Asia United Insurance Comprehensive Car Insurance
Asia United Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱15,000/year. With over 141 accredited repair shops and 12 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 10 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱2 million.
Quick Facts
Coverage Type
Comprehensive
Premium Range
₱15,000–₱49,000/year
Coverage Details
- Riot, strike, and civil commotion coverage
- Personal accident coverage for driver and up to 13 passengers
- Emergency medical reimbursement up to ₱487,000
- Loss of use allowance of ₱500/day for up to 20 days
- No-claim discount of up to 14% on renewal
- Acts of Nature coverage (typhoon, flood, earthquake)
Claims Process
Filing a claim with Asia United Insurance involves 5 steps. First, report the incident within 24 hours by calling (02) 8179-8571 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 11 business days after approval.
Pros & Cons
Pros
- Partners with 15+ hospitals for personal accident claims
- Provides courtesy car for up to 10 days during repairs
- Flexible payment options including GCash and Maya
- Online policy management and renewal portal available
- Offers no-claim discount of up to 26% after 1 year
Cons
- Requires minimum 3 repair shop quotes for claims above ₱133,000
- Customer service wait times average 19 minutes during peak
- Limited provincial branch coverage outside Metro Manila (12 offices)
- Online portal lacks some features available in-app only