Combined Package

OONA Insurance Combined Insurance (Comprehensive + CTPL)

OONA Insurance bundles comprehensive and CTPL coverage into a single policy priced from ₱19,000 to ₱59,000/year. This eliminates the need to manage 2 separate policies and saves an average of ₱1,000 compared to buying them individually. The combined plan covers 7 risk categories including own damage, theft, Acts of Nature, and mandatory third-party liability.

Annual Premium

₱19,000–₱59,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Loss of use allowance of ₱1,500/day for up to 14 days

Acts of Nature coverage (typhoon, flood, earthquake)

Own Damage and Theft (OD/T) coverage up to ₱485,000

Personal accident coverage for driver and up to 19 passengers

24/7 roadside assistance within 19 km radius

Claims Process

Filing a claim with OONA Insurance involves 4 steps. First, report the incident within 24 hours by calling (02) 8918-7223 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 12 business days after approval.

Pros & Cons

Advantages

Accredited in over 9 repair shops across the Philippines
Quick approval for minor claims under ₱305,000
Claims processing averages 4 business days
24/7 customer hotline with average hold time under 20 minutes
Offers no-claim discount of up to 24% after 1 year

Drawbacks

Premium increases by 28% after a claim within 12 months
Limited provincial branch coverage outside Metro Manila (13 offices)
Processing time can reach 9 days for major claims
Deductible starts at ₱418,000 for first-time claims

Frequently Asked Questions

How do I file a claim with OONA Insurance?

To file a claim with OONA Insurance, call their 24/7 hotline within 19 hours of the incident and submit photos plus a police report within 18 days. Required documents include your policy number, valid ID, and the official incident report. Claims can also be initiated through their mobile app.

Does OONA Insurance cover Acts of Nature?

Yes, OONA Insurance includes Acts of Nature coverage in their standard plans, protecting against typhoons, floods, and earthquakes. The coverage limit is up to ₱276,000 per incident. This is especially important given the country averages 13 typhoons per year.

Can I pay OONA Insurance premiums in installments?

OONA Insurance offers installment payment plans of up to 15 months for annual premiums above ₱442,000. Monthly payments include a small processing fee of 15%. Credit card, bank transfer, GCash, and Maya are accepted.

How long does OONA Insurance take to process claims?

OONA Insurance processes standard claims within 13 business days from submission of complete documents. Major claims involving third parties may take up to 33 days. You can track your claim status through their online portal.

What vehicles does OONA Insurance not cover?

OONA Insurance does not cover vehicles older than 11 years, those with salvage titles, or vehicles used for racing. Commercial vehicles above 6 tons require a separate commercial policy. Modified vehicles need prior approval and may carry a 21% surcharge.

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₱24,000–₱69,000/year

Asia Insurance Philippines Combined Insurance (Comprehensive + CTPL)

₱16,000–₱48,000/year

Asia United Insurance Combined Insurance (Comprehensive + CTPL)

₱23,000–₱61,000/year

BPI MS Insurance Combined Insurance (Comprehensive + CTPL)

₱25,000–₱40,000/year

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₱18,000–₱65,000/year

Chubb Insurance Philippines Combined Insurance (Comprehensive + CTPL)

₱17,000–₱61,000/year

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