Cibeles Car Insurance

What Cibeles Insurance sells

Buy through: Online CTPL at ctpl.cibeles.com.ph, Head office in Binondo, Manila, Branches in Angeles, Cagayan de Oro, Cebu, Davao, General Santos and Lipa, Makati service office.

How to file a Cibeles Insurance claim

1. Before you call, have these ready

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

2. Tell Cibeles as soon as possible

   The IC standard Private Car Policy (official source) asks for notice as soon as possible, with full details. Call the head office at +63 (2) 8242-1631 to 40, email info@cibeles.com.ph, or go to the branch that issued your policy. For a carnapped car, tell the police at once too.

3. Do not drive the damaged car

   Further damage from driving the car before repair is excluded under the standard policy. You may settle with the other party on the spot up to ₱5,000 without the insurer's consent; above that, ask first.

4. Send the standard motor claim documents

   IC Circular Letter 2020-92 (official source) sets the motor claim list every insurer uses; an affidavit can stand in for a police report for own damage and property damage.

   • Claim form
   • Affidavit of the accident or police report
   • Photos of the damage with the plate number visible
   • Repair estimate
   • Driver's licence and its official receipt
   • Certificate of registration and official receipt
   • Certificate of no claim from the other driver's insurer (third-party claims)
5. What a settled claim looks like

   Cibeles 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.

Cibeles Insurance contact

Phone

+63 (2) 8242-1631 to 40

Email

info@cibeles.com.ph

Address

6th Floor State Centre Bldg., 333 Juan Luna Street, Binondo, Manila