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Comprehensive insurance or "compre" is an all-inclusive type of auto insurance. It is not mandatory to have but it is highly recommended to get one. Comprehensive car insurance covers not only your vehicle but as well as you and your passengers from road-related risks and hazards.
Your car insurance coverage totally depends on you. When comparing online car insurance quotes, we recommend that you add Roadside Assistance, Acts of Nature (Acts of God), Bodily Injury, and Personal Damage.
CTPL is a type of car insurance in the Philippines mandated by the government for all vehicle owners. It only covers the financial responsibilities you will have to the victim/s of an accident you were involved in. CTPL does not cover you and your vehicle. Meanwhile, comprehensive insurance offers a higher level of protection for you and your vehicle. This type of auto 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. Learn more about the difference in this guide.
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.
Definitely! When purchasing a comprehensive insurance policy, you can include a variety of coverage 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.
There is no fixed price for comprehensive insurance in the Philippines. It differs by price since there are many factors to consider, including the age of your vehicle, the car insurance add-ons you want to include, and other insurance-related fees. Find out more about car insurance coverage by getting a free online car insurance quote here.
There are many ways to lower the cost of your comprehensive 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. Compare auto insurance quotes from as many companies as possible so you can get the best car insurance coverage at the cheapest price.
When purchasing comprehensive 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. Learn more about such add-ons here.
Yes, but it doesn't always have to be a printed copy. You can simply keep an electronic copy of your auto insurance policy on your phone. Having an e-policy gives you quicker access to your car insurance information and is also eco-friendly.
Yes, but only if you have the Personal Accident coverage added to your comprehensive insurance policy. Consider this car insurance add-on if you often travel with your relatives and friends. If you only have CTPL insurance, you and your passengers will not be insured.
In case of a vehicular accident, you can file a claim with your auto 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 include a fully-paid car insurance policy, police report, photocopy of your driver's license, and photos of the accident scene. Aside from car insurance comparisons, Moneymax can also help you file a claim. Just visit this page.
Participation fee is the amount you pay out-of-pocket before the car insurance company pays the rest of the car insurance claim. As a policyholder, you “participate” in your auto insurance cost. Generally, participation fees in the Philippines cover the deductible fee, depreciation fee, or both. Know more about participation fee in this article.

Did you recently buy a car? You need car insurance! The thrill of having a new car is over and now you have to go through the process of insuring your four-wheeled investment. Getting a car insurance in the Philippines can be confusing, especially for first-time vehicle owners. However, that shouldn’t be an excuse to not get one. It takes time, patience, and a little hard work to get the best car insurance policy for you. Here’s a helpful guide to get you started. Read more

Looking for a cheap comprehensive insurance? It can be challenging, but it’s not an impossible task. By comparing online car insurance quotes, it is possible to get a policy that suits your vehicle and your lifestyle with a price that won’t break the bank. You just have to do your homework and understand the different factors that can affect the price of your auto insurance. Don’t worry, you’re not going through this blindly. Here are some tips to help you get that cheap car insurance deal. Read more

Saving on your comprehensive car insurance cost begins with comparing quotes and finding the best deal from different insurance providers in the Philippines. Since car insurance rates vary from one insurance company to another, it is best to get as many car insurance quotes as possible. Don’t be afraid to shop around and compare your options meticulously. This will help you determine which provider is the easiest to deal with, which one can give you better coverage, or which one can give you the most bang for your buck.

When you compare auto insurance quotes, do not just look at the rates. An insurance policy with the lowest premium is not necessarily the best option. You also have to check the coverage, exclusions, benefits, and the reputation of each insurance provider.

Calling up each provider to ask for car insurance quotes is good, but it can eat up much of your time. Make the process easier by taking advantage of the free comparison tool here at Moneymax to help you compare car insurance quotes in just a few minutes.

One of the advantages of comprehensive car insurance is that you can customize your coverage. Go over your policy and check the coverage that you have. You may not need the add-on benefits so remove them to lower your insurance costs.

For example, if you’re already a member of an auto club in the Philippines where you enjoy privileges such as roadside assistance, it makes sense to eliminate this coverage from your car insurance. If you already have a family lawyer, you might as well remove the legal assistance coverage to save more money. But of course, don’t remove an essential coverage just to save a few thousands. If you really need any of the add-on benefits, keep it in your policy.

You can further cut down on your vehicle insurance costs if you pay your premiums in full or in lump sums every year compared to paying monthly installments. Insurance companies are inclined to give you discounts when you pay full annual premiums because it saves them a lot of time in processing your payments.

Paying in full also endears you to your insurer and they will eventually treat you as a priority policyholder. Processing your comprehensive car insurance claim will be a breeze once you’ve built a rapport with your insurer.

A Car Insurance Coverage Gap happens when you fail to keep your car insured for a certain period because of various reasons, such as your policy getting cancelled or you making late payments. A gap is also likely to happen when you took a long time switching to a new car insurance company after you ended your policy to your former insurer. It’s always important to be consistent in insuring your vehicle.

Having these gaps and lapses in your history will greatly increase your premium the next time you apply for a policy. Make sure to pay your premium on time to prevent these gaps and save money on your insurance.

Also, when you get a new auto insurance from a different provider, do not terminate your existing one until your new policy becomes active.

Owning a car increases the likelihood of you being involved in a road accident. That’s where your car insurance comes in. It ensures you that you will receive assistance and compensation for the loss of your car or the damage it has sustained following an accident. It’s something that we hope don’t happen to you but if it does, you should know how to properly file a car insurance claim in the Philippines. Here is a comprehensive guide to walk you through the process. Read more

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