Motorcycle Insurance

Two wheels, full protection.

Get the coverage you need for your motorcycle with Oona’s comprehensive, no-nonsense insurance plans. From daily commutes to weekend adventures, we keep you and your bike protected from accidents, theft, and more. No surprises, just solid coverage you can trust.


I'm a safe rider - why do I need motorcycle insurance?

Motorcycles are the riskiest rides
- In 2023, motorcycles led the pack with 40% of road fatalities—making them the riskiest ride on the road.1 With a notable spike in serious collisions involving trucks and cars, it’s clear: safety isn’t just an option; it’s a must.

Costly repairs can break the bank
- Motorcycle repairs can already set you back from 1,000 to 5,000. These costs can go even higher depending on the severity of damage.1 Motorcycle 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 motorcycle insurance options tailored for your unique style

Moto Lite (From ₱1,090.00)
- 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 ₱500



Moto Premier (From ₱2,245.00)
- 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 - ₱100,000
VTPL - Property Damage - ₱100,000
Deductible - Starts at ₱500


Moto Elite (From ₱3,125.00)
- 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 ₱500

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


Boost your motorcycle 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

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

Helmet Damage Protection
- Covers direct and accidental damage to your protective motorcycle helmet, ensuring your safety gear is covered on every ride

Personal Belonging Protection
- Protect your belongings from loss or damage in case of fire, collision, or theft.


Why is Oona Motorcycle 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 Motorcycle Insurance in the Philippines?
Explore our FAQ page to find all the information you need.

What is motorcycle insurance and why do I need it?
- Motorcycle insurance protects you financially in case of accidents, theft, or damages to your bike. It’s essential to cover unexpected repairs, medical expenses, or third-party liabilities. With Oona, you get comprehensive coverage that fits your needs, giving you peace of mind on the road.

How do I purchase motorcycle insurance with Oona?
- Purchasing Oona Motorcycle Insurance is quick and easy! Simply choose your plan and complete the process online in minutes. It’s fast, convenient, and you’ll be covered right away.

Does motorcycle insurance cover theft?
- Yes, theft coverage is often included in comprehensive motorcycle insurance plans. Oona offers coverage for theft, ensuring that if the unexpected happens, you’re not left without protection.

Do I need a separate policy for my passenger?
- While some motorcycle insurance policies include passenger liability, it’s always best to check your coverage. Oona’s comprehensive plans offer the option to include passenger protection, so both you and your passenger are covered in case of an accident.

How much does insurance for a motorcycle cost?
- The cost of motorcycle insurance varies based on factors like the model, usage, and type of coverage. Oona offers flexible, affordable plans, making it easy for you to get quality protection without breaking the bank.

How do I choose the right insurance for my motorcycle?
- The right motorcycle insurance depends on your usage, the value of your bike, and your budget. At Oona, we simplify the process with easy-to-understand plans, so you can select what’s best for you—whether you need basic liability or full protection.

Can I upgrade my motorcycle insurance policy later?
- Yes, most insurance providers, including Oona, allow you to upgrade your policy at any time. Whether you want to add more coverage or increase your protection, Oona makes it easy to enhance your policy to fit your evolving needs.

Does motorcycle insurance cover the helmet?
- Helmet is not covered in most motorcycle insurance, but unlike most insurers, Oona is extending coverage for helmets.

Can I get a discount for insuring multiple motorcycles?
- Many insurers, including Oona, offer multi-vehicle discounts. If you have more than one motorcycle, you can save by bundling your policies with Oona. Our team will help you find the best deal.

What does a typical motorcycle insurance policy cover?
- Most motorcycle insurance policies cover damages from accidents, theft, fire, and even third-party liabilities. At Oona, we offer customizable plans, so you only pay for the coverage you actually need, from basic protection to all-inclusive packages.

What should I do if I sell my motorcycle?
- If you sell your motorcycle, you can either transfer the insurance to the new owner or cancel the policy. Oona’s customer service team is happy to assist with either process, ensuring a smooth transition.

What is Third-Party Liability (TPL) insurance?
- TPL insurance covers damages you may cause to other people while riding your motorcycle. It’s a basic legal requirement. With Oona’s CTPL insurance starting at ₱290, you can meet legal obligations affordably and easily.

Can I cancel my motorcycle insurance policy?
- Yes, most insurers allow policy cancellations, though terms vary. Oona provides clear guidelines on cancellations and any potential refunds, making it easy to manage your policy if your situation changes.

Does motorcycle insurance cover Acts of Nature?
- Yes, certain plans for comprehensive insurance for motorcycles offer coverage for Acts of Nature, such as floods or typhoons. Oona’s comprehensive plans include this option, ensuring your bike is protected no matter what nature throws your way.

What should I do in case of an accident?
- In case of an accident, prioritize safety, notify the authorities, and take photos if possible. Then, contact Oona’s customer service for quick claims assistance. Our hassle-free claims process ensures that you get back on the road with minimal delay.