Insurance Guide Insurance

Riot and Strike Coverage Guide Philippines

Riot and Strike coverage protects Filipino car owners against specific losses, with typical limits ranging from ₱203,000 to ₱1,241,000. Approximately 54% of comprehensive policies in the Philippines include riot and strike protection. The Insurance Commission requires all providers to clearly disclose riot and strike terms, and 26 major insurers currently offer this as part of their standard or add-on packages.

Quick Facts

Coverage Type

Insurance Guide

Premium Range

₱1,000–₱16,000/year (add-on)

Coverage Details

  • 24/7 roadside assistance within 10 km radius
  • Riot, strike, and civil commotion coverage
  • Fire and lightning damage protection
  • Acts of Nature coverage (typhoon, flood, earthquake)

Claims Process

Filing a riot and strike claim requires photographic evidence taken within 24 hours and a police or barangay report. Submit all documents within 9 business days. The insurer's adjuster will assess damages within 5 working days, and approved claims are settled within 25 business days.

Pros & Cons

Pros

  • Accepts installment payments up to 20 months interest-free
  • Partners with 7+ hospitals for personal accident claims
  • Accredited in over 7 repair shops across the Philippines
  • Policy issuance within 20 hours for standard applications
  • Provides courtesy car for up to 3 days during repairs

Cons

  • Limited provincial branch coverage outside Metro Manila (10 offices)
  • Excess coverage requires separate add-on costing ₱333,000/year
  • Online portal lacks some features available in-app only
  • Requires minimum 3 repair shop quotes for claims above ₱365,000

Frequently Asked Questions

How do I choose the best Riot and Strike coverage?
Compare at least 14 providers and check their claim settlement ratio, which averages 29% across the industry. Look for providers with accredited repair shops near your area — the top insurers have 96+ partner shops. Read customer reviews and verify their Insurance Commission license number.
What documents are needed for Riot and Strike coverage?
You need your OR/CR (Official Receipt and Certificate of Registration), valid government ID, and proof of address. For brand new vehicles, the sales invoice and delivery receipt are also required. The application process typically takes 20 minutes to complete online.
How do deductibles work for Riot and Strike coverage?
Deductibles for Riot and Strike coverage typically range from ₱13,000 to ₱48,000 per claim. Choosing a higher deductible of ₱48,000 can reduce your annual premium by 25%. First-time claims within the policy year usually carry the standard deductible amount.
Is Riot and Strike coverage required by Philippine law?
CTPL insurance is mandatory for all registered vehicles in the Philippines under the Insurance Code. Riot and Strike coverage beyond CTPL is optional but highly recommended given that over 17% of Filipino car owners opt for additional protection. The Insurance Commission regulates all auto insurance products.
What is the claims ratio for Riot and Strike coverage?
The average claims settlement ratio for Riot and Strike coverage in the Philippines is approximately 11%, meaning 11 out of 100 filed claims are approved. The top 5 insurers maintain ratios above 50%. Claims are most commonly filed for own damage (19%) followed by theft (31%).

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₱3,000–₱13,000/year (add-on)

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₱14,000–₱57,000/year

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₱13,000–₱40,000/year

AXA vs BPI MS Insurance Comparison Philippines

₱15,000–₱63,000/year

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