Reviewing Oona Car Insurance: Benefits, key features, cost and more

Car insurance is a must for every car owner in the Philippines. It plays a pivotal role in ensuring safety and providing financial stability to the driver and offers peace of mind while navigating unpredictable roads. It therefore becomes essential to find a provider offering tailored solutions, excellent customer service, and a smooth claim process.

A few well-known names in the Philippines car insurance arena are -

• Malayan Insurance
• FPG Insurance
• Bpi/Ms Insurance Corporation
• PIONEER
• Standard Insurance
• SGI Insurance
• Oona Insurance and more

We have already reviewed SGI car insurance and now it is time to find out all about the Oona Car Insurance. Here we’ll be discussing Oona’s brief history, key features, cost, add-on coverages, benefits, claim process, customer service, and more.

Also Read: No car insurance? Here’s what all wrong can happen in the Philippines

So, without any delay let’s dive deep into the world of Oona Car insurance.

A little background check

It was in early 2023 when MAPFRE Philippines re-branded itself to Oona Insurance. It was a transformation towards building a more customer-centric and technologically sound insurance provider.

Building on MAPFRE’s 80-year-old legacy, Oona brings together old-world charm and traditional reliability along with cutting-edge innovations in the field. Thus, making it one of the top non-life insurance providers in the country offering insurance coverage specifically designed for Filipino drivers looking for affordable, convenient, and tailored policy options.
Key features

Some of the key features of the Oona Car Insurance policy are -

• Customizable coverage options
• 24/7 roadside assistance
• Seamless claim process
• Legal assistance
• Discounts
• Customer-centric digital services

Let us discuss each of these features in detail -

Customizable coverage options	Oona’s range of insurance policies caters to diverse customer needs: Basic CTPL (Compulsory Third-Party Liability): Provides legal compliance and third-party injury or death coverage. Loss and Damage Protection: Covers accidents, fire, theft, and malicious acts. Acts of Nature Coverage: Included in premium plans, this protects vehicles from floods, earthquakes, and other natural disasters. Passenger Personal Accident Insurance: Ensures undeclared passengers are covered in accidents.
24/7 Roadside assistance	A major highlight of Oona’s car insurance is its 24/7 roadside assistance. Policyholders can access services such as: Towing (up to PHP 8,000) Flat tire replacement Fuel delivery Battery jumpstarting Locksmith services: This robust service ensures drivers are never stranded, whether in busy urban areas or remote highways.
Seamless claim process	Oona’s claims process is known for its efficiency: Contact the hotline or file a claim online. Provide necessary documents (e.g., police reports, repair estimates). Receive a Letter of Authority (LOA) for vehicle repair. This hassle-free system minimizes delays and ensures quick resolutions.
Legal assistance	Free legal assistance is included in Oona’s comprehensive plans, making it easier for policyholders to navigate disputes or claims related to third parties.
Discounts	Oona clients enjoy exclusive discounts at partner repair shops and service centers, offering savings without compromising on quality.
Customer-centric digital services	Oona uses AI-driven customer service tools like "Yoona," a chatbot available on their website, ensuring quick responses to queries and assistance anytime.

Also Read: Here’s how to easily obtain car insurance quotes online

Oona Car Insurance coverage options

CTPL Coverage

CTPL (Compulsory Third-Party Liability) insurance is a legal requirement for vehicle registration in the Philippines. Oona’s CTPL plan provides basic protection for third-party injuries or death.

Comprehensive plans

Oona’s comprehensive packages extend beyond basic coverage:

• Auto Liability Plan: Covers excess liabilities for third-party property damage or injuries.
• Auto Comprehensive Plus: Includes extensive protection against accidents, theft, malicious acts, and natural disasters. It also offers perks like accident coordination, repatriation, and ambulance services

Add-on coverages

One of the key benefits of opting for Oona Car Insurance is the flexibility it offers to its customers via add-on options. Thus allowing applicants to customize their policies as per their requirements. Some of the add-on coverages offered include -

• Medical assistance: Covers ambulance coordination, medication dispatch, and hospital admission arrangements.
• Key protection cover: Reimbursement for lost or damaged keys.
• Alternative driver service: Dispatch of a driver if the policyholder is unfit to drive.
• Misfuelling protection: Covers costs of draining and cleaning fuel tanks after misfuelling.

Note, that all these coverage options ensure protection against a wide range of potential accidents, thus offering complete peace of mind for the policyholder.

