In short
The IC standard Private Car Policy (official source) excludes all of these from own damage, so a car without AON is not paid after a natural disaster.
The IC motor tariff (official source) sets AON's minimum rate at 0.50% of the insured value, as of 1 January 2015. Claims under AON keep the own damage deductible: 0.50% of the insured value, never below ₱2,000.
- Events named
- Flood, typhoon, hurricane, volcanic eruption, earthquake, other convulsions of nature
- Status in the IC standard policy
- Excluded except CTPL (standard form since 1 July 2023); optional cover under IC CL 2021-54
- Minimum tariff rate
- 0.50% of insured value (IC Motor Car Tariff, as of 1 January 2015)
- Lightning
- Already an own damage peril; no AON needed
- Burden of proof without AON
- On the insured
- Car loans
- Metrobank and BPI require AON on a financed car (bank FAQs, October 2026)
What acts of nature means in car insurance
Acts of nature are the events that open General Exception 3 of the standard car policy. The list: flood, typhoon, hurricane, volcanic eruption, earthquake "or other convulsion of nature".
The IC tariff uses the same list for its AON rate.
AON is one of three optional covers in IC Circular Letter 2021-54 (official source). Bought with own damage cover, it lets Section III pay for those events.
On a CTPL-only policy it does nothing, because CTPL pays third parties and never your car.
| Event | Without AON | With AON |
|---|---|---|
| Flood | Excluded | Paid under own damage terms |
| Typhoon or hurricane | Excluded | Paid under own damage terms |
| Earthquake | Excluded | Paid under own damage terms |
| Volcanic eruption | Excluded | Paid under own damage terms |
| Tree falls on the car in a typhoon | Excluded: the clause reaches losses indirectly caused by the event | Paid under own damage terms |
| Lightning strike | Paid: lightning is a named own damage peril | Paid |
Why the wording puts the burden of proof on you
General Exception 3 ends with a burden-of-proof clause. On any claim, the insured must prove the loss arose independently of the excluded events.
Without that proof, the insurer is not liable.
A collision on a flooded road in the middle of a typhoon is hard to separate from the typhoon. AON closes that gap: with the cover on, the natural event stops being an exclusion to argue about.
What each insurer covers
| Coverage |  Alliedbankers Insurance |  Alpha Insurance |  Asia Insurance Philippines |  Asia United Insurance |  AXA Philippines |  Bethel Insurance |  BPI MS |  Cibeles Insurance |  Cocogen Insurance |  Commonwealth Insurance |  Corporate Guarantee Insurance |  Country Bankers Insurance |  FGen Insurance (Fortune General) |  FPG Mercantile |  Liberty Insurance |  Malayan Insurance |  Oona Insurance |  Pacific Union Insurance |  Paramount Insurance |  Petrogen Insurance |  PGA Sompo |  PhilFirst Insurance |  Pioneer Insurance |  Prudential Guarantee |  SGI Philippines |  Standard Insurance |  Sterling Insurance |  Stronghold Insurance |  Travellers Insurance |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Own damage and theft | Included | Included | Not listed | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Not listed | Included | Included | Included | Included | Not listed | Not listed | Included | Included | Included | Included | Included | Included | Included | Included |
| Excess bodily injury | Included | Not listed | Not listed | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Not listed | Included | Included | Included | Included | Not listed | Not listed | Optional | Included | Included | Included | Included | Not listed | Optional | Included |
| Third-party property damage | Included | Not listed | Not listed | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Not listed | Not listed | Optional | Included | Included | Included | Included | Not listed | Optional | Included |
| Auto personal accident | Included | Included | Not listed | Not listed | Included | Optional | Included | Included | Included | Included | Included | Included | Optional | Included | Not listed | Included | Included | Not listed | Included | Not listed | Not listed | Included | Included | Not listed | Included | Included | Included | Not listed | Optional |
| Acts of nature | Optional | Not listed | Not listed | Not listed | Optional | Optional | Optional | Not listed | Optional | Not listed | Not listed | Not listed | Optional | Included | Not listed | Not listed | Optional | Optional | Optional | Not listed | Not listed | Included | Optional | Not listed | Included | Not listed | Not listed | Not listed | Optional |
| Riot, strike and civil commotion | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Included | Not listed | Included | Optional | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed |
| Roadside assistance | Included | Included | Not listed | Not listed | Optional | Not listed | Included | Not listed | Included | Not listed | Not listed | Not listed | Not listed | Included | Not listed | Included | Included | Not listed | Not listed | Not listed | Included | Included | Included | Included | Not listed | Included | Not listed | Not listed | Not listed |
| Loss of use | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Optional | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Optional | Optional | Not listed | Not listed | Not listed | Not listed | Not listed | Optional | Not listed | Not listed | Included | Not listed | Not listed | Not listed |
How much acts of nature cover adds to the premium
AON is priced as a rate on the car's insured value, on top of the own damage and theft rate. The IC motor tariff sets the AON minimum at 0.50%.
Own damage and theft run 1.25% to 3.75% for private cars. Both rates are as of 1 January 2015.
On a ₱1,000,000 car, the 0.50% minimum is ₱5,000 a year before taxes. Taxes sit on top of the basic premium.
The premium calculator takes the rates on your quote and shows the total.
- AON minimum rate
- 0.50% of insured value (IC tariff as of 1 January 2015)
- Own damage and theft
- 1.25% to 3.75% of insured value
- Documentary stamp tax
- 12.5% of premium (NIRC Sec. 184 (official source))
- VAT
- 12% of premium (NIRC Sec. 108)
- Local government tax
- Up to 0.75%, set by each city or municipality (Local Government Code Sec. 144)
Insurers that include AON and insurers that add it
A quote without AON looks cheaper because it leaves out natural disasters. Read which group your insurer falls in before comparing prices.
Choose AON if your bank requires it or the car is parked or driven where streets flood. Otherwise you save at least 0.50% of value, and flood, typhoon or quake damage is then yours to pay.
Banks look for it too. Metrobank asks for a full motor policy with Acts of Nature on a financed car, and BPI requires it when you bring your own insurer.
The car loan insurance guide lists each bank's terms.
| How AON appears | Insurers (product) |
|---|---|
| Listed as a cover inside the product | Standard Insurance (Car Protect), Malayan (AutoMaster) |
| Optional, for an additional premium | Bethel, Cocogen (Auto Excel Plus), BPI MS, AXA, OONA on basic plans |
| Named among the motor covers, terms not given | Alpha, Country Bankers, SGI, Sterling, Pioneer |
| Sold under another name | Cibeles: Extended Perils |
Filing an acts of nature claim
Typhoon and earthquake claims follow the own damage process. The flood claims guide has the do's and don'ts that apply to every AON claim.
After a quake or storm, report early and keep the damaged car off the road until it is repaired. Under Condition 3 of the standard policy, damage from driving it on is excluded.
Hotlines are in how to file a car insurance claim.
- Record the event
Note the typhoon name or the earthquake date. Photograph the car where the damage happened.
- Report to the insurer
Use the claims hotline or email. Standard Insurance sends an AON questionnaire for natural disaster claims. The report is done when the insurer confirms the claim and asks for its documents.
- Watch for a calamity declaration
Under IC Circular Letter 2025-21 (official source) of 13 November 2025, a declared state of calamity relaxes documents and extends notice periods.
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