Car Insurance

No matter the journey, Oona keeps your car secure.

Whether you’re a city cruiser or a weekend adventurer, we've got the perfect coverage to keep you protected wherever you go. Check out our car insurance plans and discover the right protection for your ride today.


I'm a safe driver - why do I need car insurance?

The road's full of surprises!
- In the Philippines, around 410 people die each year in road crashes. With 51% being drivers, 36% pedestrians, and 13% passengers, even a skilled driver can encounter unexpected trouble.1 Be prepared for the unexpected with car insurance that’s as ready as you are!

Costly repairs can break the bank
- A single fender-bender could set you back around ₱40,000 to ₱100,000 for repairs.1 That's a lot of pesos! Car insurance helps cushion those costs, so your wallet doesn’t have to take the hit every time you need a fix.

Injury and death expenses can be shockingly high
- Without insurance, medical bills for injuries can skyrocket. Covering everything from minor scrapes to major treatments can cost anywhere from ₱50,000 to ₱500,000.1 Insurance ensures you're not stuck with a hefty bill after an accident.


Discover car insurance options tailored for your unique style

Auto Lite (From ₱4,500.00)
- Ideal for Practical Commuters, this basic plan offers simple, reliable coverage for your daily drives—no frills, just essential protection.

Own-Damage - Oona Preferred Repairers (OPR)
Theft - Included
UPPA per Passenger - UPPA ₱25,000
Roadside Assistance - Included
Auto PA - ₱25,000
Acts of Nature (AON) - Not included
Strikes and Riots - Not included
Standard accessories - Not included
Inter-island Transit cover - Not included
VTPL - Bodily Injury - Not included
VTPL - Property Damage - Not included
Deductible - Starts at ₱4,000


Auto Premier (From ₱9,800.00)
- Our top choice for Premier Roadsters, this plan offers enhanced protection and extra perks for complete coverage on every journey.

Own-Damage - Oona Preferred Repairers (OPR)
Theft - Included
UPPA per Passenger - UPPA ₱50,000
Roadside Assistance - Included
Auto PA - ₱50,000
Acts of Nature (AON) - Included
Strikes and Riots - Included
Standard accessories - Included
Inter-island Transit cover - Included
VTPL - Bodily Injury - ₱200,000
VTPL - Property Damage - ₱200,000
Deductible - Starts at ₱4,000


Auto Elite (From ₱11,100.00)
- For Elite Navigators, this plan delivers top-tier protection and unmatched coverage every mile, ensuring peace of mind on each journey.

Own-Damage - Any workshop of your choice
Theft - Included
UPPA per Passenger - UPPA ₱100,000
Roadside Assistance - Included
Auto PA - ₱100,000
Acts of Nature (AON) - Included
Strikes and Riots - Included
Standard accessories - Included
Inter-island Transit cover - Included
VTPL - Bodily Injury - ₱200,000
VTPL - Property Damage - ₱200,000
Deductible - Starts at ₱4,000

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 trust
- With a solvency ratio 4X higher than required, we’re rock-solid when it comes to paying claims. Count on us to have your back, no matter what!

Dedicated 24/7 Roadside Assistance
- Count on us for a more dedicated, round-the-clock support, anywhere you need us. So you never miss a beat on the road

Nationwide Protection, Always Within Reach
- We have one of the largest networks of auto repair shops and dealerships across the country, so you're never far from Oona's top-notch service!


Got a question about Car Insurance in the Philippines?
Explore our FAQ page to find all the information you need.

If I sell my vehicle, will my car insurance policy automatically transfer to the new owner?
- Not automatically. You must coordinate and request the transfer with the insurance company—if not, the policy gets suspended, and any accidents won’t be covered!

Can I customize my car insurance policy and just choose the coverages I want?
- Absolutely! Most car insurance companies allow you to customize your comprehensive car insurance policy. You can add or drop things like roadside assistance, personal accident coverage, or acts of nature coverage—whatever suits your driving style!

