Travel Insurance

Access hundreds of different types of insurance in the Philippines and compare prices to get the best deal.

7%

Compare prices across 7 different providers

1800

Over 1,800 policies provided online

87%

Over 87% of policy holders renew

What travel insurance do you need?

Get multiple instant travel quotes

To
View 5 Quotations

Sed ut perspiciatis unde omnis

Sed ut perspiciatis unde omnis

Sed ut perspiciatis unde omnis

Sed ut perspiciatis unde omnis

Sed ut perspiciatis unde omnis

Inusrance License Commision 17867-54327-654398

Insurance

This is how it works, it’s simple.

Your in control of comparing, configuring and choosing the best policy, as well as selecting from payment methods and over a time period that works for you.

01

Step number 1

Lorem ipsum dolor sit amet, consectetur adipiscing eli.

02

Step number 2

Lorem ipsum dolor sit amet, consectetur adipiscing eli.

03

Step number 3

Lorem ipsum dolor sit amet, consectetur adipiscing eli.

04

Step number 4

Lorem ipsum dolor sit amet, consectetur adipiscing eli.

Insurance

Other kinds of motor insurance

Your in control of comparing, configuring and choosing the best policy, as well as selecting from payment methods and over a time period that works for you.

Insurance

What our customer say

Your in control of comparing, configuring and choosing the best policy, as well as selecting from payment methods and over a time period that works for you.

What is car insurance and how does it work in the Philippines?

Car insurance in the Philippines is a legal requirement for driving on public roads. It serves as financial protection in case of damage to your vehicle or others'. The insurance policy is a contract between you and the provider, shielding you from significant financial loss.

The level of protection depends on the yearly premium paid and the policy's inclusions. Mandatory coverage includes Compulsory Third Party Liability Insurance (CTPL), which covers third-party death and injury. Most opt for comprehensive insurance, which covers physical damage, bodily injury from collisions, theft, fire, and other incidents.

Comprehensive insurance helps cover vehicle repair costs, hospitalization fees, and protects other vehicle owners. It typically includes:

Property coverage for damage or theft of your car.

Liability coverage for legal responsibility to others for injury or property damage.

Medical coverage for treating injuries, rehabilitation, lost wages, and funeral expenses.

Why do i need car insurance?

Car insurance is crucial for several reasons:

01

Legal Compliance

Driving without insurance is illegal. If you cause an accident, you'll be liable for damages to your vehicle and the other party's vehicle, potentially costing over ₱100,000.

02

Financial

Comprehensive car insurance covers all damages, safeguarding your finances.

03

Loan Requirement

If your car is under a loan, comprehensive insurance is mandated until fully paid. Afterwards, you may opt for CTPL only.

Key benefits of comprehensive insurance include:

Repairs or total write-off coverage for your vehicle.

Medical assistance for you and your passengers.

Expedited repairs and sometimes a temporary car.

Emergency services like ambulance and roadside assistance.

Legal assistance for third-party cases.

Additional perks and benefits.

Is car insurance required by law?

Car insurance is required by law in the Philippines. The Motor Vehicle Liability Insurance Act (Republic Act No. 4136) mandates that all motor vehicles registered in the country must have Compulsory Third Party Liability (CTPL) insurance coverage. CTPL insurance provides coverage for liabilities arising from injuries or death to third parties involved in an accident where the insured vehicle is at fault.

CTPL insurance is designed to provide financial assistance to third parties, such as pedestrians, passengers, or occupants of other vehicles, for medical expenses, funeral costs, and other related expenses resulting from injuries or death caused by the insured vehicle.

Failure to obtain CTPL insurance is a violation of the law and can result in penalties, fines, and other legal consequences. Additionally, vehicles without CTPL insurance may not be registered or renewed with the Land Transportation Office (LTO), as proof of CTPL coverage is required during the registration process.

While CTPL insurance is mandatory, other types of car insurance, such as comprehensive insurance or additional coverage options, are optional but highly recommended for additional protection and financial security. These optional insurance policies provide broader coverage for damages to your own vehicle and may offer additional benefits and services beyond the basic CTPL coverage.
Learn More About CTPL

What are the different types of car insurance?

