Oona Compulsory Third Party Liability

The Oona Compulsory Third Party Liability (CTPL) Insurance will protect you from financial obligations in the event of an injury or death of a third party arising from an accident involving your covered vehicle. CTPL is a requirement of the Land Transportation Office (LTO) before your vehicle can be registered.

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Eligibility

You can purchase the policy if you are:

  • An owner of a registered vehicle in the Philippines
  • A Fully Verified GCash user 
  • A Filipino citizen or foreigner who is a legal resident of the Philippines

Coverage

The Oona CTPL policy provides up to PHP200,000 in liability coverage for death or bodily injury to a third party involved in an accident with your insured vehicle. CTPL does not cover damage to your own vehicle or your own injuries; it's meant to protect third parties.

Here is the complete breakdown of the benefits of Oona CTPL Insurance:

Benefits

A. Death Indemnity

Benefit Amount
Death Indemnity (including Burial and Funeral Expenses) PHP200,000.00

B. Bodily Injuries and Fractures

Item Service Rendered Maximum
Reimbursable Fee
Hospital Rooms Maximum of 45 days per accident PHP 500.00/day
Laboratory examination fees, X-rays PHP 2,000.00
Ambulance Actual amount charged for ambulance transport, not to exceed PHP 1,500.00
Surgical Expenses Major Operation PHP 7,500.00
Medium Operation PHP 5,000.00
Minor Operation PHP 1,500.00
Anesthesiologist's Fees Major Operation PHP 2,500.00
Medium Operation PHP 2,000.00
Minor Operation PHP 500.00
Operating Room Major Operation PHP 1,500.00
Medium Operation PHP 1,000.00
Minor Operation PHP 500.00
Medical Expenses Daily visits, Practitioner or Specialist PHP 400.00/day
Total maximum per confinement
period 		PHP 5,000.00
Drugs and Medicine Actual value of drugs and medicine used, not to exceed PHP 20,000.00

C. Permanent Disablement

Loss of, or loss of use of Amount
Two limbs PHP50,000.00
Both hands, or all fingers and both thumbs PHP50,000.00
Both feet PHP50,000.00
One hand and one foot PHP50,000.00
Sight of both eyes PHP50,000.00
Injuries resulting in being permanently bedridden PHP50,000.00
Any other injury causing permanent total disablement PHP50,000.00
Arm at or above the elbow PHP20,000.00
Arm between the elbow and wrist PHP15,000.00
Hand PHP15,000.00
Four fingers and thumb of one hand PHP15,000.00
Four fingers PHP12,000.00
Leg at or above the knee PHP20,000.00
Leg below the knee PHP15,000.00
One foot PHP15,000.00
All toes of one foot PHP10,000.00
Thumb PHP8,000.00
Index finger PHP6,000.00
Sight of one eye PHP20,000.00
Hearing – both ears PHP30,000.00
Hearing – one ear PHP15,000.00

D. Other Incidental Expenses

Oona will pay all pertinent and reasonable expenses incurred in connection with the accident that are not otherwise provided for under the Schedule of Indemnities (A), (B), and (C) above, subject to a maximum amount of PHP10,000.00, provided that in no case shall the total payment exceed the overall Limit of Liability.

How much is the Premium?

The premium for Oona CTPL insurance varies depending on your vehicle type. Check the specific vehicle category your unit falls under. You can purchase multiple Oona CTPL Insurance policies for different vehicles (car, motorcycle, etc.), but you can only own one (1) CTPL insurance policy at a time per vehicle.

CTPL Premium Based on Vehicle Type (in PHP)
Private Vehicle 599.00
Motorcycle 290.00
Light & Medium Truck 660.00
Heavy Truck & Private Bus 1,250.00
PUB / Tourist Bus 1,500.00
Tourist Car 790.00
Taxi / PUJ / Mini Bus 1,150.00

How to buy Oona Compulsory Third Party Liability (CTPL) Insurance

Note: Please make sure that your account is Fully Verified before proceeding. The payment will be deducted from your GCash balance.

  1. On the GCash App, tap GInsure > Vehicle
  2. Choose Oona Compulsory Third Party Liability (CTPL) Insurance
  3. Read through the product information, such as key features, coverage, exclusions, and claims
  4. Click Buy Now to proceed with the purchase
  5. Choose the vehicle type you want to purchase for: private car or motorcycle
  6. Identify your vehicle's condition: brand new or non-brand new
  7. Provide details of your vehicle based on what appears in its Certificate of Registration
  8. Provide the requested personal details
  9. Review the Summary page to make sure that all details are correct
  10. Proceed to payment to complete your purchase

You’ll get an instant confirmation once your purchase is successful. Your Oona CTPL Insurance policy will be instantly sent straight to your registered email, ready to view or download anytime.

Your Oona CTPL Insurance coverage starts on the first day of the month corresponding to the last digit of your vehicle's plate number.

Plate Number Start Date
Ending 1 February 1
Ending 2 March 1
Ending 3 April 1
Ending 4 May 1
Ending 5 June 1
Ending 6 July 1
Ending 7 August 1
Ending 8 September 1
Ending 9 October 1
Ending 0 November 1

Claims

Filing your insurance claim with Oona is simple and convenient. You can choose to fill out the online claim form and upload all required documents, or you can contact Oona directly via phone or email for additional assistance.

Standard Claim Requirements

Make sure to prepare and submit the following documents:

  • A copy of your vehicle’s Official Receipt (OR) and Certificate of Registration (CR)
  • A copy of your driver’s license
  • A certified true copy or the original police report, including a sworn statement
  • If the insured individual is not the same as the vehicle’s registered owner: a copy of the Deed of Sale

For Third-Party Bodily Injury Claims

Additional documents required:

  • Receipts for medicines provided to the victim
  • Hospital bills and receipts
  • Birth Certificate of the victim (if the victim is a minor)

For Third-Party Death Claims

Additional documents required:

  • Death Certificate of the victim
  • Official funeral expense receipts
  • Marriage Certificate (if the victim was married)
  • Birth Certificate of the victim (if the victim was a minor or single)

Cancellation

If you no longer need CTPL insurance, you may request cancellation by notifying Oona Insurance through their customer service hotlines or email to get a refund, subject to the terms and conditions of your Oona CTPL Insurance policy.

Contact Oona

To contact Oona, please check out their available channels below.

  • Email (For Inquiries / Para sa mga katanungan): info@oona-insurance.com.ph
  • Mobile No:
    • Smart: (+63) 920 918 6242
    • Globe: (+63) 917 581 7175
  • Landline: +632-8876-4400
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