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Getting a car insurance can be confusing, especially for first-time vehicle owners. With more than 60 car insurance providers in the Philippines, finding the right insurer is definitely a challenge. However, never settle for less. Buying an “okay” car insurance can be a pain so be wise and understand your policy from start to end. To land a more beneficial insurance deal, take the time to understand the car insurance market. Read more.

Getting a comprehensive car insurance can be challenging, especially for first-time vehicle owners. However, it doesn’t always have to be that way. By comparing insurers, you can get a policy that does not only suit your vehicle but your lifestyle and budget as well. Don’t let the process baffle you. Read our guide to getting a comprehensive car insurance policy.

You have been spending a lot of money to pay your car insurance premiums, so naturally, you will want to make a claim when your vehicle gets involved in an accident. Filing a car insurance claim in the Philippines ensures that you will receive assistance and compensation for the loss of your car or the damage it has sustained following an accident. This way, you can save money and have the peace of mind knowing that everything will be taken care of without causing you any financial burden. To learn how to file a car insurance claim, click here.

Comprehensive car insurance offers a higher level of protection for your vehicle as compared to the government-required Compulsory Third Party Liability (CTPL) insurance.  This type of car insurance allows you to choose and customize your insurance coverage. Below are the coverage you can get with a comprehensive car insurance:
  • Bodily Injury Liability - part of an insurance policy that pays for the costs associated with injuries of a third-party victim.
  • Property Damage - provides compensation for damages to the car, property, or any third party as a result of an accident.
  • Acts of Nature - covers your vehicle from the effects of natural events such as fire, floods, typhoons, and earthquakes.
  • Roadside Assistance - provides vehicle, personal, and security assistance for when your car breaks down due to electrical or mechanical issues.
Compulsory Third Party Liability (CTPL) is an insurance type required by the Land Transportation Office (LTO) for all vehicle owners in the Philippines. It covers liabilities incurred by the insured to third party victims.
Yes, but it doesn't have to be a printed copy. You can simply save a copy of your car insurance policy on your phone. Having an e-policy gives you quicker access to your car insurance information and also reduces carbon footprint. ?
In case of a vehicular accident, you can file a claim with your insurance provider for repairs or other forms of indemnification. Before doing so, make sure that you have all the requirements needed for a car insurance claim process. Some of these are: police report, photocopy of your driver's license, and photos of the accident scene.
Yes, but only Compulsory Third Party Liability or CTPL insurance. The LTO (Land Transportation Office) does not allow the registration or renewal of a vehicle without having CTPL first. Know how this works here.
Participation fee is the amount you pay out-of-pocket before the insurance company pays towards a car insurance claim. As a policyholder, you “participate” in your car insurance cost. Generally, participation fees in the Philippines cover the deductible, depreciation, or both. These costs are deducted from the proceeds of your claim. Know more about participation fee here.
When purchasing comprehensive car insurance, consider the following car insurance add-ons: roadside assistance for when your car breaks down due to electrical or mechanical issues, Acts of Nature to cover your vehicle from natural calamities, and RSCC or Riots, Strikes, and Civil Commotion coverage.
It may be tempting to save money by sticking to CTPL insurance. However, getting comprehensive car insurance will keep you from spending thousands if your car gets damaged. Save money on your car insurance policy by choosing a cheaper car, maintaining a good driving record, and comparing car insurance quotes. Learn more about this here.

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Inform yourself and get the most out of your policy. Read our articles about car insurance here. Read more articles