In the Philippines, there are several types of car insurance policies available to vehicle owners, each offering different levels of coverage and benefits. Here are the main types of car insurance in the Philippines:

Compulsory Third Party Liability (CTPL) Insurance

CTPL insurance is mandatory for all vehicles registered in the Philippines under the Motor Vehicle Liability Insurance Act. It provides coverage for liabilities arising from injuries or death to third parties involved in an accident where the insured vehicle is at fault. CTPL insurance is designed to provide financial assistance to third parties for medical expenses, funeral costs, and other related expenses.

Comprehensive Car Insurance

Comprehensive insurance provides extensive coverage for a wide range of risks and damages to your vehicle, including accidents, theft, vandalism, natural disasters, fire, and personal accidents. It offers broader protection compared to CTPL insurance and is often chosen by vehicle owners who want comprehensive financial protection for their vehicles.

Third Party Liability (TPL) Insurance

TPL insurance provides coverage for liabilities arising from injuries or death to third parties involved in an accident where the insured vehicle is at fault. Unlike CTPL insurance, which is mandatory, TPL insurance is optional and typically offers higher coverage limits and additional benefits compared to CTPL.

Acts of Nature Coverage (AON)

This type of insurance, also known as "Acts of God" coverage, provides protection for damages to your vehicle caused by natural disasters such as typhoons, floods, earthquakes, and other catastrophic events. AON coverage is often included as an add-on to comprehensive insurance policies or can be purchased separately.

Personal Accident Insurance

Personal accident insurance provides coverage for injuries sustained by the driver and passengers of the insured vehicle in an accident. It offers financial assistance for medical expenses, hospitalization, and loss of income resulting from accident-related injuries. Personal accident insurance can be added as an optional coverage to comprehensive insurance policies.

Loss and Damage Insurance

Loss and damage insurance provides coverage for damages to your vehicle caused by accidents, theft, vandalism, and other covered incidents. It is similar to comprehensive insurance but may have more limited coverage options and benefits.

These are the main types of car insurance available in the Philippines, each serving different purposes and providing varying levels of coverage. It's important to carefully review your insurance needs and options to choose the policy that best suits your requirements and budget. Additionally, insurance companies may offer additional add-ons or customization options to tailor the coverage to your specific needs.

What are the differences between comprehensive insurance and CTPL?

Below is a comparison table outlining the differences between Comprehensive Car Insurance and CTPL (Compulsory Third Party Liability) Insurance in the Philippines:

Coverage Compulsory Third Party Liability Voluntary Third Party Liability Comprehensive without AON Comprehensive with AON
CTPL Optional Optional Optional
Excess Liability : Bodily Injury
Excess Liability : Property Damage
Passenger Personal Accident
Own Damage / Loss
Theft
Strikes, riots, civil commotion
Acts of nature
Benefits
Roadside Assistance Optional Optional Optional
Towing Service
Ambulance Service
Fuel Delivery
Tire Replacement
Battery Jumpstart
Legal Assistance
24/7 Customer care
Loss of use - Temporary use of vehicle

Can you buy car insurance online?

Yes, you can buy car insurance online in the Philippines. Many insurance companies in the Philippines offer online platforms and digital channels where customers can purchase car insurance policies conveniently over the internet. Here's how the process typically works:

01

Research and Comparison

Before buying car insurance online, it's advisable to research different insurance providers and compare their coverage options, premiums, discounts, and customer reviews. Many insurance comparison websites and online aggregators can help you compare multiple insurance companies and policies side by side.

02

Quote Generation

Most insurance companies allow you to generate a quote online by providing basic information about yourself and your vehicle. You'll typically need to provide details such as your name, contact information, vehicle make and model, year of manufacture, and any additional coverage options you're interested in.

03

Customization

After generating a quote, you may have the option to customize your coverage based on your preferences and needs. This may include choosing coverage limits, deductibles, optional add-ons, and selecting any discounts you may qualify for.

04

Payment

After verifying your information, you'll proceed to the payment stage, where you can pay the premium for your car insurance policy securely online using various payment methods such as credit/debit card, online banking, or electronic funds transfer.

05

Policy Insurance

Once the payment is processed successfully, the insurance company will issue your car insurance policy electronically. You'll typically receive a digital copy of your policy documents via email or through the insurance company's online portal. Some insurance companies may also offer the option to download and print your policy documents for your records.

