Comprehensive Insurance
Standard Insurance
Standard Insurance is one of the most established motor vehicle insurers in the Philippines, known for competitive premiums and efficient claims processing. They offer comprehensive, CTPL, and combined packages with online policy management. Standard Insurance has a strong network of accredited repair shops and offers cashless repair services at partner workshops.
Quick Facts
Coverage Type
Comprehensive
Premium Range
₱12,000 – ₱50,000/year (based on vehicle value)
Coverage Details
- Own damage and theft protection
- Third-party liability coverage
- Acts of nature endorsement available
- Cashless repair at accredited shops
- Online policy management and renewal
- Towing assistance up to 50 km
Claims Process
Report incidents through Standard Insurance's online portal or hotline within 48 hours. Upload photos and police reports digitally. Cashless repairs available at accredited workshops with authorization in 1-2 business days.
Pros & Cons
Pros
- Competitive premiums — typically 10-15% lower than Malayan for similar coverage.
- Online policy management and digital claims filing for convenience.
- Cashless repair services at accredited partner workshops.
- Quick claims authorization within 1-2 business days.
- Easy online renewal process with minimal documentation.
Cons
- Smaller accredited repair shop network compared to Malayan.
- Roadside assistance may not cover all expressway sections.
- Acts of nature coverage requires separate endorsement at additional cost.
- Customer service wait times can be longer during peak claim periods.
Frequently Asked Questions
How much does Standard Insurance car coverage cost?
Standard Insurance premiums range from ₱12,000 to ₱50,000 per year depending on vehicle value, age, and coverage level. They tend to be 10-15% more affordable than larger insurers.
Can I file a claim online with Standard Insurance?
Yes, Standard Insurance offers online claims filing through their portal. Upload photos and documents digitally for faster processing.
Does Standard Insurance offer CTPL?
Yes, Standard Insurance offers standalone CTPL (Compulsory Third-Party Liability) as well as combined CTPL + comprehensive packages.
What is the cashless repair service?
At accredited workshops, Standard Insurance handles billing directly — you pay only the deductible amount, with no upfront out-of-pocket costs for covered repairs.
How long does a Standard Insurance claim take?
Claims authorization typically takes 1-2 business days. Total repair time depends on the workshop, usually 5-14 days.