car insurance policies do not cover gadgets such as smartphones, GPS devices, or other personal electronics inside your vehicle. However, with Oona Insurance, you can easily add gadget protection to your comprehensive car insurance by paying a small additional premium. This way, you can stay connected and keep your valuable devices protected while on the road.
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How much is car insurance in the Philippines?

Answer

The cost of car insurance in the Philippines depends on factors like your vehicle’s market value, coverage type, and added benefits. For comprehensive car insurance, premiums typically range from ₱15,000 to ₱25,000 for cars valued between ₱600,000 and ₱1,000,000.

Higher-value vehicles generally have higher premiums, but the protection is worth the investment. With comprehensive coverage, you’re safeguarded from accidents, theft, Acts of Nature, and third-party liabilities, helping you avoid expensive out-of-pocket costs.

Think of car insurance as financial protection and peace of mind every time you hit the road.

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How much is car insurance in the Philippines?

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Does Comprehensive Car Insurance in the Philippines Cover Roadside Assistance?

Answer: While roadside assistance is not always included in standard policies, many insurance companies offer it as a convenient add-on to your comprehensive car insurance. Services typically cover towing, battery boosts, flat tire fixes, and emergency locksmith services to prevent you from being stranded.
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Does car insurance in the Philippines cover flood damage?

Answer: Yes, many car insurance providers in the Philippines include flood damage coverage in their comprehensive car insurance plans. This means your policy can protect your vehicle against damages caused by natural disasters like floods, typhoons, and other weather-related events. However, coverage for flood damage may vary depending on your insurance provider and specific policy. Some insurers may require an additional premium or special add-ons to fully protect your car from flood and other natural calamities. Always review your car insurance policy details carefully to ensure you have the right protection for flood damage.
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What discounts or promotions are available for car insurance in the Philippines?

Answer: Many car insurance companies in the Philippines offer attractive discounts and promotions to help you save on your premium. Common perks include multi-policy bundling discounts (such as combining car and home insurance), rewards for maintaining a clean driving record, and special offers for loyal customers. You may also find promotions for early policy renewal and no-claims bonuses that reward accident-free years with lower premiums. Be sure to ask your insurer about available discounts to get the best value on your car insurance.
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So many choices! But what is the best car insurance that can provide ultimate coverage?

Answer

The best car insurance in the Philippines for all-around protection is comprehensive car insurance. It offers wide-ranging benefits, including:

Damage or loss to your vehicle from accidents, theft, fire, or natural disasters.
Liability coverage for injuries, death, or property damage to others.
Passenger accident coverage for injuries to your passengers.

Many comprehensive car insurance plans also include perks like 24/7 roadside assistance, fast claims processing, and optional add-ons for even more protection. If you want complete peace of mind on the road, this is the ultimate choice.

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So many choices! But what is the best car insurance that can provide ultimate coverage?

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How long does it take to process a car insurance claim?

Answer: The time it takes to process a car insurance claim in the Philippines can vary widely based on the complexity of the case. Typically, claim settlements range from 3 to 30 days after your insurance company receives all the necessary documents, such as the police report, photos, and vehicle inspection reports. Providing complete and accurate paperwork can help speed up the process, ensuring you get your claim settled as quickly as possible.
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Is comprehensive car insurance mandatory in the Philippines?

Answer: No, comprehensive car insurance is not mandatory in the Philippines. Unlike third-party liability insurance, which the Land Transportation Office (LTO) requires for vehicle registration, comprehensive insurance is optional. However, choosing comprehensive car insurance offers you broader protection, covering damages from accidents, theft, fire, and natural disasters like floods and typhoons. Many Filipino drivers opt for comprehensive coverage to enjoy greater peace of mind and safeguard their investment on the road.
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Can I cancel my comprehensive car insurance policy at any time?

