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Oona Car Insurance

Oona Insurance Corporation

Aditya Aman, author and expressway expert based in Manila, PhilippinesBy Published Oct 3, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.

Oona, MAPFRE Insular until 1 April 2023, sells Oona Car Insurance (official source) online in three plans: Auto Lite from ₱4,500, Auto Premier from ₱9,800 and Auto Elite from ₱11,100 (October 2026 prices). Its claim page (official source) settles claims up to ₱50,000 in 1 to 3 working days once papers are complete, with repairs at Oona Ka accredited shops unless you add Repair Anywhere Advantage. Acts of nature may need adding on a basic plan.

Call (02) 8876-4400Get an online quoteOfficial site

MAPFRE Insular became Oona on 1 April 2023 (Oona announcement (official source)). Oona Insurance Corporation holds Certificate of Authority 2025/70-R, on the IC list of licensed insurers as of 31 August 2026 (official source).

What Oona Insurance sells

Oona Car Insurance

  • Own damage: collision, overturning, fire, lightning, explosion, self-ignition, malicious acts
  • Theft and burglary
  • Excess bodily injury and third-party property damage
  • Unnamed passenger accident cover
  • Road Assist
  • Plans: Auto Lite from ₱4,500, Auto Premier from ₱9,800, Auto Elite from ₱11,100 (October 2026)
  • Add-ons: Personal Belonging Protection, Alternate Transport, Repair Anywhere Advantage

CTPL

  • Third-party death and bodily injury, up to ₱200,000 per IC Memorandum Circular 2024-01
  • Online, LTO-accredited: ₱599 for a private car, ₱290 for a motorcycle, taxes and fees included (October 2026 prices)

Auto Liability

  • Excess liability on top of CTPL, also for cars over 8 years old
  • ₱200,000 combined for bodily injury and property damage; passenger accident cover up to ₱50,000 each

Buy through: Online quote and payment on myoona.ph, policy by email.

Oona Insurance coverage at a glance

Own damage and theft
Included
Excess bodily injury
Included. ₱200,000 in the 2023 Oona car brochure (official source).
Third-party property damage
Included. ₱200,000 in the 2023 brochure.
Auto personal accident
Included. Unnamed passengers, up to ₱50,000 each.
Acts of nature
Optional. On a basic plan it may need to be added (Oona car insurance FAQ (official source), October 2026); the top tier of the 2023 brochure includes it.
Riot, strike and civil commotion
Optional. Optional on the base tier, included on the Plus tier (2023 brochure).
Roadside assistance
Included. Road Assist (official source): towing up to ₱8,000, crane removal up to ₱10,000, hotel up to ₱3,000 a night for 2 nights. Three non-accident calls a year; accident calls unlimited. Hotline (02) 8459-4727.
Loss of use
Optional. Alternate Transport add-on: up to 3 days of replacement ride or travel allowance while a towed car is in the shop (car insurance page, October 2026).

Compare every insurer.

How to file an Oona Insurance claim

  1. Before you call, have these ready

    Your policy, the CR and OR, the driver's licence and OR, and a police report, affidavit or Oona's incident report form.

  2. Call the claims line

    Ring (02) 8876-4400 at any hour, or use the online report form on Oona's make a claim page (official source). Confirm your policy, describe the loss, book the inspection, choose a repair shop and note your claim number.

  3. Upload the documents

    Send them through Oona's UpDocS upload.

    • Police report, affidavit or incident report form
    • CR and OR
    • Driver's licence and OR
  4. Get the Letter of Authority

    For repairs under ₱50,000, the LOA can be issued on site at the inspection.

  5. What a settled claim looks like

    The Letter of Authority, authorisation letter and release of claim arrive by email, and the repair is done at an Oona accredited shop. Oona's claim page gives 1 to 3 working days up to ₱50,000, 7 to 10 above that, and at least 15 for a total loss. The Insurance Code, Sec. 249 (official source) caps payment at 30 days after proof of loss and agreement on the amount. If a claim is denied, the IC standard Private Car Policy (official source) gives one year from the denial to sue, after mediation.