What factors affect the cost of comprehensive car insurance in the Philippines?
- The cost of comprehensive car insurance in the Philippines is based on a mix of factors like your car’s make and model, its age, your driving profile, where you’re registered, and any extra coverage you pick. So, the price tag can vary based on your unique ride and needs!

How much is car insurance in the Philippines?
- The cost of comprehensive car insurance in the Philippines varies based on your vehicle's value—the pricier the ride, the higher the car insurance cost. For a car valued between PHP 600,000 and PHP 1,000,000, you can expect an average premium of around PHP 15,000 to PHP 25,000. Think of it as investing in peace of mind—your car’s worth and protection go hand in hand!

Does car insurance in the Philippines cover flood damage?
- Yes, most car insurance companies offer comprehensive car insurance plans that cover damages or loss from natural calamities like floods. Just make sure to check your policy details—sometimes, protecting against acts of nature might require a little extra premium.

What discounts or promotions are available for car insurance in the Philippines?
- Many car insurance companies offer perks for bundling policies, maintaining a clean driving record, or being a loyal customer. You might also find promotions for early renewal or no-claims bonuses for accident-free years.

So many choices! But what is the best car insurance that can provide ultimate coverage?
- Comprehensive car insurance is often considered the best car insurance because it provides extensive protection, including:

1. Damage or loss to your vehicle.
2. Liability for injuries, death, or property damage to others in an accident.
3. Coverage for injuries to your passengers.

It offers peace of mind with additional perks like easy claims and roadside assistance, ensuring you're well-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.

How long does it take to process a car insurance claim?
- The duration really varies. Typically, it ranges from 3 to 30 days, depending on how complex the case is. The clock starts ticking once we get all the needed documents from you!

Is comprehensive car insurance mandatory in the Philippines?
- Not exactly. Unlike third-party liability insurance, which is required by LTO for car registration, comprehensive car insurance is optional. But here’s the thing: opting for comprehensive insurance can give you extra peace of mind with broader protection for your vehicle -- from accidents to natural disasters, ensuring you're covered no matter what.

Can I cancel my comprehensive car insurance policy at any time?
- Yes, you can cancel your car insurance policy anytime but be sure to check the terms first. You might not get a full refund on your premium after cancellation!

What happens when I do not get comprehensive insurance for car?
- Skipping comprehensive car insurance means you're missing out on broad protection for your vehicle. Without it, you’d be on the hook for the full cost of damage from accidents, theft, and natural disasters. Plus, you won’t have coverage for injuries or damages to others in many situations. It’s like going on a road trip without a spare tire—unexpected bumps can turn into big problems!

I would like to purchase a comprehensive car insurance online. What are the payment options available to me?
- You have the option to pay via credit or with debit card, or e-Wallets like Gcash or Maya when purchasing your insurance policy online. There are also other options available for payment, such as bank transfers, Bills Payment, etc. You may get in touch with an Oona representative or your trusted Oona Agent to find out the most convenient payment option for you.

How can I find the best car insurance provider in the Philippines?
- Here's how you can find the best car insurance provider: start by comparing quotes, policy coverage, and customer reviews. You must also consider the company’s reputation, claims process, and extra perks like customer support and discounts to find the perfect fit.

Oona Insurance stands out as a top contender for comprehensive car insurance. With extensive coverage options, competitive pricing, and excellent customer service, Oona offers a comprehensive solution to meet your insurance needs. Our commitment to providing exceptional value and support makes us a strong choice for drivers seeking reliable and affordable car insurance

What is a Policy Deductible?
- The deductible is like your car insurance ‘starting line’—it’s the amount you pay before your coverage kicks in. Here’s the scoop: If your claim is less than the deductible, you’re covering the whole bill. For example, with a ₱3,000 deductible: if you face a ₱13,000 repair, you’ll pay ₱3,000 and we’ll chip in ₱10,000. But if the repair is just ₱2,900, it’s all on you since it’s below the deductible. Think of it as your financial ‘threshold’—go above it, and we’ve got your back!

