In short
The IC standard Private Car Policy (official source), used since 1 July 2023, excludes flood from own damage, and CTPL never pays for your own car. The IC motor tariff (official source) sets the AON minimum rate at 0.50% of the car's insured value.
Own damage and theft run from 1.25% to 3.75%, rates as of 1 January 2015. Each flood claim still carries a deductible of at least ₱2,000.
- Flood under the base policy
- Excluded from own damage (General Exception 3)
- Cover that adds it
- Acts of Nature endorsement
- AON tariff rate
- 0.50% minimum of the insured value (IC Motor Car Tariff, as of October 2026)
- Driving after the flood
- Further damage excluded (Condition 3)
- Deductible
- 0.50% of insured value, minimum ₱2,000, per loss
- Declared calamity
- Faster claims and longer notice periods (IC CL 2025-21, from 13 November 2025)
Does car insurance cover flood damage?
Only with Acts of Nature. General Exception 3 of the IC standard wording removes flood, typhoon and other convulsions of nature from every section except CTPL.
AON puts them back.
BPI MS shows the mechanics in its own terms. For an additional premium, its FTHVEE endorsement deems the words "flood, typhoon, hurricane, volcanic eruption, earthquake" deleted from the exceptions.
The rest of the own damage section still applies: the deductible, parts depreciation and the insured value cap.
CTPL alone pays nothing toward your flooded car. The CTPL guide sets out what the compulsory cover does pay.
Choose AON if the car parks or travels where streets flood, because without it the whole repair is yours. Skipping it lowers the premium by at least the 0.50% tariff line, and every flood loss then falls on you.
Compare the add-on across insurers in the acts of nature guide.
| Policy | Your flooded car | Third parties hurt in a flood-related accident |
|---|---|---|
| CTPL only | Not paid | Paid up to ₱200,000 |
| Own damage and theft, no AON | Not paid | Paid by CTPL |
| Own damage and theft with AON | Paid up to the insured value, less the deductible | Paid by CTPL |
How insurers sell flood cover
Most insurers treat AON as an add-on that needs an extra premium. Cocogen says it is not part of every motor policy and needs approval and an additional premium.
Bethel calls it an optional extension. Standard's Car Protect brochure lists AON among its covers, up to the sum insured.
The matrix below and the insurer directory show each insurer's stated terms.
| Insurer | How AON is offered |
|---|---|
| Standard Insurance, Car Protect | Listed as a cover, up to the sum insured |
| Malayan, AutoMaster | Listed as a feature; flood, typhoon and earthquake named |
| Cocogen, Auto Excel Plus | Needs approval and an additional premium |
| Bethel | Optional extension for an additional premium |
| BPI MS | FTHVEE endorsement for an additional premium |
| OONA | May need to be added on basic plans |
| Pioneer | Extension under its comprehensive cover |
What each insurer covers
| Coverage |  Alliedbankers Insurance |  Alpha Insurance |  Asia Insurance Philippines |  Asia United Insurance |  AXA Philippines |  Bethel Insurance |  BPI MS |  Cibeles Insurance |  Cocogen Insurance |  Commonwealth Insurance |  Corporate Guarantee Insurance |  Country Bankers Insurance |  FGen Insurance (Fortune General) |  FPG Mercantile |  Liberty Insurance |  Malayan Insurance |  Oona Insurance |  Pacific Union Insurance |  Paramount Insurance |  Petrogen Insurance |  PGA Sompo |  PhilFirst Insurance |  Pioneer Insurance |  Prudential Guarantee |  SGI Philippines |  Standard Insurance |  Sterling Insurance |  Stronghold Insurance |  Travellers Insurance |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Own damage and theft | Included | Included | Not listed | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Not listed | Included | Included | Included | Included | Not listed | Not listed | Included | Included | Included | Included | Included | Included | Included | Included |
| Excess bodily injury | Included | Not listed | Not listed | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Not listed | Included | Included | Included | Included | Not listed | Not listed | Optional | Included | Included | Included | Included | Not listed | Optional | Included |
| Third-party property damage | Included | Not listed | Not listed | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Included | Not listed | Not listed | Optional | Included | Included | Included | Included | Not listed | Optional | Included |