Answer: Yes, you can cancel your comprehensive car insurance policy at any time in the Philippines. However, it’s important to review your insurance provider’s terms and conditions before doing so. Keep in mind that you may not receive a full refund of your premium after cancellation, as some insurers apply fees or prorated charges. Always check your policy details or consult your insurer to understand any penalties or refund policies associated with canceling your car insurance.
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How can I find the best car insurance provider in the Philippines?

Answer: To find the best car insurance provider in the Philippines, start by comparing insurance quotes, policy coverage options, and customer reviews. It’s also important to consider the company’s reputation, ease of the claims process, and additional benefits such as customer support, discounts, and flexible payment plans. Choosing a provider that offers reliable service and value for money ensures you get the best protection for your vehicle.

Oona Insurance is a leading choice for comprehensive car insurance in the Philippines. With a wide range of coverage options, competitive rates, and excellent customer service, Oona delivers a complete insurance solution tailored to your needs. Our dedication to outstanding value and support makes us a trusted partner for Filipino drivers seeking affordable and dependable car insurance.
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What is a Policy Deductible?

Answer

A car insurance policy deductible is the fixed amount you agree to pay out-of-pocket before your coverage takes effect. It’s like your financial threshold, once you cross it, your insurer takes care of the rest.

For example, with a ₱3,000 deductible: if your repair costs ₱13,000, you pay ₱3,000 and your car insurance covers the remaining ₱10,000. But if the bill is ₱2,900 (below your deductible) you’ll shoulder the full cost.

With Oona Car Insurance, we keep deductibles fair and transparent so you can choose the right balance between lower premiums and better protection.

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What is a Policy Deductible?

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How do I file a car insurance claim in the Philippines?

Answer: Filing a car insurance claim in the Philippines is straightforward when you follow these key steps. First, contact your car insurance provider immediately after the incident. You’ll need to submit important documents such as a police report, photos of the vehicle damage, and a valid driver’s license. Your insurance company will guide you through the claims process, which may include vehicle inspection and repair arrangements to ensure you receive the appropriate coverage and support.

At Oona Insurance, we pride ourselves on a hassle-free and efficient claims process. Our friendly and knowledgeable claims agents will assist you every step of the way, making sure you get the help you need quickly and smoothly. We understand that filing a claim can be stressful, so we aim to make the experience as easy and worry-free as possible.
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Does Comprehensive Car Insurance cover Acts of Nature?

Answer: Yes! Most comprehensive car insurance plans include Acts of Nature (AON) coverage, protecting your vehicle from damage caused by natural events such as storms, floods, earthquakes, and typhoons. If you choose a basic car insurance policy, AON may need to be added as an extra option.

With AON included in your plan, your car stays protected from the unpredictable, whether it’s a sudden downpour, flash flood, or a powerful typhoon.

At Oona Car Insurance, our most comprehensive plans come with AON protection plus extensive coverage for accidents, theft, fire, and more. That means you can drive with confidence knowing your car is safeguarded against both everyday risks and extreme weather. Choose the right Oona plan and enjoy complete peace of mind on every journey.
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Does comprehensive insurance cover car theft or vandalism?

Answer: Definitely! Comprehensive car insurance in the Philippines is designed to protect your vehicle against theft, vandalism, and other risks beyond just accidents. This coverage provides peace of mind by safeguarding your car from criminal damage and loss. However, coverage specifics can vary between insurance providers, so it’s important to review your policy details or consult with your insurer to ensure you have full protection against theft and vandalism.
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How do they determine the market value of a car for insurance claims?

Answer: Insurance companies in the Philippines calculate a car’s market value for insurance claims based on several important factors. These include the car’s depreciation over time, its current condition, mileage, and the selling prices of similar vehicles in the local market. Insurers rely on industry-standard vehicle valuation tools and expert appraisals to accurately assess your car’s worth when you file a claim. This ensures that you receive a fair and reasonable payout based on your car’s true market value at the time of the claim.
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What is Comprehensive Car Insurance?