Documents to have ready

6 of 6 still to gather

Before you buy

  • Ask whether acts of nature (flood, typhoon, earthquake) and riot, strike and civil commotion are in your quote. The IC standard Private Car Policy (official source) excludes them unless added as an optional cover.
  • Ask for the participation (deductible) in writing. Unless the insurer states its own figure, the IC motor tariff (official source) sets the higher of ₱2,000 or 0.5% of the sum insured.
  • Parts are depreciated on own-damage claims once the car is over 3 years old, from 20% up to 40% by age, under the standard policy (official source). A total loss is settled differently.
  • Tell the insurer as soon as possible after an accident, with full details, and keep every claim document. For carnapping, the policy (official source) also asks for immediate notice to the police.
  • If the car is financed, name the bank as mortgagee: how to insure a financed vehicle.
  • Your policy schedule and wording decide what is paid. For a dispute the insurer cannot settle, the Insurance Commission's public assistance desk takes complaints: how to file a claim.

Oona Insurance contact

Claims hotline
(02) 8876-4400
Phone
(02) 8459-4727 (Road Assist)
Email
fnolclaims@oona-insurance.com.ph
Address
1220 Acacia Ave., Madrigal Business Park, Ayala Alabang, Muntinlupa City 1770
Repair shops
Accredited repair shops

About Oona Insurance

Group
Oona Group
Insurer's stated claims time
1 to 3 working days up to ₱50,000; 7 to 10 above; at least 15 for a total loss, from complete requirements (Oona claim page (official source))

Oona Insurance questions

Is Oona Insurance the same as MAPFRE Insular?

Yes. MAPFRE Insular Insurance Corporation became Oona Insular on 1 April 2023, and policies issued under MAPFRE Insular are still honoured.

The Insurance Commission now lists it as Oona Insurance Corporation, Certificate of Authority 2025/70-R, on its list of 31 August 2026 (official source).

Does Oona really settle claims in 1 to 3 days?

Oona settles claims of ₱50,000 or less in 1 to 3 working days after complete requirements. Claims above ₱50,000 take 7 to 10 working days, and a total loss at least 15.

Repairs under ₱50,000 can get the Letter of Authority on site.

Where are Oona's accredited repair shops?

Oona's accredited network is called Oona Ka, and the latest workshop list is dated November 2023.

Choose the Repair Anywhere Advantage add-on if your preferred shop is not in Oona Ka; otherwise the standard plan sends the car to an accredited shop.

How much is Oona car insurance?

Oona's plans start at ₱4,500 for Auto Lite, ₱9,800 for Auto Premier and ₱11,100 for Auto Elite (October 2026 prices). Oona's own guide puts a ₱500,000 to ₱800,000 sedan at about ₱12,000 to ₱20,000.

Test your car's value in the premium calculator.

Oona vs Standard Insurance: how do they differ?

Oona sells and prices online, with a 24/7 claims line and Road Assist towing up to ₱8,000. Standard Insurance caps towing at ₱5,500 and adds a ₱500 daily loss-of-use allowance in its brochure.

Standard ranked 6th by 2025 gross premiums (all non-life lines, unaudited).

How much is Oona CTPL?

₱599 online for a private car, taxes and fees included (October 2026). The Insurance Commission tariff for the same cover is ₱560; what CTPL pays is in the CTPL guide.

What if I skip acts of nature on a basic Oona plan?

Flood, typhoon and earthquake damage is then not covered. Oona's car insurance FAQ (official source) says acts of nature may need to be added on basic plans, and the IC standard Private Car Policy (official source) excludes it unless added.

Ask for it in the quote if you park in a flood-prone street: acts of nature cover explained.

Sources

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