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AXA Philippines Car Insurance

AXA Philippines Life and General Insurance Corporation

Aditya Aman, author and expressway expert based in Manila, PhilippinesBy Published Oct 3, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.

AXA sells AXA Car Insurance (official source) online for private cars up to 7 years old worth ₱300,000 to ₱5,000,000, with acts of nature and roadside help as yes-or-no options in the quote (October 2026). Toyota owners can buy Connected Toyota Insure (official source), which cuts the renewal premium by up to 25% for a good driving score. AXA's motor claim form promises settlement within 3 working days for claims up to ₱50,000, once documents are complete. AXA absorbed Charter Ping An in 2022.

Call (02) 8459-4735Get an online quoteOfficial site

Charter Ping An Insurance merged into AXA Philippines, approved by the SEC on 28 December 2022 (AXA 2025 annual report (official source)). AXA holds composite Certificate of Authority 2025/14-R, on the IC list of licensed insurers as of 31 August 2026 (official source).

What AXA Philippines sells

AXA Car Insurance

  • Physical damage to or theft of your car
  • Third-party liability for injury and property damage
  • Medical costs of the driver and passengers
  • Acts of nature (optional)
  • Roadside assistance (optional upgrade)

AXA CTPL

  • Third-party death and bodily injury, up to ₱200,000 per IC Memorandum Circular 2024-01
  • Bought online; the e-COC downloads within minutes
  • Minor CTPL claims approved in as little as 1 day once documents are complete

Connected Toyota Insure

  • Comprehensive cover priced on how you drive, sold at Toyota dealers
  • Up to 25% off the renewal premium for a good driving score
  • MyToyota Connect models: RAV4, Hilux, Hi-Ace, Corolla Altis, Alphard, Fortuner, Innova Zenix, Land Cruiser LC300

Buy through: Online quote on axa.com.ph, AXA Financial Partners (advisers), AXA branches, Toyota dealers, for Connected Toyota Insure.

AXA Philippines coverage at a glance

Own damage and theft
Included. Partial loss: repair cost less the deductible, parts depreciated by the car's age. Total loss or theft: fair market value at the time of loss less the deductible (AXA Car Insurance page (official source), October 2026).
Excess bodily injury
Included
Third-party property damage
Included
Auto personal accident
Included. Medical costs of the driver and passengers.
Acts of nature
Optional. A yes or no choice in the online quote (AXA Car Insurance page, October 2026).
Roadside assistance
Optional. Upgrade in the quote, October 2026: towing after an accident up to ₱5,000 per incident, minor roadside repairs, and LTO registration help in Metro Manila.

Compare every insurer.

How to file an AXA Philippines claim

  1. Before you file, have these ready

    Your policy, a copy of the CR with OR, a copy of the driver's licence with OR, photos of the damage, a repair estimate, and a police report or notarized affidavit. If someone else drove, an authorisation letter.

  2. Report within 30 days

    The AXA motor claim form asks for notice within 30 days of the accident. Email oneclaims@axa.com.ph, use the Emma by AXA app, or go through your Financial Partner or the nearest AXA branch.

  3. Call the line for your policy date

    Policies that started from 15 November 2024 use (02) 8459-4735. Older policies use (02) 5318-8438. Both answer at any hour.

  4. Fill in the motor claim form

    Attach the documents for your claim type. If someone else was driving, add an authorisation letter.

    • Motor claim form
    • Police report or notarized affidavit
    • Copy of the CR with OR
    • Copy of the driver's licence with OR
    • Photos of the damage
    • Repair estimate
  5. What a settled claim looks like

    AXA's claim form states: claims up to ₱50,000 settle within 3 working days of complete requirements, larger claims within 24 days. The Insurance Code, Sec. 249 (official source) sets the outer limit at 30 days after proof of loss and agreement on the amount. If a claim is denied, the IC standard Private Car Policy (official source) gives one year from the denial to sue, after mediation.

Documents to have ready

8 of 8 still to gather

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.
  • Check the participation fee in the coverage list above. The IC motor tariff (official source) default is 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.

AXA Philippines contact

Claims hotline
(02) 8459-4735
Phone
(02) 8581-5292
Email
oneclaims@axa.com.ph
Address
34th Floor GT Tower International, 6813 Ayala Avenue cor. H.V. Dela Costa Street, Makati City 1227

About AXA Philippines

Founded
1999
Group
AXA Group (45%), First Metro Investment Corporation (28%), GT Capital Holdings (25%)
Insurer's stated claims time
3 working days up to ₱50,000; at most 24 days above ₱50,000, from complete requirements (AXA motor claim form)

AXA Philippines questions

How much is AXA car insurance in the Philippines?

AXA prices each car in its online quote, from the car's fair market value and the options you tick. The Insurance Commission tariff puts own damage and theft at 1.25% to 3.75% of value (tariff as of 1 January 2015).

Put your car's value into the premium calculator.

Which cars can I insure online with AXA?

Private cars up to 7 years old, worth ₱300,000 to ₱5,000,000, from listed brands such as Toyota, Honda, Mitsubishi, Ford, Nissan and Hyundai (AXA Car Insurance page, October 2026).

Choose the online quote if your car fits those limits; otherwise go through a branch or (02) 8581-5292. If you drive a MyToyota Connect model, ask a Toyota dealer for Connected Toyota Insure.

What happened to Charter Ping An Insurance?

AXA Philippines bought all of Charter Ping An in April 2016 and merged it in, with SEC approval on 28 December 2022. Charter Ping An no longer holds its own licence, and AXA now serves its policyholders.

How do I contact Charter Ping An now?

Through AXA Philippines. Call (02) 8581-5292 for customer service, Monday to Friday, 8 am to 6 pm, or the claims line on (02) 8459-4735 at any hour.

How fast does AXA pay a car insurance claim?

Within 3 working days for claims of ₱50,000 or less, and at most 24 days above that, once requirements are complete. Report within 30 days of the accident; the full sequence is in how to file a car insurance claim.

Is AXA car insurance good?

AXA Philippines holds composite Certificate of Authority 2025/14-R, on the IC list of 31 August 2026 (official source). Its non-life unit ranked 9th by gross premiums (all non-life lines, 2025, unaudited).

Read its covers next to other insurers in the car insurance directory.

What happens if I answer no to acts of nature in the AXA quote?

Flood, typhoon and earthquake damage to your car is then not covered.

The IC standard Private Car Policy (official source) excludes acts of nature unless added, and on a claim near such an event you must show the loss arose apart from it.

Weigh it against where you park and drive: acts of nature cover explained.

Sources

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