Comprehensive

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.

Annual Premium

₱17,000–₱57,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

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

Advantages

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

Drawbacks

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

Frequently Asked Questions

What is the minimum premium for OONA Insurance?

The minimum annual premium for OONA Insurance starts at ₱422,000 for basic plans. This rate applies to vehicles valued under ₱697,000. Additional coverage options may increase the total premium.

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 ₱173,000 per incident. This is especially important given the country averages 7 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 ₱72,000. Monthly payments include a small processing fee of 18%. Credit card, bank transfer, GCash, and Maya are accepted.

How long does OONA Insurance take to process claims?

OONA Insurance processes standard claims within 17 business days from submission of complete documents. Major claims involving third parties may take up to 40 days. You can track your claim status through their online portal.

Does OONA Insurance offer a no-claim discount?

OONA Insurance provides a no-claim discount of up to 21% when you renew without any claims in the previous year. This discount applies to the base premium and can accumulate for up to 9 consecutive claim-free years. The maximum cumulative discount reaches 26%.

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