Liberty Insurance Comprehensive Car Insurance
Liberty Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱17,000/year. With over 64 accredited repair shops and 26 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 7 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱2 million.
Quick Facts
Coverage Type
Comprehensive
Premium Range
₱17,000–₱61,000/year
Coverage Details
- Fire and lightning damage protection
- Loss of use allowance of ₱1,500/day for up to 9 days
- Free towing up to ₱240,000 per incident
- Bodily injury liability up to ₱182,000 per person
- No-claim discount of up to 30% on renewal
Claims Process
Filing a claim with Liberty Insurance involves 6 steps. First, report the incident within 24 hours by calling (02) 8615-1138 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 7 business days after approval.
Pros & Cons
Pros
- Offers no-claim discount of up to 21% after 1 year
- Free annual vehicle inspection at partner service centers
- Provides courtesy car for up to 5 days during repairs
- Policy issuance within 10 hours for standard applications
- Quick approval for minor claims under ₱304,000
Cons
- No coverage for vehicles older than 19 years
- Online portal lacks some features available in-app only
- Customer service wait times average 12 minutes during peak
- Requires minimum 3 repair shop quotes for claims above ₱77,000