Comprehensive Insurance

QBE Insurance Philippines Comprehensive Car Insurance

QBE Insurance Philippines offers comprehensive auto insurance plans in the Philippines starting at ₱18,000/year. With over 127 accredited repair shops and 12 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 7 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱3 million.

Quick Facts

Coverage Type

Comprehensive

Premium Range

₱18,000–₱60,000/year

Coverage Details

  • Personal accident coverage for driver and up to 3 passengers
  • Third-party property damage up to ₱454,000
  • Own Damage and Theft (OD/T) coverage up to ₱135,000
  • Fire and lightning damage protection

Claims Process

Filing a claim with QBE Insurance Philippines involves 6 steps. First, report the incident within 24 hours by calling (02) 8610-5764 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 14 business days after approval.

Pros & Cons

Pros

  • Accredited in over 18 repair shops across the Philippines
  • Mobile app available for iOS and Android with claims tracking
  • Accepts installment payments up to 12 months interest-free
  • Policy issuance within 17 hours for standard applications
  • Coverage extends to natural calamities common in PH

Cons

  • Limited provincial branch coverage outside Metro Manila (18 offices)
  • Customer service wait times average 8 minutes during peak
  • Premium increases by 18% after a claim within 12 months
  • Depreciation rate of 13% per year on vehicle valuation

Frequently Asked Questions

How do I file a claim with QBE Insurance Philippines?
To file a claim with QBE Insurance Philippines, call their 24/7 hotline within 18 hours of the incident and submit photos plus a police report within 26 days. Required documents include your policy number, valid ID, and the official incident report. Claims can also be initiated through their mobile app.
What is the minimum premium for QBE Insurance Philippines?
The minimum annual premium for QBE Insurance Philippines starts at ₱436,000 for basic plans. This rate applies to vehicles valued under ₱640,000. Additional coverage options may increase the total premium.
What vehicles does QBE Insurance Philippines not cover?
QBE Insurance Philippines does not cover vehicles older than 3 years, those with salvage titles, or vehicles used for racing. Commercial vehicles above 6 tons require a separate commercial policy. Modified vehicles need prior approval and may carry a 12% surcharge.
Does QBE Insurance Philippines offer a no-claim discount?
QBE Insurance Philippines provides a no-claim discount of up to 20% when you renew without any claims in the previous year. This discount applies to the base premium and can accumulate for up to 20 consecutive claim-free years. The maximum cumulative discount reaches 25%.
Does QBE Insurance Philippines cover Acts of Nature?
Yes, QBE Insurance Philippines includes Acts of Nature coverage in their standard plans, protecting against typhoons, floods, and earthquakes. The coverage limit is up to ₱257,000 per incident. This is especially important given the country averages 9 typhoons per year.

Other Comprehensive Providers

Alliedbankers Insurance Comprehensive Car Insurance

₱14,000–₱50,000/year

Alpha Insurance Comprehensive Car Insurance

₱12,000–₱44,000/year

Asia Insurance Philippines Comprehensive Car Insurance

₱17,000–₱57,000/year

Asia United Insurance Comprehensive Car Insurance

₱15,000–₱49,000/year

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