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Motorcycle/Car Comprehensive Car

Total protection, complete peace every drive

Comprehensive Car Insurance protects motorists against more than just liabilities—it covers damage to your own vehicle, loss from theft, fire, natural disasters, and accidents.

This coverage ensures peace of mind, knowing that both you and your car are safeguarded against unexpected costs and risks on the road.

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Overview

Smart coverage for every journey

Comprehensive Car Insurance is an optional but highly recommended policy that goes beyond the mandatory CTPL. It ensures peace of mind by protecting your own vehicle, passengers, and finances against unexpected events.

Cover Summary

Comprehensive Car Insurance protects motorists against a wide range of risks beyond CTPL, offering financial security for both own vehicle and third-party liabilities.

Own Damage

Covers repair or replacement costs if your car is damaged due to collision, fire, lightning, or other accidents.

Theft Protection

Provides compensation if your car is stolen or damaged due to burglary or carnapping.

Acts of Nature (AON)

Safeguards against natural disasters such as floods, typhoons, earthquakes, volcanic eruptions, and other calamities common in the Philippines.

Third-Party Liability (Bodily Injury & Property Damage)

Pays for medical costs or property repairs if you accidentally injure someone or damage their property.

Personal Accident Coverage

Extends protection to the driver and passengers, covering medical expenses, injuries, or death resulting from accidents.

Glass Breakage & Windshield Repair

Covers replacement or repair of broken vehicle glass.

Roadside Assistance

24/7 support for towing, flat tires, jump-starts, or breakdowns nationwide.

Loss of Use Allowance

Provides daily transport allowance or courtesy car while your vehicle is under repair.

Riots, Strikes, Civil Commotion

Covers damages caused during protests or civil unrest.

Exclusions

Does not cover vehicles used for racing, commercial heavy trucks without separate policies, or cars beyond certain age limits (usually 8–10 years).

Why Comprehensive Coverage Matters?

Premiums typically range from ₱13,000–₱57,000/year, depending on vehicle value and coverage options.

Coverage applies to vehicles valued up to ₱6 million.

Accredited repair shops nationwide with direct billing, minimizing out-of-pocket expenses.

Flexible payment options (installments via credit card, bank transfer, GCash, Maya).

Quick claims process: standard claims settled within 6–15 business days.

No-claim discounts of up to 15–21% for claim-free renewals.

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Secure your journeys today—get a personalized Comprehensive Car Insurance with fast processing and dedicated support you can rely on.

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Frequently Asked Questions About Comprehensive Car Insurance

Got questions about Comprehensive Car Insurance? Find quick answers here.

What does Comprehensive Car Insurance cover?

It covers own damage, theft, third-party liability, acts of nature, personal accident, roadside assistance, and more — offering full protection compared to CTPL.

Is Comprehensive Insurance required by law?

No, only CTPL is mandatory. Comprehensive insurance is optional but strongly advised for financial protection.

How much does it cost?

Annual premiums range from ₱13,000 to ₱57,000, depending on vehicle type, age, and insured value. Rates are usually 2.5%–4% of the car’s fair market value.

How do I file a claim?

Report the incident within 24 hours via hotline or mobile app, submit police reports and photos within 5 business days, and a claims adjuster will inspect within 3 days. Standard claims are processed within 6–18 business days.

Does it cover natural disasters?

Yes, Acts of Nature coverage protects against floods, typhoons, and earthquakes — critical in the Philippines.

Can I pay in installments?

Yes, most insurers allow installment plans of up to 10–15 months with minimal processing fees.

Are there discounts?

Yes, insurers offer no-claim discounts (up to 21%) for renewals without claims in the previous year.

Overview

Premiums typically range from ₱13,000–₱57,000/year, depending on vehicle value and coverage options.

Coverage applies to vehicles valued up to ₱6 million.

Accredited repair shops nationwide with direct billing, minimizing out-of-pocket expenses.

Flexible payment options (installments via credit card, bank transfer, GCash, Maya).

Quick claims process: standard claims settled within 6–15 business days.

No-claim discounts of up to 15–21% for claim-free renewals.

Why Choose Us?

Blogs and News

Overview

Premiums typically range from ₱13,000–₱57,000/year, depending on vehicle value and coverage options.

Coverage applies to vehicles valued up to ₱6 million.

Accredited repair shops nationwide with direct billing, minimizing out-of-pocket expenses.

Flexible payment options (installments via credit card, bank transfer, GCash, Maya).

Quick claims process: standard claims settled within 6–15 business days.

No-claim discounts of up to 15–21% for claim-free renewals.

Why Choose Us?

Blogs and News

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