Bethel Car Insurance

Bethel Life and General Insurance Corporation

By Aditya AmanPublished Oct 3, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.

Bethel sells one private car policy, its Standard Motor Car insurance (official source): CTPL, loss or damage including theft, and excess liability, with acts of nature and unnamed passenger accident cover as paid extensions. You buy through licensed Bethel agents or the Get a Quote form (official source). Its claims page (official source) asks for repair estimates from two Bethel-accredited shops on own-damage claims. The company began in 1961 as BF General Insurance.

Call 0948-935-9950 Official site

Bethel General Insurance and Surety Corporation is now Bethel Life and General Insurance Corporation, a composite insurer. Certificate of Authority 2026/07-O runs from 2 July 2026 to 31 December 2028, on the IC list of licensed insurers as of 31 August 2026 (official source).

What Bethel Insurance sells

Motor Car Insurance

CTPL and no-fault indemnity
Loss or damage: collision, overturning, fire, external explosion, self-ignition, lightning, burglary, theft, malicious acts, transit by road, rail or lift
Excess liability for third-party bodily injury and property damage, above CTPL
Acts of nature (optional): earthquake, typhoon, flood, volcanic eruption
Unnamed passenger accident cover, driver included (optional)

Buy through: Get a Quote form on bethelgen.com (choose Motor Car Insurance), Licensed Bethel non-life agents.

Bethel Insurance coverage at a glance

Own damage and theft: Included
Excess bodily injury: Included. Pays above CTPL and is not tied to the CTPL schedule of indemnities.
Third-party property damage: Included
Auto personal accident: Optional. Unnamed passengers and the driver, for an extra premium.
Acts of nature: Optional. Extra premium: earthquake, typhoon, flood and volcanic eruption.

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How to file a Bethel Insurance claim

Before you file, have these ready
Your policy with its official receipt and endorsement, the driver's licence with its receipt, the car's CR and OR, and photos of the car from at least 4 angles with the plate showing.
Call a traffic officer and admit nothing
Get an officer to the scene and do not admit liability to the other party.
Photograph and write it down
Take photos of the scene. Record the other car's plate, make, model and colour, the driver's licence, contact number, CR and OR, insurer, and the officer's ID.
Look after people and the car
Help anyone injured, report to the police if anyone is in danger, and keep your car safe from further damage.
File with Bethel's claims desk
Email claims@bethelgen.com, call the claims mobile 0948-935-9950, or ring (02) 8817-2002 local 119 (Bethel claims page (official source)).
Send the documents and two estimates
Own damage and third-party property damage claims need repair estimates from at least two Bethel-accredited shops.
- Policy with OR and endorsement
- Original police or barangay incident report
- Driver's licence with OR
- CR with OR
- Photos from at least 4 angles showing the plate
- Two accredited-shop estimates
- Stencils of the motor and serial numbers
For a carnapped car, wait out the 90 days
Bethel asks for the complaint and alarm sheets and a certificate of non-recovery covering 90 days. If the car is not found in 90 days, it also asks for the original CR, OR and the ignition key.
- Driver's affidavit
- Original complaint sheet
- Alarm sheet
- Certificate of non-recovery for 90 days
- Original CR and OR, and the ignition key
What a settled claim looks like
Bethel agrees the amount with you, 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 a claim is denied, the IC standard Private Car Policy (official source) calls for mediation first and gives one year from the denial to sue.

Documents to have ready

8 of 8 still to gather

Copy of the policy with official receipt and endorsement
Original police or barangay incident report
Driver's licence with official receipt
Certificate of registration with official receipt
Photos of the damage and the whole car from at least 4 angles, plate visible
Repair estimates from at least two Bethel-accredited shops
Stencils of the motor and serial numbers
Original certificate of no claim from the other driver's insurer (third-party property damage)

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.

Bethel Insurance contact

Claims hotline: 0948-935-9950
Email: claims@bethelgen.com
Address: Unit 200, 2nd Floor, Valero Plaza, 124 Valero Street, Salcedo Village, Makati City 1227

About Bethel Insurance

Founded: 1961

Bethel Insurance questions

Is Bethel General Insurance now Bethel Life and General?

Yes. The Insurance Commission lists Bethel Life and General Insurance Corporation, formerly Bethel General Insurance and Surety Corporation, as a composite insurer on its list of 31 August 2026 (official source).

Its Certificate of Authority 2026/07-O runs from 2 July 2026 to 31 December 2028.

Is Bethel insurance good?

Bethel holds Insurance Commission Certificate of Authority 2026/07-O and has written non-life insurance since 1961, first as BF General Insurance. It sells through licensed agents rather than online.

Choose Bethel if you prefer buying through an agent and can get two accredited-shop estimates for a claim; otherwise pick an insurer with an online quote from the car insurance directory.

What does Bethel car insurance cover?

CTPL, loss or damage to your car including theft, and excess liability to third parties. Acts of nature and passenger accident cover cost extra.

Here is how acts of nature cover works.

What is Bethel Insurance's contact number?

The Makati head office is on (02) 8817-2002 to 2005. Motor claims go to 0948-935-9950 or claims@bethelgen.com.

How many repair estimates does a Bethel claim need?

Two, from Bethel-accredited shops, for own damage and third-party property damage claims. The full sequence for any insurer is in how to file a car insurance claim.

What happens if I skip Bethel's acts of nature extension?

Flood, typhoon, earthquake and volcanic eruption damage is then not covered. Bethel's motor page (official source) sells acts of nature only as an extension for extra premium, and the IC standard Private Car Policy (official source) excludes it from the base cover.

On a claim near a storm or flood, you must show the loss arose apart from the excluded event. See acts of nature cover before deciding.

Sources

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