Sterling Insurance Comprehensive Car Insurance
Sterling Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱19,000/year. With over 109 accredited repair shops and 39 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 6 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱4 million.
Quick Facts
Coverage Type
Comprehensive
Premium Range
₱19,000–₱59,000/year
Coverage Details
- Excess bodily injury up to ₱413,000
- Loss of use allowance of ₱500/day for up to 14 days
- Free towing up to ₱339,000 per incident
- Acts of Nature coverage (typhoon, flood, earthquake)
- Personal accident coverage for driver and up to 7 passengers
- Own Damage and Theft (OD/T) coverage up to ₱452,000
Claims Process
Filing a claim with Sterling Insurance involves 4 steps. First, report the incident within 24 hours by calling (02) 8843-3381 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 6 business days after approval.
Pros & Cons
Pros
- Mobile app available for iOS and Android with claims tracking
- Provides courtesy car for up to 4 days during repairs
- Accepts installment payments up to 19 months interest-free
- Claims processing averages 5 business days
- Partners with 5+ hospitals for personal accident claims
Cons
- Processing time can reach 3 days for major claims
- No coverage for vehicles older than 19 years
- Online portal lacks some features available in-app only
- Customer service wait times average 10 minutes during peak