| Auto personal accident | Included | Included | Not listed | Not listed | Included | Optional | Included | Included | Included | Included | Included | Included | Optional | Included | Not listed | Included | Included | Not listed | Included | Not listed | Not listed | Included | Included | Not listed | Included | Included | Included | Not listed | Optional |
| Acts of nature | Optional | Not listed | Not listed | Not listed | Optional | Optional | Optional | Not listed | Optional | Not listed | Not listed | Not listed | Optional | Included | Not listed | Not listed | Optional | Optional | Optional | Not listed | Not listed | Included | Optional | Not listed | Included | Not listed | Not listed | Not listed | Optional |
| Riot, strike and civil commotion | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Included | Not listed | Included | Optional | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed |
| Roadside assistance | Included | Included | Not listed | Not listed | Optional | Not listed | Included | Not listed | Included | Not listed | Not listed | Not listed | Not listed | Included | Not listed | Included | Included | Not listed | Not listed | Not listed | Included | Included | Included | Included | Not listed | Included | Not listed | Not listed | Not listed |
| Loss of use | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Optional | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Optional | Optional | Not listed | Not listed | Not listed | Not listed | Not listed | Optional | Not listed | Not listed | Included | Not listed | Not listed | Not listed |
Flood claim do's and don'ts from the policy wording
The policy sets the rules for the hours after a flood. None of them mention water depth.
They are about not adding to the damage and telling the insurer early.
| Do or don't | What the wording says | Where |
|---|---|---|
| Don't drive the car before repairs | Any extension of the damage, or further damage, is excluded | IC standard policy, Condition 3 |
| Don't leave it without precautions | The car must not be left unattended without steps to prevent further loss | IC standard policy, Condition 3 |
| Do notify the insurer early | Notice as soon as possible, with full particulars, in writing or another accepted means | IC standard policy, Conditions 2 and 4 |
| Do have it towed | Reasonable towing to the nearest repairer is paid, up to your towing limit | IC standard policy, Section III, item 5 |
| Do get it cleaned fast | Tow to the nearest accredited shop for immediate cleaning and detailing | Pioneer claims requirements |
| Don't claim tyres alone | Tyre damage is not paid unless the car is damaged at the same time | Exception 3 to Section III |
OONA's own guide names "negligence after the incident" as a common exclusion on Acts of Nature claims.
How to file a flood claim
A flood claim follows the own damage route with one extra form at some insurers. The claims guide covers the parts every motor claim shares.
- Before step 1
- AON printed on your policy schedule, and photos of the flooded car where it stopped
- Done when
- The insurer approves the repair estimate or makes a cash offer
- Report the flood
Give the date, the place and where the car now sits. The standard wording asks for notice as soon as possible.
- Arrange the tow
Use the insurer's towing or a tow to the nearest repairer. Towing is paid up to the limit on your schedule.
- Complete the report form
Standard Insurance asks for an AON questionnaire on acts of nature claims. BPI MS and Standard both use a motor accident report form.
- Submit the documents
Pioneer asks for three general documents on a flood claim: an accident report or affidavit, the licence, and the CR with current OR.
- Approve the estimate
You may authorise repairs within the Authorized Repair Limit on your schedule. Send the insurer a detailed estimate without delay.
6 of 6 still to check
When a state of calamity is declared
IC Circular Letter 2025-21 (official source) applies once a national or local state of calamity is declared. Insurers must speed up processing, approval and payment of disaster claims.
They must also relax procedures and document requirements and give more time to file claim notices.
Outside a calamity, Insurance Code, Sec. 249 (official source) sets the payment clock. The insurer pays within 30 days after receiving proof of loss and ascertaining the amount.