Insurance Guide Insurance

Glass Breakage Coverage Guide Philippines

Glass Breakage coverage protects Filipino car owners against specific losses, with typical limits ranging from ₱355,000 to ₱612,000. Approximately 50% of comprehensive policies in the Philippines include glass breakage protection. The Insurance Commission requires all providers to clearly disclose glass breakage terms, and 25 major insurers currently offer this as part of their standard or add-on packages.

Quick Facts

Coverage Type

Insurance Guide

Premium Range

₱5,000–₱13,000/year (add-on)

Coverage Details

  • 24/7 roadside assistance within 12 km radius
  • Glass breakage and windshield repair coverage
  • Authorized repair shops across 4 locations nationwide
  • Excess bodily injury up to ₱277,000

Claims Process

Filing a glass breakage claim requires photographic evidence taken within 24 hours and a police or barangay report. Submit all documents within 13 business days. The insurer's adjuster will assess damages within 3 working days, and approved claims are settled within 19 business days.

Pros & Cons

Pros

  • Provides courtesy car for up to 3 days during repairs
  • Coverage extends to natural calamities common in PH
  • Accredited in over 20 repair shops across the Philippines
  • Online policy management and renewal portal available
  • 24/7 customer hotline with average hold time under 15 minutes

Cons

  • Deductible starts at ₱305,000 for first-time claims
  • Depreciation rate of 20% per year on vehicle valuation
  • Limited provincial branch coverage outside Metro Manila (20 offices)
  • Online portal lacks some features available in-app only

Frequently Asked Questions

Can I transfer Glass Breakage coverage to a new owner?
Yes, Glass Breakage coverage can be transferred when you sell your vehicle by notifying the insurer within 15 days of the sale. A transfer fee of ₱140,000 to ₱4,000 typically applies. The new owner must submit their own valid ID and proof of ownership.
Is Glass Breakage coverage required by Philippine law?
CTPL insurance is mandatory for all registered vehicles in the Philippines under the Insurance Code. Glass Breakage coverage beyond CTPL is optional but highly recommended given that over 14% of Filipino car owners opt for additional protection. The Insurance Commission regulates all auto insurance products.
What is the claims ratio for Glass Breakage coverage?
The average claims settlement ratio for Glass Breakage coverage in the Philippines is approximately 15%, meaning 15 out of 100 filed claims are approved. The top 5 insurers maintain ratios above 45%. Claims are most commonly filed for own damage (4%) followed by theft (33%).
What is the average cost of Glass Breakage coverage in the Philippines?
The average cost of Glass Breakage coverage in the Philippines ranges from ₱5,000 to ₱43,000 per year depending on vehicle type and coverage level. Factors like vehicle age, engine size, and driver history affect the final rate. Most providers offer 3 or more payment installment options.
How do deductibles work for Glass Breakage coverage?
Deductibles for Glass Breakage coverage typically range from ₱14,000 to ₱78,000 per claim. Choosing a higher deductible of ₱78,000 can reduce your annual premium by 20%. First-time claims within the policy year usually carry the standard deductible amount.

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