Liberty Car Insurance
Liberty Insurance Corporation
By Aditya AmanPublished Oct 3, 2026Updated Oct 4, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.Liberty Insurance Corporation, a Makati non-life insurer since 1953, sells one Motor Car Insurance (official source) policy. It pays for direct loss of or damage to your car plus third-party death, injury and property damage. Quotes and claims both start from forms on its own site.
Licensed under Certificate of Authority 2025/23-R, on the Insurance Commission list of 31 August 2026 (official source). Not related to the US insurer Liberty Mutual.
What Liberty Insurance sells
Motor Car Insurance
- Direct loss of or damage to the insured vehicle
- Death of or bodily injury to a third party caused by the car
- Damage to a third party's property caused by the car
Vehicle classes
- Private car: any four-wheeled vehicle, such as a sedan or SUV, used only for private, social, business or professional purposes
- Commercial vehicle
- Motorcycle
- Land transportation operators
Buy through: The Get A Quote form on Liberty's site (category: Insurance Application), Branches in North Luzon, NCR, South Luzon, Visayas and Mindanao.
Liberty Insurance coverage at a glance
- Third-party property damage
- Included. Named in Liberty's Motor Car Insurance definition
How to file a Liberty Insurance claim
- Open Liberty's online claim form
The form is on Liberty's claims page (official source). Policy number, name and email are required fields, so have the policy schedule open first.
- Describe the loss and attach files
Write what happened, where and when in the message box. Attach photos of the damage and your papers in the same form.
- Follow up by phone if you hear nothing
Call the head office on (02) 8819-1961 to 8819-1966 and quote your policy number.
Before you buy
- Ask whether acts of nature (flood, typhoon, earthquake) and riot, strike and civil commotion are in your quote. The IC standard Private Car Policy (official source) excludes them unless added as an optional cover.
- Ask for the participation (deductible) in writing. Unless the insurer states its own figure, the IC motor tariff (official source) sets the higher of ₱2,000 or 0.5% of the sum insured.
- Parts are depreciated on own-damage claims once the car is over 3 years old, from 20% up to 40% by age, under the standard policy (official source). A total loss is settled differently.
- Tell the insurer as soon as possible after an accident, with full details, and keep every claim document. For carnapping, the policy (official source) also asks for immediate notice to the police.
- If the car is financed, name the bank as mortgagee: how to insure a financed vehicle.
- Your policy schedule and wording decide what is paid. For a dispute the insurer cannot settle, the Insurance Commission's public assistance desk takes complaints: how to file a claim.
Liberty Insurance contact
- Address
- JCS Building, 119 Dela Rosa corner Carlos Palanca Sts., Legaspi Village, Makati City
About Liberty Insurance
- Founded
- 1953
Liberty Insurance questions
How much is the Liberty car insurance premium?
Liberty prices each car after a quote request. The IC motor tariff (official source), in force since 1 January 2015, rates private-car own damage and theft at 1.25% to 3.75% of the car's value.
On a ₱900,000 car that is ₱11,250 to ₱33,750 a year before taxes. Acts of nature start at 0.50% more.
Work through a premium with your own quote.
How much is TPL or CTPL insurance with Liberty?
No insurer sets its own CTPL price. CTPL costs ₱560 a year for a private car and ₱250 for a motorcycle, taxes included.
Those premiums come from IC Memorandum Circular 4-2006 (official source), still in force in 2026. The CTPL guide covers the ₱200,000 limit.
What is Liberty Insurance's hotline?
The Makati head office takes calls on (02) 8819-1961 to 8819-1966, per Liberty's contact page (official source). Mobile lines are 0917-624-9312, 0917-124-5373, 0917-129-2003 and 0917-124-9280.
Email info@libertyinsurance.com.ph.
How do I file a Liberty car insurance claim?
Use the claim form on Liberty's site: policy number, name, email, contact number, a message and attachments. The form will not send without the policy number.
The claim guide lists the police report, licence and registration papers most motor claims need.
What counts as a private car for Liberty?
Any four-wheeled vehicle, such as a sedan or SUV, used only for private, social, business or professional purposes. Other insurers are on the car insurance hub.
