Why Oona Motorcycle Insurance Is Better Than Your Dealer’s Offer

Why Oona Motorcycle Insurance Is Better Than Your Dealer’s Offer

Buying a motorcycle in the Philippines is exciting—but let’s be real, it’s also full of choices. From picking the perfect ride for your daily commute to upgrading with cool accessories, one familiar line always comes up at the dealership:
 

“Sir, ma’am—add insurance na rin para complete package na!”
 

Sure, it sounds convenient. But here’s the truth: dealer-offered motorcycle insurance is often overpriced, limited in coverage, and not built with real Pinoy riders in mind. Many end up paying more for less protection.
 

That’s where Oona Motorcycle Insurance comes in. We offer affordable motorcycle insurance in the Philippines with flexible coverage options, real value, and trusted protection for every ride.
 

Ready to see why more Filipino riders are ditching the dealer package for something smarter? Let’s break it down—and show you why Oona is the best motorcycle insurance for Filipino riders who want real peace of mind on the road.

1. Transparent Pricing — No Hidden Add-Ons

Let’s start with what matters most to many riders: the cost of motorcycle insurance. When you buy from a dealership, the insurance is often quietly bundled into your financing. No itemized breakdown. No chance to compare. No say in what you're actually paying for.
 

Here’s how Oona stacks up when it comes to pricing clarity and control:
 

Pricing Transparency Comparison

With Oona Motorcycle Insurance, what you see is exactly what you get—no surprise add-ons, no confusing terms, just straightforward, affordable motorcycle insurance in the Philippines.
 

Real Talk: Bought a ₱90,000 scooter and went with the dealer’s “convenient” package? You could be shelling out an extra ₱1,800+ a year for basic CTPL—with zero upgrades. With Oona, you get the option to upgrade your motorcycle insurance coverage, often for the same price or even less—and with a lot more peace of mind.

2. More Than Just CTPL — Real Comprehensive Options

Once you’ve wrapped your head around the price, the next important question is: what exactly are you covered for? Dealer policies usually offer just the bare minimum: CTPL (Compulsory Third-Party Liability). While it’s required by law, it doesn’t really protect you if something happens to your bike.
 

Dealer Insurance = basic CTPL
 

Oona Motorcycle Insurance = comprehensive, customizable protection for both you and your bike.
 

Here’s how the coverage stacks up:
 

Coverage Comparison:

With Oona Motorcycle Insurance, you have the freedom to build a policy that actually protects both you and your bike—whether it’s for theft protection, motorcycle accidents, or Acts of Nature like floods, earthquakes, or storms.
 

Ready to get insured without the hassle? Let’s dive into how easy it is to get the right motorcycle protection with Oona.

3. Buy Online — In Minutes, Without Leaving Home

Tired of balik ng balik sa dealership? Or waiting endlessly for someone to “get back to you” just to finalize your policy? With Oona Motorcycle Insurance, you can buy motorcycle insurance online—fast, simple, and 100% hassle-free.
 

Here’s how the process compares:

No more paperwork. No more long waits. Just fast, easy motorcycle insurance in the Philippines—right at your fingertips.
 

And once you’re covered, what happens if something actually goes wrong, like an accident or theft? That’s where Oona’s seamless claims process really sets us apart. Let’s get into that next.

Recommended Read: How to Buy Oona Motorcycle Insurance Online

4. Fast and Hassle-Free Claims Process

Here’s the real test of any motorcycle insurance: what happens when you actually need it? For many riders with dealer-issued insurance, this is where frustration starts—slow responses, unclear steps, and lots of chasing.
 

At Oona Motorcycle Insurance, we flip the script. We’ve built a fast, transparent, and fully digital claims process designed to get you back on the road, not stuck in paperwork.

With Oona, you won’t be left guessing. We keep you updated every step of the way—from filing to follow-up—so you’re never stuck chasing coordinators or wondering what comes next.

And remember, great motorcycle insurance isn't just about coverage or claims—it’s about having a partner you can count on throughout your entire journey.

5. Exceptional Customer Service That Actually Helps

Unlike many dealer agents who push motorcycle insurance just to get the sale, Oona is built differently. Our dedicated team is trained to help Filipino riders truly understand their policy, choose the right protection, and get the most value from their motorcycle insurance—from day one all the way through renewal.
 

Here’s how Oona’s support stacks up against typical dealer insurance:

And here’s the best part: Oona Motorcycle Insurance is made specifically for Filipino motorcycle riders—not a repackaged product from abroad. We understand your routes, your needs, and your ride. That's insurance that actually gets you.

6. Insurance Made for Filipino Riders, Not Just For Sales

Let’s be real: most dealer insurance feels generic, like a one-size-fits-all package. But riders in the Philippines face unique, everyday challenges—like surprise downpours, risky roads, tight budgets, and even motorcycle theft.
 

That’s why Oona Motorcycle Insurance is designed specifically for Filipino riders, with the kind of flexible, affordable motorcycle protection that actually makes sense for your lifestyle.
 

Here’s what makes Oona different:
 

✅ Flexible plans for all types of bikes—from scooters to underbones to big bikes
 

✅ Low starting premiums that fit your budget without cutting corners on coverage
 

✅ Add-ons that matter, like protection from flooding, theft, and other common Pinoy risks
 

And if you’re thinking, “But I already have insurance from the dealer…”—don’t worry. You can still switch to a plan that’s built for you—not just for the sales quota.

7. You Can Switch or Renew Anytime with Oona

You don’t need to wait for an accident—or for your policy to expire—before making the switch. Whether your dealer insurance is about to end or you’re just ready for better motorcycle insurance in the Philippines, Oona makes it easy to upgrade anytime.
 

Pro tip: Use Oona’s free online quote tool to compare plans with zero pressure. No commitments, just smarter choices. 
 

Let’s lay it all out. Here’s what you’re really getting when you choose Oona:

Final Showdown: Dealer vs. Oona Motorcycle Insurance

With Oona Motorcycle Insurance, you're not just buying a policy—you’re investing in peace of mind that’s actually built for you, your bike, and the roads you ride on.

Conclusion: Get Insurance That’s Built for You, Not Just Bundled With Your Bike

When you’re buying a new motorcycle, it’s tempting to just say “yes” to the dealer’s insurance offer and get everything done in one go. It feels convenient—until you realize you’re stuck with limited coverage, vague terms, and support that disappears when you need it most.
 

Oona Motorcycle Insurance is different. It’s made for Filipino riders, not for dealer sales quotas. You get coverage that actually protects what matters—with zero pressure, total control, and full transparency.
 

With Oona, you're getting:
 

✅ Customizable motorcycle insurance plans for your bike type and budget

✅ Fast, easy online quotes, purchases, and renewals—no paperwork hassle

✅ Friendly, reliable support from a team that puts riders first

✅ Real protection, not just the bare minimum CTPL
 

So before you ride off with a bundled dealer policy, ask yourself: Is this really the best protection I can get?
 

With Oona Motorcycle Insurance, the answer is a confident yes.
 

Get a free motorcycle insurance quote today—and ride smarter, safer, and stress-free.