In short
Towing caps in each insurer's own terms, as of October 2026, run from ₱3,500 at BPI MS to ₱8,000 at OONA. Standard pays up to ₱15,000 to remove a car with a crane.
Fuel delivered to you is paid by you.
- How you get it
- With a comprehensive policy; AXA sells it as an upgrade
- Highest towing cap
- ₱8,000 per event (OONA)
- Highest crane removal cap
- ₱15,000 per event (Standard Insurance)
- Limit on breakdown calls
- 3 breakdown calls a year at OONA, BPI MS and Cocogen; OONA does not count accident calls
- Fuel
- Delivered free, but the fuel itself is yours to pay
- Kilometre limits
- None stated by any insurer; caps are in pesos
Roadside assistance by insurer: hotlines and peso caps
Every figure below is a cap per event from the insurer's own programme terms, as listed in October 2026. A cap in pesos means the provider tows as far as the money covers, and you pay any excess.
A dash means the insurer gives no figure for that service.
| Insurer and programme | 24/7 hotline | Towing | On-site repair | Vehicle removal | Who qualifies |
|---|---|---|---|---|---|
| OONA Road Assist (official source) | (02) 8459-4727 | ₱8,000; 3 breakdown calls a year | Battery, tyre, fuel, locksmith; misfuel ₱3,500 | ₱10,000 (crane) | Included from Auto Select up; optional on CTPL and Auto Liability |
| Standard Insurance SIEA (official source) | – | ₱5,500 | ₱5,500 | ₱15,000 (crane) | Comprehensive policyholders; cars up to 15 years and 3,500 kg; not for hire |
| Cocogen Trip Sagip (official source) | – | ₱5,000, 3 events a year | ₱5,000 | ₱12,000 | Auto Excel Plus policyholders |
| AXA Philippines | (+63) 2 8459 4735 | ₱5,000, accidents | Tyre, battery, jumpstart, fuel | – | Optional upgrade on AXA car insurance |
| Malayan CAMILLE (official source) | (02) 8459-4702; Viber 0917 118 0320 | ₱4,000 | ₱2,000 | ₱8,000 | AutoMaster policyholders |
| BPI MS Express Roadside Assistance (official source) | (02) 8459-4707 or 0917 116 3725 | ₱3,500; 3 breakdown events a year | ₱3,500 | ₱8,000 | Comprehensive motor cover; private cars up to 10 years and 3,500 kg |
| Prudential Guarantee | (02) 8459-4734 | To nearest repair shop | Tyre, battery, lockout, fuel | Retrieval | Privately used cars with comprehensive insurance |
| PGA Sompo Roadside Rescue (official source) | +63 917 562 2100 | – | – | – | Private cars with comprehensive cover |
BPI MS policies issued on or before 14 May 2025 use a different line: (02) 8687-8585. AXA policies that took effect before 15 November 2024 use (+63) 2 5318 8438.
Which roadside assistance is best for your car
Start with the programmes your car qualifies for. Then pick the highest cap on the service you are most likely to need.
Choose OONA if towing is your main worry, because its ₱8,000 cap is the highest. Otherwise, for a car that may need lifting out of a ditch, Standard's crane cap leads.
On the stated figures, OONA pays the most for a tow and Standard the most for a crane removal. Cocogen's hotel cap is the highest at ₱4,000 a night.
Age limits decide a lot. BPI MS stops at 10 years and Standard at 15, while Malayan's AutoMaster takes only cars up to 8 years old.
For an older car, the insurer finder filters insurers that list roadside cover. Long drives outside Metro Manila also call for the travel and hotel caps in the next table.
Once you have a shortlist, line up full quotes with how to compare car insurance quotes.
