Malayan Car Insurance

Q: How much is Malayan car insurance?

Malayan prices AutoMaster per car through its online quote, from the car's value. The IC motor tariff sets own damage and theft at 1.25% to 3.75% of value (tariff as of 1 January 2015). Run your car's numbers in the premium calculator.

Malayan Insurance Company, Inc.

By Aditya AmanPublished Oct 3, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.

Malayan's private car policy is AutoMaster (official source), for cars up to 8 years old, with a fixed participation fee of ₱3,000 on sedans and hatchbacks and ₱4,000 on SUVs, crossovers and pick-ups (AutoMaster page, October 2026). Claims go to (02) 8628-8628, csc@malayan.com or the online claims form (official source); roadside help runs through its CAMILLE line. It ranked 3rd among non-life insurers by 2025 gross premiums (official source) (all lines, unaudited, IC table of 5 February 2026).

Call (02) 8628-8628 Get an online quote Official site

Licensed by the Insurance Commission, Certificate of Authority 2025/12-R, on the IC list of licensed insurers as of 31 August 2026 (official source).

What Malayan Insurance sells

AutoMaster

Own damage and theft, up to the car's insured value
Fixed participation fee: ₱3,000 (sedan, hatchback) or ₱4,000 (SUV, crossover, pick-up) per claim, AutoMaster page, October 2026
Acts of nature: flood, typhoon and earthquake
Riots, strikes and civil commotion
Auto personal accident for you and your passengers
Third-party excess bodily injury, on top of CTPL
Third-party property damage
Loss of use (add-on)
CAMILLE roadside assistance
MediMate telemedicine for the principal policyholder
Not covered: ordinary wear and tear, personal belongings taken from the car, damage beyond the policy limits (AutoMaster FAQ (official source))

CTPL

Third-party death and bodily injury, up to ₱200,000 per IC Memorandum Circular 2024-01

MotoOne

Motorcycle insurance

Buy through: Online quotation tool, Accredited Malayan agents, Malayan's 35 branches and service offices.

Malayan Insurance coverage at a glance

Own damage and theft: Included. Repairs, or replacement up to the insured value. Participation fee ₱3,000 for sedans and hatchbacks, ₱4,000 for SUVs, crossovers and pick-ups (AutoMaster page (official source), October 2026).
Excess bodily injury: Included
Third-party property damage: Included
Auto personal accident: Included. Medical expenses for you and your passengers.
Riot, strike and civil commotion: Included
Roadside assistance: Included. CAMILLE, (02) 8459-4702 or 0917-118-0320 (Viber), day and night: towing up to ₱4,000, minor roadside repair up to ₱2,000, vehicle removal up to ₱8,000, travel assistance up to ₱1,000 (AutoMaster page, October 2026).
Loss of use: Optional. Add-on: up to ₱1,000 a day for 15 days, from the 4th day after you report the claim or leave the car at the shop (AutoMaster brochure 2024 (official source)).

Compare every insurer.

How to file a Malayan Insurance claim

Before you call, have these ready
Your policy details, the driver's licence and official receipt, the car's certificate of registration and official receipt, and photos of the damage with the plate number showing.
Tell Malayan straight away
The AutoMaster policy jacket (official source) asks for notice as soon as possible, with full details. Call (02) 8628-8628, email csc@malayan.com or use the online claims form (official source). For a carnapped car, tell the police at once too.
Make no offer or admission
Do not admit fault, offer or pay anything to the other party. The policy jacket requires Malayan's written consent first. Do not drive the damaged car: further damage from driving it before repair is excluded.
Send the documents for your claim type
Malayan's claim process page (official source) lists separate sets for own damage, third-party property damage, carnapping and bodily injury. A notarized affidavit of accident can stand in for the police report.
- Original police report or notarized affidavit of accident
- Stencils of the motor and chassis numbers
- Photocopy of the driver's licence and its official receipt
- Photocopy of the certificate of registration and official receipt
- Colour photos of the damage showing the plate number
For a carnapped car, add the theft papers
Report the carnapping to the police as well. Malayan then needs the theft documents on top of the basic set.
- Bank certificate on the outstanding loan
- Complaint and alarm sheets
- Original certificate of non-recovery
- Deed of sale and release of chattel mortgage, if any
- All car keys
What a settled claim looks like
Malayan agrees the amount, then pays or approves the repair. The Insurance Code, Sec. 249 (official source) requires payment within 30 days after proof of loss is received and the loss is agreed. If Malayan rejects the claim, the jacket gives you twelve months from the rejection to sue.

Documents to have ready

7 of 7 still to gather

Original police report or notarized affidavit of accident
Stencils of the motor and chassis numbers
Driver's licence and official receipt (photocopy)
Certificate of registration and official receipt (photocopy)
Colour photos of the damage showing the plate number
Shop repair estimate (third-party property damage)
Original certificate of no claim from the other driver's insurer (third-party claims)

Before you buy

Ask whether acts of nature (flood, typhoon, earthquake) is in your quote. The IC standard Private Car Policy (official source) excludes it unless added as an optional cover.
Check the participation fee in the coverage list above. The IC motor tariff (official source) default is 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.

Malayan Insurance contact

Claims hotline: (02) 8628-8628
Phone: (02) 8459-4702 (CAMILLE roadside)
Email: csc@malayan.com
Address: 4F Yuchengco Tower I, 484 Quintin Paredes St., Binondo, Manila

About Malayan Insurance

Founded: 1930
Group: Yuchengco Group of Companies

Malayan Insurance questions

Is Malayan car insurance good?

Malayan holds Insurance Commission Certificate of Authority 2025/12-R, on the IC list of 31 August 2026 (official source), and has written insurance since 1930. It ranked 3rd among non-life insurers by gross premiums (all non-life lines, 2025, unaudited).

Choose AutoMaster if your car is 8 years old or newer and you want a fixed peso participation fee; for an older car, call (02) 8628-8628 before comparing others in the car insurance directory.

How much is Malayan car insurance?

Malayan prices AutoMaster per car through its online quote (official source), from the car's value. The IC motor tariff (official source) sets own damage and theft at 1.25% to 3.75% of value (tariff as of 1 January 2015).

Run your car's numbers in the premium calculator.

What is the participation fee on Malayan AutoMaster?

₱3,000 per claim for private cars such as sedans and hatchbacks. ₱4,000 for SUVs, crossovers and pick-ups (AutoMaster page (official source), October 2026).

You pay it on each own-damage claim; the rest is Malayan's to pay.

How old can my car be for Malayan AutoMaster?

AutoMaster takes private cars up to 8 years old. For an older car, Malayan asks you to call (02) 8628-8628.

Malayan vs Standard Insurance: what is the difference?

Malayan charges a fixed ₱3,000 participation fee and tows up to ₱4,000 per call (AutoMaster page, October 2026). Standard Insurance tows up to ₱5,500 per event and pays loss of use at ₱500 a day (Standard's CarProtect brochure).

Choose Malayan if you want loss of use at up to ₱1,000 a day; choose Standard if towing distance matters more.

How do I pay for a Malayan policy?

Online by credit or debit card, GCash or Maya, or in cash at any Malayan branch.

Can I cancel a Malayan car policy and get a refund?

Yes, if you have made no claim in the current policy period. The AutoMaster policy jacket (official source) refunds on short-period rates: Malayan keeps 20% of the premium after 1 month, 50% after 4 months and 95% after 11 months.

The documentary stamp tax is not refunded. If you cancel CTPL, a replacement policy must be filed with the LTO within 5 working days.

Line up the new policy first: how to switch insurance providers.

Sources

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