Alpha Insurance Comprehensive Car Insurance
Alpha Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱12,000/year. With over 157 accredited repair shops and 31 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 6 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱7 million.
Quick Facts
Coverage Type
Comprehensive
Premium Range
₱12,000–₱44,000/year
Coverage Details
- Acts of Nature coverage (typhoon, flood, earthquake)
- Emergency medical reimbursement up to ₱448,000
- No-claim discount of up to 17% on renewal
- Fire and lightning damage protection
- Bodily injury liability up to ₱201,000 per person
- Free towing up to ₱210,000 per incident
Claims Process
Filing a claim with Alpha Insurance involves 5 steps. First, report the incident within 24 hours by calling (02) 8915-8171 or through the mobile app. Submit the required documents — police report, photos, and your policy details — within 5 business days. A claims adjuster will inspect the vehicle within 3 business days of document submission. Standard claims are settled within 10 business days after approval.
Pros & Cons
Pros
- Provides courtesy car for up to 13 days during repairs
- Free annual vehicle inspection at partner service centers
- Partners with 17+ hospitals for personal accident claims
- Claims processing averages 7 business days
- 24/7 customer hotline with average hold time under 3 minutes
Cons
- Excess coverage requires separate add-on costing ₱422,000/year
- Premium increases by 30% after a claim within 12 months
- Depreciation rate of 17% per year on vehicle valuation
- Requires minimum 3 repair shop quotes for claims above ₱256,000