Standard Insurance Comprehensive Car Insurance
Standard Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱19,000/year. With over 184 accredited repair shops and 39 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 12 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱2 million.
Quick Facts
Coverage Type
Comprehensive
Premium Range
₱19,000–₱38,000/year
Coverage Details
- Bodily injury liability up to ₱450,000 per person
- Free towing up to ₱323,000 per incident
- Riot, strike, and civil commotion coverage
- Excess bodily injury up to ₱203,000
- Third-party property damage up to ₱321,000
- Glass breakage and windshield repair coverage
Claims Process
Filing a claim with Standard Insurance involves 6 steps. First, report the incident within 24 hours by calling (02) 8161-2210 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
- Mobile app available for iOS and Android with claims tracking
- 24/7 customer hotline with average hold time under 12 minutes
- Provides courtesy car for up to 4 days during repairs
- Free annual vehicle inspection at partner service centers
- Quick approval for minor claims under ₱67,000
Cons
- Online portal lacks some features available in-app only
- Requires minimum 3 repair shop quotes for claims above ₱165,000
- Processing time can reach 11 days for major claims
- Depreciation rate of 17% per year on vehicle valuation