06

Customer Service and Support

Throughout the process, you may have access to customer service and support channels provided by the insurance company, such as live chat, email, or phone support, to assist you with any questions or concerns you may have.

Buying car insurance online offers convenience, flexibility, and the ability to compare multiple options quickly and easily. However, it's essential to ensure that you're purchasing from a reputable insurance provider and carefully review the terms and conditions of the policy before making a purchase.

Common Mistakes in Car Insurance

Yes, you can buy car insurance online in the Philippines. Many insurance companies in the Philippines offer online platforms and digital channels where customers can purchase car insurance policies conveniently over the internet. Here's how the process typically works:

Skipping Online Research

Failing to compare insurance policies online can lead to overpaying premiums by ₱5,000 - ₱10,000. Obtain transparent pricing and gather 2-3 quotes to ensure you're getting the best deal.

Ignoring Online Payments

Opting for online payment offers instant transactions and flexible payment options, such as direct debit or credit card, allowing you to spread payments over a year. Digital policies also enable easy updates and additional coverage.

Settling for the Cheapest Coverage

Choosing the cheapest insurance may seem economical, but it could leave you vulnerable in case of accidents involving expensive vehicles. Consider the potential costs of accidents before opting for the cheapest option.

Lack of Transparency with Providers

Providing inaccurate information to lower premiums can backfire, leading to higher premiums or denial of claims. Full transparency, especially regarding driving history, can result in lower premium rates.

Neglecting Additional Coverage

Essential add-ons like Acts of Nature and Roadside Assistance should not be overlooked. Assess your standard comprehensive coverage and opt for additional options that suit your needs, which are often conveniently available online.

Common car insurance policy terms

Car insurance policies typically include a variety of features and components designed to provide coverage and protection to the policyholder. While specific features may vary depending on the insurance provider and the type of policy chosen, here are some common features found in car insurance policies:

Additional Benefits and Services

Many car insurance policies offer additional benefits and services, such as roadside assistance, towing services, rental car reimbursement, emergency support, and coverage for personal belongings or accessories.

Deductibles

A deductible is the amount of money the policyholder must pay out of pocket before the insurance company starts to cover the remaining costs. Higher deductibles often result in lower premiums, while lower deductibles mean higher premiums.

Policy limits

Insurance policies specify the maximum amount the insurance company will pay for covered losses or damages. These limits may vary depending on the type of coverage and the terms of the policy.

Beneficiary

The person or entity designated to receive the benefits of an insurance policy in the event of the policyholder's death or other qualifying event.

Exclusions

Car insurance policies may include exclusions, which are specific conditions or circumstances for which coverage is not provided. Common exclusions may include intentional acts, racing, driving under the influence, or using the vehicle for commercial purposes.

Premium

Premiums are the payments made by the policyholder to the insurance company to maintain coverage. The premium amount is based on factors such as the insured vehicle's value, make and model, the policyholder's driving history, age, location, and coverage limits.

Claim

A formal request made by the policyholder to the insurance company for payment or coverage of a loss or damages covered by the policy.

Liabilty

Legal responsibility or obligation, particularly in the context of insurance, where liability coverage protects the policyholder from financial losses resulting from claims or lawsuits brought against them.

Rider

 Also known as an endorsement or addendum, a rider is an additional provision or modification to an insurance policy that expands or alters the coverage provided.

Claims Process

The policy outlines the procedures and requirements for filing a claim with the insurance company in the event of an accident or covered incident. This includes reporting the incident promptly, providing necessary documentation, and cooperating with the claims investigation process.

Loss

The reduction in value or financial damage resulting from an insured event, such as an accident, theft, natural disaster, or injury.

Risk

The likelihood of loss, damage, injury, or other adverse events occurring, which the insurance company agrees to protect against in exchange for premiums.

Coverage

The specific protections and benefits provided by an insurance policy. Coverage can vary depending on the type of insurance and the terms outlined in the policy.

Policy Holder

The individual or entity that owns the insurance policy and is responsible for paying premiums to maintain coverage.

Terms and Conditions

Car insurance policies include detailed terms and conditions governing the coverage, obligations of the policyholder, responsibilities of the insurance company, and other relevant provisions. It's essential to review and understand these terms before purchasing a policy.