Answer: Comprehensive car insurance in the Philippines is a premium coverage option that protects both you and your vehicle from a wide range of risks. This type of car insurance goes beyond basic coverage, offering financial protection for:

Vehicle damage or loss – Covers accidents, theft, fire, and Acts of Nature such as floods, typhoons, and earthquakes.

Third-party liability – Pays for injuries, death, or property damage you cause to other people.

Personal accident coverage – Protects you and your passengers in case of injury or death from a road accident.

By choosing comprehensive car insurance, you safeguard your finances from costly repairs, medical bills, and legal liabilities. It’s the most complete form of car insurance, giving you peace of mind every time you drive.
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I would like to purchase comprehensive car insurance online. What are the payment options available to me?

Answer

When buying comprehensive car insurance online in the Philippines, you have multiple convenient payment options. Most insurance providers, including Oona Insurance, accept payments via credit or debit cards, as well as popular e-wallets like Gcash and Maya. Other payment methods may include bank transfers, Bills Payment facilities, and more.

To find the most convenient payment option for your needs, you can contact an Oona representative or your trusted Oona agent who will guide you through the process, making it easy to secure your car insurance coverage anytime, anywhere.

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I would like to purchase comprehensive car insurance online. What are the payment options available to me?

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Is my vehicle covered while it is being transported inside and by a ship?

Answer: Typically, standard car insurance policies in the Philippines do not cover your vehicle while it’s being transported inside or by a ship. However, with Oona Insurance, you can easily add transit coverage for your car by paying a small additional premium. This ensures your vehicle is protected during its journey, giving you peace of mind from departure to arrival—because your car’s safety during transport is just as important as the destination.
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What is Third-Party Liability (TPL) Car Insurance?

Answer: Third-Party Car Insurance, or TPL car insurance, protects you from financial liability if you cause injury, death, or property damage to others in a road accident.

There are two main types:

CTPL (Compulsory Third Party Liability) – The basic car insurance required for LTO registration. It covers up to ₱200,000 for injuries or death of third parties.

VTPL (Voluntary Third Party Liability) – An optional upgrade that extends coverage limits from ₱50,000 to ₱1 million, protecting you from both bodily injury/death claims and property damage expenses.

CTPL ensures you meet the legal requirement, while VTPL gives you stronger financial protection for bigger risks on the road.
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Are there any penalties for late payment of car insurance premiums?

Answer: While penalties for late payment of car insurance premiums are uncommon, missing your payments can lead to serious consequences such as policy cancellation. To keep your car insurance coverage active and avoid any lapses in protection, it’s important to pay your premiums on time. Staying current with your payments ensures continuous coverage for accidents, theft, and other risks on the road.
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What is the difference between comprehensive and collision coverage?

Answer: Collision coverage protects your vehicle against damages resulting from accidents or crashes involving other vehicles or objects. It’s essential for covering repair costs after collisions. On the other hand, comprehensive car insurance offers broader protection—it includes coverage for collision damages plus non-collision risks such as theft, vandalism, fire, and natural disasters like floods and typhoons. Understanding the difference helps Filipino drivers choose the right insurance coverage to suit their needs and budget.
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How much does a deductible for a car insurance cost in the Philippines?

Answer: In the Philippines, a car insurance deductible typically costs 0.5% to 1% of your car’s insured value, with a minimum of ₱2,000 to ₱3,000 per claim. This is the out-of-pocket amount you need to pay before your insurance coverage takes over for repairs or claims. Choosing the right deductible can help balance your car insurance premium and your potential expenses after an accident.
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Does car insurance in the Philippines cover medical expenses in case of an accident?

Answer: Many comprehensive car insurance policies in the Philippines include personal accident coverage, which helps cover medical expenses for you and your passengers in the event of an accident. However, coverage can vary, so it’s important to review your policy details to understand what medical benefits are included.

At Oona Insurance, our comprehensive car insurance plans often come with personal accident coverage as a standard feature. This provides peace of mind knowing that you and your passengers have financial protection for medical costs related to accidents. Choosing Oona means you get affordable, reliable car insurance with added protection for you and your loved ones during unforeseen incidents on the road.
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I bought my vehicle second-hand, but the OR/CR is not under my name yet. Can I still get car insurance?

