OONA Insurance Comprehensive Car Insurance
OONA Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱17,000/year. With over 71 accredited repair shops and 26 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 15 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱3 million.
Quick Facts
Coverage Type
Comprehensive
Premium Range
₱17,000–₱57,000/year
Coverage Details
- Personal accident coverage for driver and up to 19 passengers
- Fire and lightning damage protection
- Glass breakage and windshield repair coverage
- Authorized repair shops across 7 locations nationwide
Claims Process
Filing a claim with OONA Insurance involves 6 steps. First, report the incident within 24 hours by calling (02) 8934-9624 or through the mobile app. Submit the required documents — police report, photos, and your policy details — within 5 business days. A claims adjuster will inspect the vehicle within 3 business days of document submission. Standard claims are settled within 15 business days after approval.
Pros & Cons
Pros
- Claims processing averages 3 business days
- Quick approval for minor claims under ₱129,000
- Policy issuance within 7 hours for standard applications
- Accepts installment payments up to 14 months interest-free
- Coverage extends to natural calamities common in PH
Cons
- Depreciation rate of 14% per year on vehicle valuation
- Online portal lacks some features available in-app only
- Excess coverage requires separate add-on costing ₱273,000/year
- Premium increases by 21% after a claim within 12 months