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.

Jump to:

• Eligibility
• Coverage
• Benefits
• Apply for Oona Compulsory Third Party Liability Insurance
• Claims
• Cancellation
• Contact Oona

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

Oona CTPL Insurance covers the following:

1. Death Indemnity – If the worst happens, this provides financial support to the family of a third party who tragically loses their life in an accident involving your vehicle.

2. Body Injuries and Fractures – Accidents happen, but this coverage ensures third parties get the help they need for medical treatment of injuries or fractures caused by your vehicle.

3. Permanent Disablement – If an accident leads to a third party becoming permanently disabled, this coverage steps in to provide compensation.
4. No-Fault Indemnity – It doesn’t matter who’s at fault—this coverage ensures the third party involved in the accident gets compensation, no questions asked. 
    

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. 

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 purchase

5. Choose the vehicle type you want to purchase for: Private car or motorcycle

6. Identify your vehicles condition: brand new or non-brand new

7. Provide details of your vehicle based on what appears in its Certificate of Registration

8. Provide personal details requested

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 the last digit of your vehicle's plate number.   

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)