Answer: Absolutely! In the Philippines, you can still get car insurance for a second-hand vehicle even if the Official Receipt (OR) and Certificate of Registration (CR) are not yet transferred to your name. Simply submit a copy of your notarized Deed of Sale to the insurance company, and they will process the policy transfer under your name. This makes it easy and convenient to secure insurance coverage for your used car while completing the ownership transfer.
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Can I insure a second-hand vehicle with comprehensive insurance in the Philippines?

Answer: Yes, you can insure a second-hand vehicle with comprehensive car insurance in the Philippines. Many insurance providers offer coverage for used cars, but the premium cost and policy terms typically depend on factors such as the vehicle’s age, condition, and current market value. Insuring a pre-owned car with comprehensive coverage helps protect your investment against accidents, theft, natural disasters, and other risks on the road.
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Notes

The information on this website provides a general overview. For comprehensive details and the full terms and conditions, please refer to the policy document.

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Car Insurance

From Your First Car to Your Dream Ride, Oona’s Got You Covered

Why Even the Safest Drivers Need Car Insurance

Accidents happen, even to the safest drivers

Unexpected damage strikes when you least expect it

Insurance Protects Your Finances from Big Repairs.

Discover car insurance options tailored for your unique style

Boost your car insurance coverage with additional protection

Personal Belonging Protection

Alternate Transport Benefit

Repair Anywhere Advantage

Why is Oona Car Insurance the Right Choice?

Unmatched Claims Support You Can Always Trust

Dedicated 24/7 Roadside Help Anytime, Anywhere

Nationwide Protection That’s Always Within Reach

Comprehensive Coverage for Every Type of Driver

Quick Policy Issuance for Instant Road Protection

Full Protection Beyond Road Accidents Coverage

Liz C., Quezon City

Janine V., Cebu

- John C., Pampanga

Purchasing car insurance online

Step 1Begin With a Quick Quote

Step 2Customize Your Protection

Step 3Pay and Get Covered Fast

Here's your pitstop for a free car insurance quote

Got a question about Car Insurance in the Philippines?

If I sell my vehicle, will my car insurance policy automatically transfer to the new owner?

Can I customize my car insurance policy and just choose the coverages I want?

What happens when I do not get comprehensive insurance for my car?

What is car insurance, and why do I need it?

What factors affect the cost of comprehensive car insurance in the Philippines?

Are my gadgets covered by car insurance?

How much is car insurance in the Philippines?

Does Comprehensive Car Insurance in the Philippines Cover Roadside Assistance?

Does car insurance in the Philippines cover flood damage?

What discounts or promotions are available for car insurance in the Philippines?

So many choices! But what is the best car insurance that can provide ultimate coverage?

How long does it take to process a car insurance claim?

Is comprehensive car insurance mandatory in the Philippines?

Can I cancel my comprehensive car insurance policy at any time?

How can I find the best car insurance provider in the Philippines?

What is a Policy Deductible?

How do I file a car insurance claim in the Philippines?

Does Comprehensive Car Insurance cover Acts of Nature?

Does comprehensive insurance cover car theft or vandalism?

How do they determine the market value of a car for insurance claims?

What is Comprehensive Car Insurance?

I would like to purchase comprehensive car insurance online. What are the payment options available to me?

Is my vehicle covered while it is being transported inside and by a ship?

What is Third-Party Liability (TPL) Car Insurance?

Are there any penalties for late payment of car insurance premiums?

What is the difference between comprehensive and collision coverage?

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

Does car insurance in the Philippines cover medical expenses in case of an accident?

I bought my vehicle second-hand, but the OR/CR is not under my name yet. Can I still get car insurance?

Can I insure a second-hand vehicle with comprehensive insurance in the Philippines?

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Your One-Click Guide to Car Insurance Quotes Online

What No One Tells You About Car Insurance Quotes (But Should)

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