Standard Car Insurance

Q: How much is Standard Insurance car insurance?

Standard quotes Car Protect per car, online for private cars or through an adviser, from the car's value. The IC motor tariff puts own damage and theft at 1.25% to 3.75% of value (tariff as of 1 January 2015). Work out your figure in the premium calculator.

Standard Insurance Company, Inc.

By Aditya AmanPublished Oct 3, 2026Editorial PolicyLives in the Philippines and has driven nearly every Luzon expressway with his family.

Standard's private car policy is Car Protect (official source): its brochure sets excess bodily injury and property damage at up to ₱500,000 each and pays a ₱500-a-day transport allowance while the car is in the shop. Car Protect holders get the SIEA roadside programme (official source), towing up to ₱5,500 per event (October 2026), and claims start on the online claim notification form (official source) or (02) 8845-1111. Standard ranked 6th among non-life insurers by 2025 gross premiums (official source) (all lines, unaudited, IC table of 5 February 2026).

Call (02) 8845-1111 Get an online quote Official site

Licensed by the Insurance Commission, Certificate of Authority 2025/05-R, on the IC list of licensed insurers as of 31 August 2026 (official source).

What Standard Insurance sells

Car Protect

Own damage and theft up to the sum insured: collision, overturning, falling, fire, malicious acts of others
Excess bodily injury up to ₱500,000 above CTPL (Car Protect brochure)
Third-party property damage up to ₱500,000 (Car Protect brochure)
Unnamed passenger personal accident
Acts of nature, up to the sum insured
Loss of use: ₱500 a day for up to 15 days, from the 4th day of repairs (Car Protect brochure)
SIEA roadside assistance
Casa repair and automatic technical assistance

CTPL Cover

Third-party death and bodily injury, up to ₱200,000 per IC Memorandum Circular 2024-01
Bought online (official source): ₱610.40 for a 1-year renewal, ₱1,660.40 for a brand-new car's 3 years, private cars including jeeps and AUVs (October 2026 prices)

Motorcycle Protect

Motorcycle insurance

Truck Protect

Truck insurance for business owners

Buy through: Online quote (private cars only), Standard insurance advisers, Standard branches, Dealer partners and drive-in centres.

Standard Insurance coverage at a glance

Own damage and theft: Included. Up to the sum insured.
Excess bodily injury: Included. Up to ₱500,000 on top of CTPL (Car Protect brochure).
Third-party property damage: Included. Up to ₱500,000 (Car Protect brochure).
Auto personal accident: Included. ₱50,000 a person for up to 5 people in a sedan, pick-up or van; ₱100,000 a person for up to 7 in an SUV (Car Protect brochure).
Roadside assistance: Included. SIEA programme (official source), October 2026: towing up to ₱5,500 and minor on-site repair up to ₱5,500 per event, crane removal up to ₱15,000. Cars not for hire, up to 15 years old and 3,500 kg.
Loss of use: Included. ₱500 a day for up to 15 days, from the 4th day of repairs (Car Protect brochure).

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How to file a Standard Insurance claim

Before you notify, have these ready
Your policy, the car's certificate of registration and official receipt, the driver's licence and its official receipt, and photos of the damage and the accident site.
Notify Standard online
Use the claim notification form (official source) and pick Motor Insurance, or call the claims hotline at (02) 8845-1111. The IC standard Private Car Policy (official source) asks for notice as soon as possible, with full details.
Match the report to the accident
Add photos of the damage and the site, and a repair estimate if you have one. Standard's claim requirements page (official source) lists extra sets for carnapping, total loss and third-party vehicle claims.
Send the basic set
Add photos of the damage and the site, and a repair estimate if you have one.
- Certificate of registration and official receipt
- Driver's licence and its official receipt
- Accident report form, affidavit or police report
- Photos of the damage and the accident site
Flood or typhoon damage
An acts of nature claim also needs Standard's AON questionnaire.
Bring IDs at settlement
The payee shows two valid government IDs. A representative needs a special power of attorney.
What a settled claim looks like
Standard agrees the amount, then pays or approves the repair. The Insurance Code, Sec. 249 (official source) requires payment within 30 days after proof of loss is received and the loss is agreed. Standard's own site states no settlement time. If the claim is denied, the IC standard Private Car Policy (official source) asks for mediation first and gives you one year from the denial to sue; a request for reconsideration does not stop that clock.

Documents to have ready

7 of 7 still to gather

Certificate of registration and official receipt
Driver's licence and its official receipt
Motor Accident Report Form, notarized affidavit or police report
Photos of the damage and the accident site
Repair estimate, if available
Original certificate of no claim from the other driver's insurer (third-party vehicle claims)
Two valid government IDs of the payee

Before you buy

Ask whether acts of nature (flood, typhoon, earthquake) and riot, strike and civil commotion are in your quote. The IC standard Private Car Policy (official source) excludes them 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.

Standard Insurance contact

Claims hotline: (02) 8845-1111
Email: teamonline@standard-insurance.com

Standard Insurance questions

How much is Standard Insurance car insurance?

Standard quotes Car Protect per car, online (official source) for private cars or through an adviser, from the car's value. The IC motor tariff (official source) puts own damage and theft at 1.25% to 3.75% of value (tariff as of 1 January 2015).

Work out your figure in the premium calculator.

What does Standard Car Protect cover?

Own damage and theft, excess bodily injury and property damage up to ₱500,000 each, unnamed passenger accident cover, acts of nature and loss of use (Car Protect brochure).

Loss of use pays ₱500 a day for up to 15 days, from the 4th day of repairs.

Does Standard Insurance repair cars at the casa?

Yes. Casa repair is one of the Car Protect value-added services, alongside free accident cover and automatic technical assistance.

Standard also lists dealer partners and drive-in centres under its customer services.

How do I use Standard's roadside assistance?

Call the SIEA hotline at the time of the breakdown, or within 24 hours. Cover starts at 0 km from your home.

For a reimbursement, email the documents to siea@standard-insurance.com within 30 days (Standard customer services (official source), October 2026). More on how roadside programmes work: roadside assistance.

Is Standard Insurance a good insurer?

Standard holds Insurance Commission Certificate of Authority 2025/05-R, on the IC list of 31 August 2026 (official source). It ranked 6th by gross premiums (all non-life lines, 2025, unaudited), three places below Malayan.

Choose Standard if towing and on-site repair limits matter most (₱5,500 each per event); otherwise compare Malayan, whose loss-of-use add-on pays up to ₱1,000 a day.

Can I cancel Standard car insurance and get a refund?

Yes, if you have made no claim in the current policy period.

Under the IC standard Private Car Policy (official source), which every insurer uses for policies issued from 1 July 2023, a cancelling owner is refunded on short-period rates: the insurer keeps 20% of the premium after 1 month, 50% after 4 months and 95% after 11 months.

If you cancel CTPL, a replacement policy must be filed with the LTO within 5 working days. Line up the new cover first: how to switch insurance providers.

Sources

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