Alpha Car Insurance

What Alpha Insurance sells

Buy through: Alpha's 80 branches and 5 service offices, Licensed Alpha agents, agencies and brokers, Marketing line 0916 465 7223.

How to file an Alpha Insurance claim

1. Before you call, have these ready

   Your policy and its official receipt, the car's certificate of registration and official receipt, your driver's licence, and photos of the damage with the plate number showing.

2. Report within 24 hours

   Alpha's claims page (official source) asks you to tell your nearest branch or agent within 24 hours of the accident. The claims line is 0927 740 3299. For a stolen car, report to the police first.

3. Send the documents for own damage

   Alpha may inspect a total loss, and any damage the photos do not show, before it approves the repair. Do not drive the damaged car meanwhile: further damage from driving it before repair is excluded under the standard policy.

   • Policy and official receipt
   • Certificate of registration and official receipt
   • Driver's licence
   • Police report, affidavit or incident report
   • Photos that show the plate number
   • Stencils of the serial, chassis and motor numbers
   • Repair estimates
4. For damage to another car, add a no-claim certificate

   A third-party property claim needs the own-damage set plus a certificate of no claim from the other side.

   • Certificate of no claim
5. For a stolen car, add the theft papers

   Report the theft to the police first. Alpha then needs the theft documents with your policy and registration.

   • Alarm sheet and complaint sheet
   • Original certificate of non-recovery from Camp Crame
   • Vehicle invoice
6. For injury or death, add the medical and civil papers

   Bodily injury and death claims go with the police report and the victim's records.

   • Original medical certificate
   • Medical receipts or hospital bill
   • Death certificate and burial receipts (death claims)
   • Marriage contract and birth certificate (death claims)
7. What a settled claim looks like

   Alpha agrees the amount, then pays or approves the repair. The Insurance Code, Sec. 249 (official source) requires payment within 30 days after proof of loss is received and the loss is agreed. If the claim is denied, the IC standard Private Car Policy (official source) asks for mediation first and gives you one year from the denial to sue; a request for reconsideration does not stop that clock.

Documents to have ready

Before you buy

• Ask whether acts of nature (flood, typhoon, earthquake) and riot, strike and civil commotion are in your quote. The IC standard Private Car Policy (official source) excludes them unless added as an optional cover.
• Ask for the participation (deductible) in writing. Unless the insurer states its own figure, the IC motor tariff (official source) sets the higher of ₱2,000 or 0.5% of the sum insured.
• Parts are depreciated on own-damage claims once the car is over 3 years old, from 20% up to 40% by age, under the standard policy (official source). A total loss is settled differently.
• Tell the insurer as soon as possible after an accident, with full details, and keep every claim document. For carnapping, the policy (official source) also asks for immediate notice to the police.
• If the car is financed, name the bank as mortgagee: how to insure a financed vehicle.
• Your policy schedule and wording decide what is paid. For a dispute the insurer cannot settle, the Insurance Commission's public assistance desk takes complaints: how to file a claim.

Alpha Insurance contact

Claims hotline

0927 740 3299

Phone

(02) 8525-1301 (trunkline); (02) 8869-6413 (OFW line)

Address

Alpha Insurance Center, 1025 San Marcelino Street, Ermita, Manila

About Alpha Insurance

Founded

1957