How do I file a car insurance claim in the Philippines?
- To file a car insurance claim, just follow these steps: Contact your insurer right after an incident, then provide important documents like a police report, photos of the damage, and your driver’s license. Your insurance company will walk you through the process, which might include checking your vehicle and arranging repairs. It’s all about making sure you get the help you need quickly and smoothly!

Oona Insurance prides itself on offering a hassle-free claims process. Once you contact our claims department, our friendly and knowledgeable agents will guide you through every step. We understand that filing a claim can be stressful, so we strive to make the process as easy and efficient as possible.

Does Comprehensive Car Insurance Cover Acts of Nature?
- Yes, most comprehensive car insurance plans include coverage for Acts of Nature (AON), protecting your vehicle from damage caused by natural events like storms, floods, and earthquakes. If you opt for a basic car insurance, you might need to add this coverage separately. But with AON included in your car insurance plan, your car is well-protected for anything Mother Nature throws at you, be it a torrential downpour or a surprise typhoon.

Oona offers AON protection with our most comprehensive insurance plans and more extensive protection against other risks like accidents and theft. This means you can drive with confidence, knowing you're covered in a wide range of situations. Choose the right plan with Oona and enjoy peace of mind on the road.

Does comprehensive insurance cover car theft or vandalism?
- Definitely! It’s designed to protect you from these crimes and more. Just double-check with your insurer to make sure you're fully covered, as details can vary.

What is Comprehensive Car Insurance?
- Comprehensive car insurance in the Philippines offers extensive protection for you and your vehicle. Here’s what it covers:

1. Damage or loss to your car—we’ve got you covered from fender benders, to major mishaps, and even from natural disasters
2. Liability for injuries, death, or property damage to others involved in an accident
3. Injuries to you and your passengers—because safety extends beyond just the driver’s seat.

In short, it’s your ultimate protection against the unexpected mishaps on the road, keeping you covered from bumper to bumper!

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!

Is my vehicle covered while it is being transported inside and by a ship?
- Typically, this isn’t covered under standard policies. But don’t worry! With Oona Insurance, you can safeguard your ride during transit by adding coverage for a small additional premium. Your vehicle’s journey is just as important as the destination!

Are there any penalties for late payment of car insurance premiums?
- While penalties for late payments are rare in insurance, missing payments could result in your policy being canceled—so it's always best to stay on track to keep your coverage secure!

What is the difference between comprehensive and collision coverage?
- Collision coverage is your go-to for damages from accidents or crashes with other vehicles or objects. Meanwhile, comprehensive insurance protects you from both collision and non-collision issues like theft, vandalism, or natural disasters.

How much does a deductible for a car insurance cost in the Philippines?
- The cost of the deductible is usually between 0.5% to 1% of your car insurance amount, with a minimum of ₱2,000 to ₱3,000 per claim

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.

In short, CTPL provides basic protection, while VTPL adds extra peace of mind!

Does car insurance in the Philippines cover medical expenses in case of an accident?
- Many comprehensive car insurance policies include personal accident coverage, which can help with medical costs for you and your passengers. Just be sure to check your policy details to see what’s included!

Oona Insurance offers comprehensive car insurance policies that often include personal accident coverage as a standard feature. This means you can have peace of mind knowing that you and your passengers are protected in case of an accident.

By choosing Oona, you're not only getting affordable and reliable car insurance but also ensuring that you and your loved ones are covered in the event of an unforeseen incident.

I bought my vehicle second-hand, but the OR/CR is not under my name yet. Can I still get car insurance?
- Absolutely! Just submit a copy of your notarized Deed of Sale to the insurance company, and they’ll transfer the policy under your name-easy as that!

Can I insure a second-hand vehicle with comprehensive insurance in the Philippines?
- Yes, second-hand vehicles can be insured with comprehensive coverage in the Philippines. However, the cost and terms may vary based on the age, condition, and market value of the used vehicle.