AXA Philippines Comprehensive Car Insurance
AXA Philippines offers comprehensive auto insurance plans in the Philippines starting at ₱13,000/year. With over 239 accredited repair shops and 18 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 8 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱3 million.
Quick Facts
Coverage Type
Comprehensive
Premium Range
₱13,000–₱35,000/year
Coverage Details
- Fire and lightning damage protection
- Third-party property damage up to ₱337,000
- Riot, strike, and civil commotion coverage
- Excess bodily injury up to ₱233,000
Claims Process
Filing a claim with AXA Philippines involves 5 steps. First, report the incident within 24 hours by calling (02) 8633-6925 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 15 business days after approval.
Pros & Cons
Pros
- Provides courtesy car for up to 10 days during repairs
- Offers no-claim discount of up to 21% after 1 year
- Partners with 10+ hospitals for personal accident claims
- Claims processing averages 4 business days
- Accredited in over 13 repair shops across the Philippines
Cons
- Online portal lacks some features available in-app only
- Excess coverage requires separate add-on costing ₱490,000/year
- Processing time can reach 19 days for major claims
- Requires minimum 3 repair shop quotes for claims above ₱434,000