What to Know About Oona Car Insurance Before You Get a Policy

Although not the most fun part of owning a car, purchasing a car insurance policy is one of the most crucial. Aside from protecting you from financial disasters that may arise from accidents or injuries, it gives you peace of mind that someone will come to your aid if something unexpected happens on the road. 

If you’re looking for an insurer with excellent features and benefits, check out this quick review of Oona Insurance Philippines’ car insurance. 

What is Oona Car Insurance?

Oona car insurance is a coverage option offered by Oona Insular Insurance Corporation (or Oona Insurance Philippines).

You may also know it as MAPFRE Insular Insurance Corporation, which was its name before the company officially rebranded to Oona Insurance on April 1, 2023.^[1] With its rebranding, the company aims to build on the success of MAPFRE Insurance, one of the country's top general insurance companies. 

Oona was set up in Southeast Asia with a US$350 million equity commitment. It is wholly owned by Oona Philippines Holdings Corporation (OPHC), an indirect subsidiary of Oona Holdings Pte. Ltd., incorporated in Singapore and 100% backed by Warburg Pincus LLC, a leading global growth investor.^[2] 

Aside from Compulsory Third Party Liability and comprehensive motor insurance, Oona Insurance Philippines also provides property and personal accident insurance. 

Oona Car Insurance Benefits 

With a partner network of over 1,000 and a 99% claims settlement rate, you know you’re transacting with a trustworthy insurance company with industry expertise and competitive products. Here are the benefits to expect if you get a car insurance policy from Oona: 

✔️ Complete Car Insurance Protection 

Oona car insurance comes with basic protection and more. Aside from own damage, theft, and fire cover, it offers ₱200,000 excess liability insurance coverage for bodily injury and property damage, plus unnamed passenger personal accident coverage of up to ₱50,000 per vehicle. The coverage includes Acts of Nature as well. 

Its supplementary coverage includes road assistance, personal property, security glass etching, increased towing expense, and cost of bail bond with a maximum coverage of ₱10,000. 

Here are Oona car insurance packages you can choose from depending on your needs and budget: 

• CTPL - Required by law; protects from liabilities arising from bodily injury or death of third parties 
• 6 Wheels - A motorcycle and motor car insurance package for private cars and motorcycles against loss, damage, and legal liabilities 
• You Choose - Protection based on your chosen coverage 
• Auto Select - A more affordable comprehensive car insurance package with lower premiums and waived deductible on the first claim (reduced deductible on succeeding claims)
• Auto Liability - Extra liability coverage on top of the CTPL or liability coverage for vehicles older than eight years 
• Auto Comprehensive -  A comprehensive car insurance plan with all basic coverage needs 
• Auto Comprehensive Plus - A comprehensive car insurance plan with Acts of Nature coverage 

You may feel the need to go with the most comprehensive insurance package for the best protection. But aside from being expensive, you may find that some inclusions seem unnecessary. If you want to personalize your coverage according to your needs, get a particular optional and supplementary coverage. 

Read more: List of Car Insurance Add-Ons: What Coverage Do You Need?

✔️ 24-Hour Roadside Assistance

No one wants to experience a vehicle breakdown or meet an accident on the road. But when the unexpected happens, roadside assistance is a lifesaver. 

With Oona car insurance coverage, you can get immediate help like vehicle towing or removal, fuel delivery, battery boosting or jumpstarting, and tire replacement. It also offers locksmith services, misfuelling cover, key protection cover, and spare key delivery.  

It offers assistance such as accident coordination and transport or repatriation when the insured vehicle figures in an accident. Oona can also help with ambulance coordination, medicine delivery, alternative driver, hospital admission, and legal assistance arrangements. 

Just call Oona’s 24/7 roadside assistance hotline at (02) 8459-4727 or via mobile at +639209186242 or +639175817175.

✔️ Roadside Assistance Plus 

With Oona comprehensive car insurance coverage, enjoy up to 5% discount on auto parts and up to 10% on service and repairs at Oona Insurance partner shops, which include D Plus R Fast Auto Repair Shop in Paranaque, Centennial Auto Services in Makati, and Drench in Silang, Cavite. 

With Roadside Assitance Plus, Oona clients also get a 10% discount on Urban Ashram Yoga’s 30-day all-access pass to yoga, barre, Pilates, and kids yoga. Use the promo code IBERO10 when booking an online class. If attending a studio class, simply present proof you’re entitled to the promo.  

✔️ Convenient Claims Process

Need to make a claim? The process is quick and easy. Just call the Claims Assistance Hotline or complete the online claims form. Oona’s adjusters from its in-house Client Service Center will immediately take care of your claim.  