Find an insurer
29 of 29 insurers
| Insurer | Sells | Online | Roadside | Acts of nature | Claims hotline |
|---|---|---|---|---|---|
 Alliedbankers Insurance | Comprehensive, CTPL | CTPL | Included | Optional | Not listed |
 Alpha Insurance | Comprehensive | Not listed | Included | Not listed | 0927 740 3299 |
 Asia Insurance Philippines | Comprehensive | Not listed | Not listed | Not listed | Not listed |
 Asia United Insurance | Comprehensive | Not listed | Not listed | Not listed | (632) 8242-1688 |
 AXA Philippines | Comprehensive, CTPL | Quote | Optional | Optional | (02) 8459-4735 |
 Bethel Insurance | Comprehensive | Not listed | Not listed | Optional | 0948-935-9950 |
 BPI MS | Comprehensive, CTPL | Quote | Included | Optional | (02) 8840-9999 |
 Cibeles Insurance | Comprehensive, CTPL | CTPL | Not listed | Not listed | Not listed |
 Cocogen Insurance | Comprehensive, CTPL, RideGuard, Auto Passenger PA Protect | Quote | Included | Optional | (02) 8830-6000 |
 Commonwealth Insurance | Comprehensive | Not listed | Not listed | Not listed | Not listed |
 Corporate Guarantee Insurance | Comprehensive | Not listed | Not listed | Not listed | +63 918 854 2267 |
 Country Bankers Insurance | Comprehensive | Not listed | Not listed | Not listed | Not listed |
 FGen Insurance (Fortune General) | Comprehensive, CTPL | Not listed | Not listed | Optional | (02) 8991-0364 |
 FPG Mercantile | Comprehensive, CTPL | Quote | Included | Included | (02) 8859-1200 |
 Liberty Insurance | Comprehensive, Vehicle classes | Not listed | Not listed | Not listed | Not listed |
 Malayan Insurance | Comprehensive, CTPL, MotoOne | Quote | Included | Not listed | (02) 8628-8628 |
 Oona Insurance | Comprehensive, CTPL, Auto Liability | Quote | Included | Optional | (02) 8876-4400 |
 Pacific Union Insurance | Comprehensive | Quote | Not listed | Optional | Not listed |
 Paramount Insurance | Comprehensive | Quote | Not listed | Optional | (02) 8772-9225 |
 Petrogen Insurance | CTPL, Comprehensive | Not listed | Not listed | Not listed | (02) 8702-4972 |
 PGA Sompo | Comprehensive, CTPL | Not listed | Included | Not listed | +63 917 562 2100 |
 PhilFirst Insurance | Comprehensive, CTPL, Motor Car (business fleet) | Not listed | Included | Included | (02) 8892-8888 |
 Pioneer Insurance | Comprehensive, CTPL, EV One | Quote | Included | Optional | (02) 7750-5433 |
 Prudential Guarantee | Comprehensive, CTPL | Not listed | Included | Not listed | (02) 8806-6089 |
 SGI Philippines | Comprehensive, Commercial Vehicle Insurance, Motorcycle Insurance | Not listed | Not listed | Included | +63 2 8848 0188 |
 Standard Insurance | Comprehensive, CTPL, Motorcycle Protect, Truck Protect | Quote | Included | Not listed | (02) 8845-1111 |
 Sterling Insurance | Comprehensive | Not listed | Not listed | Not listed | Not listed |
 Stronghold Insurance | Comprehensive | Not listed | Not listed | Not listed | (02) 8891-1329 |
 Travellers Insurance | Comprehensive, Other motor classes | Quote | Not listed | Optional | 0917 129 9359 |
Hotel, onward travel and other benefits
Far from home, a breakdown that cannot be fixed the same day is covered too. Most programmes pay for a night's stay or for onward travel.
Standard pays these only if the car cannot be repaired within 24 hours and you are more than 25 km from home.
OONA's personal assistance, such as a hotel, starts 25 km from your residence, while its vehicle help starts at 0 km.
| Insurer | Hotel | Onward travel | Other |
|---|---|---|---|
| Cocogen | ₱4,000 a night, up to 2 nights | ₱3,000 per event | Referrals and personal assistance |
| OONA | ₱3,000 a night, up to 2 nights | Up to ₱3,000 | Key replacement ₱3,500; alternative driver, paid by you |
| Standard Insurance | ₱2,500 a night, up to 2 nights | Continuation of journey | Misfuel ₱3,000; key replacement ₱3,000 |
| BPI MS | ₱2,000 per event | ₱2,000 per event | Vehicle repatriation ₱2,000 |
| Malayan | – | ₱1,000 | – |
| Prudential Guarantee | Overnight stay outside Metro Manila | Alternative transport | Ambulance dispatch; message relay |
| AXA | – | – | LTO registration help in Metro Manila |
How to get roadside assistance when you break down
Call the programme's hotline, not a tow truck you find yourself. Standard reimburses only when you call its hotline at the time or within 24 hours.
A tow you arrange without that call is yours to pay. Coverage starts at 0 km from home at Standard and OONA, so a dead battery in your own driveway counts.
On an expressway, call the operator's patrol first: the numbers are on our emergency hotlines page.
- Get safe first
Pull over to the shoulder and turn on your hazard lights. On an expressway, the operator's patrol line is on the emergency hotlines page.
- Call the insurer's roadside line
Give your policy number, plate number, location and what is wrong.
- Policy number
- Plate number
- Stay within the caps
Towing goes to the nearest accredited repair shop. You pay anything above the peso cap, and for any fuel delivered.
- Keep receipts for reimbursement
Standard wants scanned documents at siea@standard-insurance.com within 30 days of the incident. Claims sent later fall outside its terms.
4 of 4 still to check
Where roadside assistance does not reach
Standard and OONA exclude nearly the same provinces in their programme terms, as of October 2026. Both exclude Basilan, Batanes, Camiguin, Catanduanes, Guimaras, Lanao del Sur, Maguindanao, Marinduque, Masbate, Romblon, Sarangani, South Cotabato, Sultan Kudarat, Sulu and Tawi-Tawi.
Lanao del Norte is excluded except Iligan City. Standard keeps General Santos City in cover, and OONA adds the Zamboanga provinces.
Driving in those provinces, you arrange and pay for any tow yourself, then claim policy towing after covered damage.
Is towing covered by car insurance?
Yes, in two ways. The roadside programme above handles breakdowns and tows within its peso caps.
Separately, the IC standard Private Car Policy (official source) pays the reasonable cost of protecting your car and moving it to the nearest repairer after covered damage.
That policy towing, part of the standard form since 1 July 2023, is limited by the towing amount printed in your schedule. File it with the accident claim, as in how to file a car insurance claim.