Country Bankers Insurance Comprehensive Car Insurance
Country Bankers Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱15,000/year. With over 58 accredited repair shops and 16 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 12 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱7 million.
Quick Facts
Coverage Type
Comprehensive
Premium Range
₱15,000–₱58,000/year
Coverage Details
- Loss of use allowance of ₱1,500/day for up to 12 days
- Riot, strike, and civil commotion coverage
- Personal accident coverage for driver and up to 8 passengers
- Glass breakage and windshield repair coverage
Claims Process
Filing a claim with Country Bankers Insurance involves 6 steps. First, report the incident within 24 hours by calling (02) 8953-1983 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 10 business days after approval.
Pros & Cons
Pros
- Accredited in over 6 repair shops across the Philippines
- 24/7 customer hotline with average hold time under 9 minutes
- Quick approval for minor claims under ₱336,000
- Online policy management and renewal portal available
- Coverage extends to natural calamities common in PH
Cons
- Online portal lacks some features available in-app only
- Depreciation rate of 14% per year on vehicle valuation
- No coverage for vehicles older than 15 years
- Processing time can reach 5 days for major claims