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Getting a car insurance can be confusing, especially for first-time vehicle owners. With more than 60 auto 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, in which you can include add-ons such as Bodily Injury Liability, Property Damage, Acts of Nature, and Roadside Assistance. CTPL, on the other hand, 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 only if you have Personal Accident coverage in your comprehensive car insurance policy. Consider this car insurance add-on if you often travel with your relatives and friends.
Yes, but it doesn't always 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 is also eco-friendly, which means you get to save trees. 😉
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: fully-paid car insurance policy, police report, photocopy of your driver's license, and photos of the accident scene. Moneymax can also help you file a claim. Just visit our claims portal
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.
There is no fixed price for comprehensive car insurance in the Philippines. Comprehensive car insurance differs by price as it depends on many factors, including the age of your vehicle plus car insurance add-ons you may want to include.
Participation fee is the amount you pay out-of-pocket before the insurance company pays toward a car insurance claim. As a policyholder, you “participate” in your car insurance cost. Generally, participation fees in the Philippines cover the deductible fee, depreciation fee, or both. These costs are deducted from the proceeds of your claim. Know more about participation fee in this article.
Definitely! When purchasing a comprehensive car insurance policy, you can include a variety of coverages on your premium, including Roadside Assistance, Acts of Nature (Acts of God), Loss of Use, and even Pet Injury. Feel free to ask your insurance agent about this.
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 for events that may damage your vehicle.
There are many ways to lower the cost of car insurance such as increasing your deductible fee and choosing a vehicle that costs less to insure. However, the best way to get cheap car insurance is by comparing your options. Get car insurance quotes from as many companies as possible so you can get the best car insurance coverage at the cheapest price.

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