Insurance Guide

FPG vs OONA Insurance Comparison Philippines

Comparing FPG and OONA insurance reveals key differences across 6 categories. FPG premiums average ₱19,000/year while OONA starts at ₱18,000/year. FPG has 83 accredited repair shops versus OONA's 161. Claims settlement speed averages 6 business days for FPG and 14 for OONA.

Annual Premium

₱13,000–₱52,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Fire and lightning damage protection

Emergency medical reimbursement up to ₱91,000

Bodily injury liability up to ₱285,000 per person

24/7 roadside assistance within 10 km radius

Excess bodily injury up to ₱321,000

Claims Process

Both FPG and OONA follow a similar 6-step claims process. FPG averages 8 business days for settlement, while OONA takes approximately 7 days. FPG requires documents within 3 days of the incident; OONA allows up to 7 days.

Pros & Cons

Advantages

Quick approval for minor claims under ₱396,000
Free annual vehicle inspection at partner service centers
Coverage extends to natural calamities common in PH
Claims processing averages 16 business days
Mobile app available for iOS and Android with claims tracking

Drawbacks

Premium increases by 30% after a claim within 12 months
No coverage for vehicles older than 17 years
Limited provincial branch coverage outside Metro Manila (13 offices)
Customer service wait times average 10 minutes during peak

Frequently Asked Questions

Is FPG vs OONA required by Philippine law?

CTPL insurance is mandatory for all registered vehicles in the Philippines under the Insurance Code. FPG vs OONA beyond CTPL is optional but highly recommended given that over 4% of Filipino car owners opt for additional protection. The Insurance Commission regulates all auto insurance products.

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

The average cost of FPG vs OONA in the Philippines ranges from ₱11,000 to ₱45,000 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 8 or more payment installment options.

What documents are needed for FPG vs OONA?

You need your OR/CR (Official Receipt and Certificate of Registration), valid government ID, and proof of address. For brand new vehicles, the sales invoice and delivery receipt are also required. The application process typically takes 17 minutes to complete online.

How do I choose the best FPG vs OONA?

Compare at least 17 providers and check their claim settlement ratio, which averages 16% across the industry. Look for providers with accredited repair shops near your area — the top insurers have 295+ partner shops. Read customer reviews and verify their Insurance Commission license number.

What is the claims ratio for FPG vs OONA?

The average claims settlement ratio for FPG vs OONA in the Philippines is approximately 11%, meaning 11 out of 100 filed claims are approved. The top 5 insurers maintain ratios above 32%. Claims are most commonly filed for own damage (3%) followed by theft (27%).

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₱10,000–₱45,000/year

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