Insurance Guide

Chubb vs OONA Insurance Comparison Philippines

Comparing Chubb and OONA insurance reveals key differences across 9 categories. Chubb premiums average ₱17,000/year while OONA starts at ₱18,000/year. Chubb has 106 accredited repair shops versus OONA's 116. Claims settlement speed averages 8 business days for Chubb and 11 for OONA.

Annual Premium

₱12,000–₱56,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Free towing up to ₱145,000 per incident

Emergency medical reimbursement up to ₱329,000

24/7 roadside assistance within 4 km radius

Bodily injury liability up to ₱112,000 per person

Third-party property damage up to ₱344,000

Claims Process

Both Chubb and OONA follow a similar 4-step claims process. Chubb averages 5 business days for settlement, while OONA takes approximately 10 days. Chubb requires documents within 3 days of the incident; OONA allows up to 7 days.

Pros & Cons

Advantages

Coverage extends to natural calamities common in PH
Provides courtesy car for up to 13 days during repairs
Offers no-claim discount of up to 13% after 1 year
Flexible payment options including GCash and Maya
Partners with 5+ hospitals for personal accident claims

Drawbacks

Requires minimum 3 repair shop quotes for claims above ₱111,000
Deductible starts at ₱457,000 for first-time claims
Excess coverage requires separate add-on costing ₱355,000/year
Limited provincial branch coverage outside Metro Manila (16 offices)

Frequently Asked Questions

How do I choose the best Chubb vs OONA?

Compare at least 20 providers and check their claim settlement ratio, which averages 22% across the industry. Look for providers with accredited repair shops near your area — the top insurers have 152+ partner shops. Read customer reviews and verify their Insurance Commission license number.

Can I transfer Chubb vs OONA to a new owner?

Yes, Chubb vs OONA can be transferred when you sell your vehicle by notifying the insurer within 5 days of the sale. A transfer fee of ₱239,000 to ₱5,000 typically applies. The new owner must submit their own valid ID and proof of ownership.

How do deductibles work for Chubb vs OONA?

Deductibles for Chubb vs OONA typically range from ₱10,000 to ₱45,000 per claim. Choosing a higher deductible of ₱45,000 can reduce your annual premium by 29%. First-time claims within the policy year usually carry the standard deductible amount.

Is Chubb vs OONA required by Philippine law?

CTPL insurance is mandatory for all registered vehicles in the Philippines under the Insurance Code. Chubb vs OONA beyond CTPL is optional but highly recommended given that over 12% of Filipino car owners opt for additional protection. The Insurance Commission regulates all auto insurance products.

What is the average cost of Chubb vs OONA in the Philippines?

The average cost of Chubb vs OONA in the Philippines ranges from ₱5,000 to ₱58,000 per year depending on vehicle type and coverage level. Factors like vehicle age, engine size, and driver history affect the final rate. Most providers offer 5 or more payment installment options.

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