Philippines First Insurance Comprehensive Car Insurance
Philippines First Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱17,000/year. With over 298 accredited repair shops and 14 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 9 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱8 million.
Quick Facts
Coverage Type
Comprehensive
Premium Range
₱17,000–₱37,000/year
Coverage Details
- 24/7 roadside assistance within 8 km radius
- Free towing up to ₱413,000 per incident
- Riot, strike, and civil commotion coverage
- Loss of use allowance of ₱2,500/day for up to 18 days
Claims Process
Filing a claim with Philippines First Insurance involves 4 steps. First, report the incident within 24 hours by calling (02) 8692-3174 or through the mobile app. Submit the required documents — police report, photos, and your policy details — within 5 business days. A claims adjuster will inspect the vehicle within 3 business days of document submission. Standard claims are settled within 13 business days after approval.
Pros & Cons
Pros
- Offers no-claim discount of up to 10% after 1 year
- Partners with 19+ hospitals for personal accident claims
- Accredited in over 11 repair shops across the Philippines
- Mobile app available for iOS and Android with claims tracking
- Accepts installment payments up to 12 months interest-free
Cons
- Limited provincial branch coverage outside Metro Manila (6 offices)
- Deductible starts at ₱220,000 for first-time claims
- Customer service wait times average 17 minutes during peak
- Requires minimum 3 repair shop quotes for claims above ₱123,000