Getting a quote with us is quick and easy. You can either visit our website and use our user-friendly online quoting tool, which takes just a few minutes, or you can call our dedicated customer support team at [phone number]. We'll need some basic information about your vehicle and driving history to provide you with an accurate quote. If you prefer a face-to-face interaction, you can also visit one of our local offices, and our friendly staff will assist you in person.

CTPL - or Compulsory Third Party Liability Insurance only covers third party bodily injuries or death caused by accident with a limit of 100,000 pesos. This is subject to the Schedule of Indemnity. 

COMPREHENSIVE CAR INSURANCE Covers a wider range of financial damages that can be caused by car accidents. The coverage includes damages to own vehicle, damages to other people’s vehicle or property, and bodily injuries or death of a third party and own passengers. 

Only CTPL insurance is required which shall be submitted to the Land Transportation Office every time an application or renewal of vehicle registration is processed.

Comprehensive Car Insurance, however, is not a requirement of the Land Transportation Office, but if a vehicle is mortgaged in a bank or a financing company, the mortgagee and mortgagor usually have an agreement that the vehicle shall be covered by comprehensive insurance during the amortization period. 

A: Own Damage and Theft  - any damages to own vehicle incurred by accidental collision or overturning, and any loss due to theft, whole or any part of the vehicle and unlawful taking of car accessories.

B: Excess Third Party Bodily Injury -  covers the injuries or death caused to other people in an accident. It is known as "excess" because it only provides coverage after the limits of your CTPL insurance policy have been exhausted. Like the CTPL insurance, this is also subject to the Schedule of Indemnity. 

C: Third party property damage - It is a type of car insurance coverage that provides financial protection for damages caused to someone else's vehicle or property in an accident where you are at fault. 

D: Passenger accident - it is a type of insurance policy that provides coverage for driver and passengers who are injured or killed in a car accident

Yes, if you opted to include Acts of Nature (AON) coverage in your comprehensive car insurance. This covers damages caused by flood, typhoon, earthquake, volcanic eruptions and other convulsions of nature. 

YES!

For OD/Theft/AON coverages, no. Insured amount shall be based on the vehicle’s fair market value at the time of the issuance. Fair market values of all vehicles are determined by the Philippine Insurers and Reinsurers Association (PIRA, Inc). 

However, subject to approval of the Insurer, you may opt to adjust the insured amount for Bodily Injury and Property Damage but it should not exceed the vehicle’s fair market value. 

Please note that by insisting to declare your desired market value, your mortgagee may refuse to accept your policy or you may be declined policy issuance.