Also Read: 8 Must-ask questions before buying car insurance

Oona Car Insurance cost & payment

Like most car insurance providers, the cost of Oona insurance coverage also depends on the vehicle’s age, type, and intended use (private or commercial). Below are indicative annual premiums for some popular car models:

Toyota Wigo	PHP 11,638
Hyundai Accent	PHP 13,770
Honda City	PHP 15,298
Mitsubishi Mirage G4	PHP 24,833
Toyota Vios	PHP 25,409

Note, that premium is customizable based on added coverage options, which makes Oona accessible for customers with different budgets.

Payment options

Oona allows policyholders to pay premiums via their e-payment portal or through popular payment platforms like GCash, Maya, UnionBank, and BPI. This digital-first approach eliminates the hassle of physical transactions.

Oona Car Insurance claim process

The car insurance claim process is often a bit complicated, however, it is a bit different when it comes to Oona Car Insurance. Here’s all an applicant needs to do to process his/her claim here -

Report the incident

First thing first. Start by reporting the incident to the policyholder. This can be done by calling Oona’s 24/7 hotline, where one can report accidents or file claims online for added convenience.

Provide required documents

This includes a police report, repair estimates, and photos of the damage.

Vehicle inspection

Next, a representative from Oona will arrive to inspect the vehicle, assess damages, and process the claim.

Authorization for repair

Once the claim is processed and approved, a Letter of Authority is issued, enabling repairs at Oona’s accredited workshops.

Here we’d like to give special mention to the company’s "Auto Rapido" service which is known to accelerate the entire claim process. It is known to resolve several claims in a day which is undoubtedly a significant advantage over competitors.

Oona Car Insurance digital support

When MAPFRE Philippines was rebranded to Oona Car Insurance, one of the latest distinguishing factors was the inclusion of modern tech. It offers some very useful and efficient tools like -

• Yoona chatbot: It is an AI-powered customer service for real-time assistance.
• Online portals: This one assists in claims, payments, and policy management.
• Mobile accessibility: This feature offers unparalleled convenience to the applicants, by enabling them to manage policies on the go.

Thanks to its technology-driven approach, Oona caters very well to tech-savvy customers and ensures a seamless interaction.

Oona’s roadside assistance

There needs to be a special mention of Oona’s roadside assistance service as it is a lifesaver in case of emergencies. Some of its key services include -

• Accident coordination: Arranges towing and assists with police documentation.
• Travel assistance: Covers hotel expenses if repairs take longer than 24 hours.
• Medication and ambulance services: Provides immediate medical aid when needed.
  These services ensure safety and convenience for drivers and passengers alike.

Customer reviews

When reviewing a service or service provider, it is essential to see what the general public is saying about them. As there is no one better than a past/current customer to get unbiased information about a product. So, after going through a bunch of Oona’s customer reviews, here are its most talked about attributes -

• Quick claim process: Customers report fast approvals and minimal paperwork.
• Responsive customer support: Its 24/7 hotline and AI-powered tools receive high marks for efficiency.
• Comprehensive converge: Many drivers appreciate the inclusivity of features like Acts of Nature and passenger protection.

Future plans

Like many in the field, Oona too aims to lead the Philippines insurance market and it envisions to do so by -

• Expanding digital capabilities.
• Introducing eco-friendly insurance products.
• Strengthening partnerships with repair shops and service providers.

These initiatives reflect Oona’s commitment to long-term customer satisfaction and environmental responsibility.

Comparison

Whenever a car owner is out there to select an insurance provider, it is always advisable to compare a few options and then opt for the one that best suits your requirements. Here’s how Oona holds its ground against some of the most popular insurance providers in the Philippines.

Malayan Insurance

Offers extended "casa" (dealership) repair eligibility for up to 10 years but lacks the same level of customer-centric digital tools.

Standard Insurance

Known for extensive roadside assistance, Oona’s pricing is often more competitive.

FPG Insurance

Provides similar roadside benefits but at higher premiums.

In contrast, Oona’s balanced approach to affordability, service quality, and innovation gives it a competitive edge

Bottom line

Oona Car Insurance combines affordability, flexibility, and comprehensive coverage, making it an excellent choice for drivers in the Philippines. Whether you’re looking for basic CTPL coverage or a fully customized plan, it adapts to customers' needs while maintaining top-notch service standards. Not to forget the seamless claims processing and 24/7 roadside assistance which delivers value at every step.

Also Read: Renewing car insurance in the Philippines: A practical guide