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PhilFirst Car Insurance

Philippines First Insurance Company, Inc.

Aditya Aman, author and expressway expert based in Manila, PhilippinesBy Published Oct 3, 2026Updated Oct 4, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.

PhilFirst's comprehensive car policy is AutoFirst (official source): own damage and theft, acts of nature, driver and passenger accident cover, cashless repairs and 24/7 roadside help in one plan. Bodily injury above the CTPL limit and property damage are add-ons you tick separately. PhilFirst's own FAQ puts claims at 7 to 15 working days once documents are complete.

Call (02) 8892-8888Official site

Licensed as a non-life insurer on the Insurance Commission list of 31 August 2026 (official source); part of the PFI Group with PhilLife, PhilCare and PhilPlans.

What PhilFirst Insurance sells

AutoFirst

  • Own damage and theft: collision, overturning, fire, lightning, external explosion, self-ignition or theft
  • Acts of nature
  • Auto personal accident for the authorised driver and passengers
  • Third-party bodily injury above the CTPL limit (optional)
  • Third-party property damage (optional)
  • Cashless repairs
  • 24/7 roadside assistance

CTPL

Motor Car (business fleet)

  • Commercial vehicle fleets

Buy through: Get a quote form on the AutoFirst page, Shop Now page on philfirst.com.ph, PhilFirst agents and branches (also for CTPL).

PhilFirst Insurance coverage at a glance

Own damage and theft
Included
Excess bodily injury
Optional. Add-on above the CTPL limit.
Third-party property damage
Optional
Auto personal accident
Included. Authorised driver and passengers.
Acts of nature
Included. In the AutoFirst benefits list.
Roadside assistance
Included. For private cars up to 10 years old and up to 3,500 kg.

Compare every insurer.

How to file a PhilFirst Insurance claim

  1. Make sure everyone is safe

    PhilFirst puts safety first, before any paperwork.

  2. Tell PhilFirst straight away

    Notify your agent, or email claims@philfirst.com.ph, as soon as you can. The IC standard policy (official source) also asks for notice as soon as possible.

  3. Get a police report if needed

    Report to the police where the incident calls for it, and keep the report for your claim.

  4. Send the claim documents

    Use the list on PhilFirst's claim page (official source). Photos must show the plate and the damage in one frame, plus the scene. PhilFirst ties its 7 to 15 working days to complete documents.

    • Claim form
    • Notice or incident report
    • Policy
    • Your ID
    • Proof of ownership
    • Description of the incident
    • Itemised repair estimate with the estimator's contact
    • Photos of plate and damage, and of the scene
    • Police or incident report
    • OR/CR with readable engine and chassis numbers
    • Driver's licence front and back, with its OR

Documents to have ready

10 of 10 still to gather

Before you buy

  • Ask whether riot, strike and civil commotion is in your quote. The IC standard Private Car Policy (official source) excludes it 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.

PhilFirst Insurance contact

Hotline
(02) 8892-8888
Email
claims@philfirst.com.ph
Address
7/F STI Holdings Center Bldg., 6764 Ayala Ave., Makati City 1226

About PhilFirst Insurance

Group
PFI Group (PhilFirst, PhilLife, PhilCare, PhilPlans)
Insurer's stated claims time
Typically 7 to 15 working days, depending on how complete the documents are and on the assessment (PhilFirst's own FAQ)

PhilFirst Insurance questions

Is PhilFirst car insurance reliable?

PhilFirst is on the Insurance Commission list of licensed non-life insurers as of 31 August 2026 (official source) and belongs to the PFI Group.

AutoFirst bundles acts of nature, cashless repairs and 24/7 roadside assistance, and PhilFirst states a 7 to 15 working day claim time. See how that compares in the car insurance directory.

How long does a PhilFirst claim take?

PhilFirst states that claims typically take 7 to 15 working days, in the FAQ on its AutoFirst page (official source). The time depends on how complete your documents are and on the assessment, so send the full list in one go.

How much is PhilFirst AutoFirst?

PhilFirst prices AutoFirst on the make, model and year, the car's fair market value, private or commercial use, the driver and the claims history. Request a figure through the quote form, and test it in the premium calculator.

Without the two add-ons, injury claims above the CTPL limit of ₱200,000 and any damage to another person's property are yours to pay.

Who gets PhilFirst roadside assistance?

Private cars up to 10 years old and up to 3,500 kg. A car past 10 years does not qualify for these services.

They include towing, on-site repairs, tire change, battery boost, lockout help and fuel delivery, plus a hotel stay of up to 2 nights. The roadside assistance guide compares other insurers.

What does AutoFirst not cover?

Driving without a valid licence, intentional damage, mechanical or electrical breakdown and illegal use. The own damage guide explains what own damage pays for.

How do I file a claim with PhilFirst?

Tell your agent or email claims@philfirst.com.ph right away. Then send the claim form, policy, ID, OR/CR, licence, repair estimate and photos showing the plate and the damage together.

Sources

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