In short
So loss of use comes only as an insurer add-on or plan feature. Malayan's AutoMaster brochure (2024) (official source) pays up to ₱1,000 a day for up to 15 days.
Standard's Car Protect pays ₱500 a day for up to 15 days, and Pioneer's 2022 product sheet up to ₱7,500 per accident.
- In the IC standard policy
- No; consequential loss is excluded
- How it is sold
- Insurer add-on or plan feature
- Malayan AutoMaster
- Up to ₱1,000 a day, 15 days, from day 4 (2024 brochure)
- Standard Car Protect
- ₱500 a day, 15 days, from day 4 of repairs (product page, October 2026)
- Pioneer
- Up to ₱7,500 per accident (2022 product sheet)
- Trigger
- Repairs after a loss the policy covers
What loss of use means in car insurance
Loss of use is a transport allowance. It pays for taxis, ride-hailing or a replacement ride while your car is repaired after a covered accident.
The repair itself is paid under own damage.
The IC standard Private Car Policy, adopted by IMC 2022-02 (official source), has no loss of use clause. Its Section III exceptions remove consequential loss, and days without a car are exactly that.
Insurers sell the cover back as an add-on or fold it into a richer plan.
- What it pays
- Transport while the car is in the shop
- What triggers it
- Repairs for damage the policy covers
- What it leaves out
- The repair bill, which own damage pays
- Where it sits
- Add-on or plan feature; not in the IC standard wording
Loss of use limits: Malayan, Standard, Pioneer and OONA
Daily amounts, day caps and start dates differ, so compare all three before you buy. Each row below is the insurer's own stated term, with the document's date.
Standard's figures come from its Car Protect page (official source), Pioneer's from its 2022 motor product sheet (official source). The insurer directory shows which other covers each one sells.
| Insurer | Benefit | Limit | Starts |
|---|---|---|---|
| Malayan, AutoMaster add-on | Up to ₱1,000 a day | 15 days, ₱15,000 at most | Day 4 after you report or leave the car at the shop |
| Standard Insurance, Car Protect | ₱500 a day | 15 days, ₱7,500 at most | Day 4 of repairs |
| Pioneer, 2022 product sheet | Actual transport expenses | Up to ₱7,500 per accident | – |
| OONA, add-on (October 2026) | Replacement ride or travel allowance | Up to 3 days | When the car is towed and held at the shop |
| Cocogen, Turbo Shield bundle | Loss of use cover | – | – |
| Pioneer EV One | Loss of use for electric cars | – | – |
Choose a daily-rate add-on such as Malayan's if a long repair is your worry, because it pays up to ₱15,000. For repairs of 3 days or less, neither Malayan's nor Standard's benefit pays anything.
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 |
Worked example: 10 days in the shop under each insurer's terms
Count paid days from the insurer's start date, not from the accident. Under Malayan's terms, a car in the shop for 10 days from the report earns 7 paid days: days 4 to 10.
At up to ₱1,000 a day, that is up to ₱7,000.
The same 10 days under Standard's terms pays days 4 to 10 of repairs at ₱500, so ₱3,500. Pioneer's cap is per accident, so a long repair stops at ₱7,500 whatever the day count.
| Days in the shop | Malayan | Standard | Pioneer |
|---|---|---|---|
| 3 | ₱0 | ₱0 | Actual costs up to ₱7,500 |
| 10 | Up to ₱7,000 | ₱3,500 | Actual costs up to ₱7,500 |
| 18 | Up to ₱15,000 | ₱7,500 | Actual costs up to ₱7,500 |
| 30 | Up to ₱15,000 | ₱7,500 | Actual costs up to ₱7,500 |
Short repairs of 3 days or less earn nothing under Malayan's and Standard's terms, because both start paying on day 4. Ask the shop for its estimated repair days before you choose the add-on.
How to claim loss of use alongside the own damage claim
Loss of use rides on the main own damage claim. If that claim is denied, the allowance falls with it, and the transport costs stay yours.
The claims guide covers the main claim.
- Before step 1
- Loss of use printed on your policy schedule, plus the own damage claim reference
- Done when
- The insurer pays the allowance with or after the repair settlement
- File the own damage claim
Report the accident and leave the car at the shop. Malayan counts its days from the report or the shop drop-off.
- Keep transport receipts
Pioneer reimburses actual transport expenses, so receipts carry the claim. Malayan's brochure also describes its benefit as a reimbursement.
- Send them with the repair dates
Give the insurer the shop's intake and release dates with the receipts. It pays within the daily and total caps.