What is own damage in car insurance?

Own damage is the cover that pays for your own car after an accident, fire, lightning or a malicious act. It is Section III of the IC standard Private Car Policy.

What does own damage insurance cover?

Collision, overturning, fire, external explosion, self-ignition, lightning, malicious acts and damage in transit. Theft sits in the same section; floods need Acts of Nature.

Is own damage the same as comprehensive insurance?

No. A comprehensive policy bundles own damage with theft, excess bodily injury and property damage. Own damage is the part that pays for your car.

Does car insurance cover glass breakage?

Yes, under own damage when the glass breaks in a collision or by a malicious act. Depreciation applies to new glass on cars over 3 years old unless your insurer waives it.

Does own damage cover fire?

Yes. Fire, external explosion, self-ignition and lightning are all named own damage perils in the IC standard policy.

How much is the deductible on an own damage claim?

The IC standard policy sets 0.50% of the insured value, with a ₱2,000 minimum, per loss. Malayan's AutoMaster uses a fixed ₱3,000 or ₱4,000 depending on body type. Compare deductibles across insurers in the insurer directory.

Own Damage Car Insurance Philippines 2026: What It Covers

In short

Under the IC standard Private Car Policy (official source), required since 1 July 2023, it covers collision, overturning, fire, lightning, explosion, malicious acts and damage in transit. Each claim carries a deductible of 0.50% of the insured value, with a ₱2,000 minimum.

The IC motor tariff (official source) rate for own damage and theft is 1.25% to 3.75% of the car's value, as of 1 January 2015.

Policy section: Section III, Loss or Damage (IC standard policy, IMC 2022-02)
Most it pays: Your estimate of value on the policy schedule
Deductible: 0.50% of insured value, minimum ₱2,000, per loss (IC standard policy, from 1 July 2023)
Parts depreciation: 0% up to 3 years; 20% to 40% after; 45% on batteries, tyres and suspension parts
Tariff rate with theft: 1.25% to 3.75% of value (IC tariff, 1 January 2015)
Not covered: Wear and tear, breakdowns, tyres alone, floods without AON

What own damage covers

Own damage, often written OD, is Section III of the IC standard policy. It pays for loss of or damage to your car, plus its accessories and spare parts while fitted.

The insurer chooses whether to pay cash, repair, reinstate or replace.

CTPL never pays for your own car. Adding own damage and theft is what turns a CTPL-only policy into comprehensive cover.

Natural disasters stay out unless you add Acts of Nature.

Perils in Section III of the IC standard policy (in force since 1 July 2023)
Peril	Example	Paid
Accidental collision or overturning	Hitting a post, a rollover, a crash after a mechanical breakdown	Yes
Fire, external explosion, self-ignition	Engine bay fire, fire spreading from another car	Yes
Lightning	A strike while parked	Yes
Burglary, housebreaking, carnapping	The theft part of Section III	Yes
Malicious act	Paint keyed or windscreen broken by a stranger	Yes
Transit	Damage while carried by road, rail, inland waterway, lift or elevator	Yes
Flood, typhoon, earthquake	Natural disasters	Only with Acts of Nature

Glass breakage and fire damage

The standard wording has no separate glass section. A windscreen or window broken in a collision or by a malicious act is an own damage claim.

On cars over 3 years old, parts depreciation applies to the new glass. Cocogen (official source) sells a Turbo Shield add-on that waives depreciation on windshield and window glass.

Fire sits in the same clause as external explosion and self-ignition. The IC tariff, as of 1 January 2015, also lists a fire-only cover for owners who want less than full own damage.

Windscreen broken in a collision: Own damage, less deductible and parts depreciation
Windscreen broken by vandalism: Own damage, as a malicious act
Glass depreciation waiver: Cocogen Turbo Shield add-on
Fire, explosion, self-ignition: Named Section III perils
Fire-only cover: Listed in the IC motor tariff

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

How an own damage claim is paid

Three numbers decide the payout: the insured value, the deductible and your depreciation share on parts. The insured value on your schedule is the most the insurer pays on any claim.

The deductible comes off every loss, per vehicle.

Malayan AutoMaster (official source) uses a fixed participation instead, as of October 2026: ₱3,000 for a sedan or hatchback, ₱4,000 for an SUV, crossover or pick-up. On a total loss, depreciation does not apply.

Choose a fixed ₱3,000 participation if your sedan is insured above ₱600,000, because 0.50% of that value is more than ₱3,000. Otherwise the standard deductible costs you less per claim.

Your share of new parts by car age (IC standard policy, from 1 July 2023)
Age of car	Your share
Up to 3 years	0%
Over 3 up to 4 years	20%
Over 4 up to 5 years	25%
Over 5 up to 6 years	30%
Over 6 up to 7 years	35%
Over 7 years	40%
Batteries, tyres, ball joints, tie rods, shock absorbers (cars over 3 years)	45%

Example: a car aged 4 years and 6 months, insured at ₱800,000, needs ₱30,000 of new parts. Deductible: 0.50% of ₱800,000 is ₱4,000. Depreciation: 25% of ₱30,000 is ₱7,500. You carry ₱11,500 and the insurer pays ₱18,500.

Making an own damage claim

If the car cannot be driven, the insurer pays reasonable towing to the nearest repairer, up to the towing limit on your schedule.

You may authorise a repair yourself when the estimate is within the Authorized Repair Limit and you send it without delay. The claims guide covers hotlines and timelines.

Report the accident
Notify the insurer as soon as possible with full particulars. Keep the car off the road until it is repaired, because Condition 3 excludes further damage from driving it.
Gather the papers
Malayan's own damage list is typical of the market.
- Police report or notarized affidavit of accident
- Stencils of motor and chassis numbers
- Driver's licence and its OR
- Certificate of registration and OR
- Colour photos showing the plate
Send the estimate
Forward the shop's detailed estimate. Work within your Authorized Repair Limit can start on your own approval. Anything above that limit needs the insurer's approval first.
Settle your share
Your share is the deductible plus any parts depreciation. The insurer pays the rest of the approved cost. The claim is closed when the shop releases the repaired car.

4 of 4 still to check

Your policy number and the insurer's claims hotline
Police report or notarized affidavit of the accident
Certificate of registration, driver's licence and their ORs
Photos of the damage showing the plate

What own damage does not pay

Section III excludes consequential loss, depreciation, wear and tear, and mechanical or electrical breakdowns. Tyre damage is paid only when the car is damaged in the same event.

Malicious damage by you, your family or your staff is excluded, under the same Section III.

The general exceptions apply on top. There is no cover outside the Philippines, on an inter-island sea vessel, or with an unauthorised driver at the wheel.

Using the car for hire, racing or hauling sand, logs or fuel breaks the limits on use. Malayan's FAQ adds personal belongings taken from the car.

For a stolen car, the theft guide explains the claim.

Own Damage Car Insurance in the Philippines (2026): Meaning, Coverage and Claims