✔️ Wide Range of Customer Support Options

Need to clarify something about your car insurance policy? Not sure what to do when filing a claim? 

Oona’s wide range of customer support options will help you with your needs. For starters, you can use Yoona, the Generative-AI-powered customer service chat on its website.

You also can reach Oona Client Services via: 

• Landline: (+632) 8876 4400
• Mobile: +639209186242 or +639175817175

For motor and accident claims, email fnolclaims@oona-insurance.com.ph. Meanwhile, send your non-motor claims inquiries to pcm_claims@oona-insurance.com.ph. 

Alternatively, you can visit any Oona branch during office hours. Check the branch locator for your preferred branch’s operating hours and contact information. 

How Much Is Oona Car Insurance?

Your Oona car insurance premium will depend on the age of your car, the make and model, and whether it will be for private or commercial use. 

Request a quotation for free by clicking Get a Quote on the Oona website and filling out the online form. 

For convenience, you can also get a quote directly via Moneymax. Just click the button to get started:

How to Pay Oona Car Insurance Premiums

Pay your insurance premium online via the Oona E-Payment Portal^[3] and digital payment partners, like UnionBank, BPI, Security Bank, GCash, and Maya, just to name a few. 

Input the Payment Reference Number (you can find this on your statement of account) and the amount to be paid, then confirm the transaction. Afterward, you will receive a copy of the official receipt in your registered email address. 

How to Make an Oona Car Insurance Claim

As mentioned, Oona Insurance Philippines offers a hassle-free claims process. Simply follow the steps below:

1. Call the 24/7 Oona claims assistance numbers at (02) 88764400, 09209186242, or 09175817175. 
2. Confirm the policy information and provide the relevant details. 
3. An inspection of the vehicle will be scheduled. Select your preferred repair shop, after which you will be given your claim number. 
4. Submit your documents through UpDocS. 
5. Wait for the issuance of the Letter of Authority (LOA). You can then schedule your vehicle repair at an Oona-accredited shop.

Read more: Find the Coverage You Need: Top Car Insurance Companies

Alternative Car Insurance Providers to Consider 

Want to discover other car insurance options? Consider these: 

📌 Malayan Car Insurance

• 3 years of casa eligibility
• 58 casa repair shops
• Transportation reimbursement coverage 

📌 Prudential Car Insurance

• Value-added services such as overnight accommodation and free alternative transport
• Free towing, vehicle retrieval, breakdown service, and more
• 10 years of casa eligibility

📌 Mercantile Car Insurance

• Personalized services for retail and corporate accounts
• 77 casa repair shops
• 10 years of casa eligibility

📌 Stronghold Car Insurance

• 10 years of casa eligibility
• 167 accredited repair shops
• 2 waived deductibles

📌 SGI Car Insurance 

• Customer support in over 3,000 branches worldwide
• Coverage for commercial and motorcycle vehicles
• 5 years of casa eligibility
• 134 accredited repair shops

Related reading: How to Change Car Insurance Companies: A Step-by-Step Guide

Oona Insurance Philippines Review: Final Thoughts 

Oona Insurance Philippines offers several car insurance packages, ranging from the most basic to the most comprehensive. Choose from affordable and flexible options for a tailor-made car insurance plan. 

Oona Insurance Philippines’ industry expertise, customer insights, and technological capabilities make it one of the best car insurance providers. The claims process is also quick and easy as long as you submit all the correct documents. 

🚗 Compare Car Insurance Providers via Moneymax

If you want to compare Oona vs other car insurance companies, you can do so via Moneymax. Get a free quote below:

Car Insurance Company	Maximum Total Sum Insured	CTPL Coverage	Own Damage & Theft Coverage	Acts of Nature Coverage	Death / Disablement Coverage
FPG Insurance	₱4 million	✔️	✔️	✔️
Malayan Insurance	₱7.5 million	✔️	✔️	✔️
The Mercantile Insurance Corporation	₱5 million		✔️	✔️
OONA Insurance (formerly MAPFRE)	₱5 million	✔️	✔️	✔️	✔️
PGA Insurance	₱3 million				✔️
SGI Philippines	₱5 million	✔️		✔️	✔️
Standard Insurance	₱5 million	✔️	✔️	✔️	✔️
Stronghold Insurance	₱3 million		✔️

 

Sources: 

• ^[1] MAPFRE Insurance now officially Oona Insurance (Insular Life, February 2023) 
• ^[2] About Oona Insurance Philippines
• ^[3] Oona E-Payment Portal