Coverage limit

The maximum amount of money that an insurance policy will pay out for covered losses or damages. Coverage limits are specified in the policy and may vary depending on the type of coverage.

Policy

A contract between an insurance company and the policyholder that outlines the terms, conditions, coverage limits, and exclusions of the insurance agreement.

Underwritting

The process by which an insurance company assesses the risk associated with insuring a particular individual, property, or business, and determines the appropriate premium and coverage.

Car Insurance FAQs

People often have questions and concerns about car insurance, especially if they're purchasing it for the first time or considering different coverage options. Here are some common FAQs (Frequently Asked Questions) about car insurance:

This question addresses the different types of car insurance policies, such as comprehensive, liability, collision, and personal injury protection, and what risks and damages each type of coverage typically covers.

This is the second item's accordion body. It is hidden by default, until the collapse plugin adds the appropriate classes that we use to style each element. These classes control the overall appearance, as well as the showing and hiding via CSS transitions. You can modify any of this with custom CSS or overriding our default variables. It's also worth noting that just about any HTML can go within the .accordion-body, though the transition does limit overflow.

This is the third item's accordion body. It is hidden by default, until the collapse plugin adds the appropriate classes that we use to style each element. These classes control the overall appearance, as well as the showing and hiding via CSS transitions. You can modify any of this with custom CSS or overriding our default variables. It's also worth noting that just about any HTML can go within the .accordion-body, though the transition does limit overflow.

This is the third item's accordion body. It is hidden by default, until the collapse plugin adds the appropriate classes that we use to style each element. These classes control the overall appearance, as well as the showing and hiding via CSS transitions. You can modify any of this with custom CSS or overriding our default variables. It's also worth noting that just about any HTML can go within the .accordion-body, though the transition does limit overflow.

This is the third item's accordion body. It is hidden by default, until the collapse plugin adds the appropriate classes that we use to style each element. These classes control the overall appearance, as well as the showing and hiding via CSS transitions. You can modify any of this with custom CSS or overriding our default variables. It's also worth noting that just about any HTML can go within the .accordion-body, though the transition does limit overflow.

This is the third item's accordion body. It is hidden by default, until the collapse plugin adds the appropriate classes that we use to style each element. These classes control the overall appearance, as well as the showing and hiding via CSS transitions. You can modify any of this with custom CSS or overriding our default variables. It's also worth noting that just about any HTML can go within the .accordion-body, though the transition does limit overflow.

This is the third item's accordion body. It is hidden by default, until the collapse plugin adds the appropriate classes that we use to style each element. These classes control the overall appearance, as well as the showing and hiding via CSS transitions. You can modify any of this with custom CSS or overriding our default variables. It's also worth noting that just about any HTML can go within the .accordion-body, though the transition does limit overflow.

This is the third item's accordion body. It is hidden by default, until the collapse plugin adds the appropriate classes that we use to style each element. These classes control the overall appearance, as well as the showing and hiding via CSS transitions. You can modify any of this with custom CSS or overriding our default variables. It's also worth noting that just about any HTML can go within the .accordion-body, though the transition does limit overflow.

This is the third item's accordion body. It is hidden by default, until the collapse plugin adds the appropriate classes that we use to style each element. These classes control the overall appearance, as well as the showing and hiding via CSS transitions. You can modify any of this with custom CSS or overriding our default variables. It's also worth noting that just about any HTML can go within the .accordion-body, though the transition does limit overflow.

This is the third item's accordion body. It is hidden by default, until the collapse plugin adds the appropriate classes that we use to style each element. These classes control the overall appearance, as well as the showing and hiding via CSS transitions. You can modify any of this with custom CSS or overriding our default variables. It's also worth noting that just about any HTML can go within the .accordion-body, though the transition does limit overflow.

Other Insurance

Your in control of comparing, configuring and choosing the best policy, as well as selecting from payment methods and over a time period that works for you.

Car

Starts at P500

Motorcycle

Starts at P500

Commercial

Starts at P500

CTPL

Starts at P500
New!

Home

Starts at P500

Travel

Starts at P500

Health

Starts at P500

Life

Starts at P500