Is theft included in car insurance?

Yes, in a comprehensive policy. Section III of the IC standard wording covers carnapping and parts stolen from the car. CTPL does not cover theft.

Is car theft covered by CTPL?

No. CTPL pays third parties for death and injury caused by your vehicle. Theft needs own damage and theft cover.

What happens if my stolen car is not recovered?

The insurer settles it as a total loss, up to the insured value and less the deductible. You surrender the original CR, OR and keys with the certificate of non-recovery.

Are stolen car parts covered by insurance?

Yes. The IC wording covers unlawful taking of accessories or parts while on the car. Parts depreciation applies on cars over 3 years old.

How long does a stolen car claim take?

The HPG certificate of non-recovery comes 90 days after the report, per Pioneer. After proof of loss and ascertainment, the Insurance Code gives the insurer 30 days to pay.

Are things stolen from inside my car covered?

Not under the standard theft clause. Malayan's FAQ lists personal belongings taken from the vehicle as not covered. Compare add-ons in the insurer directory.

Car Theft Insurance Philippines 2026: Carnapping Claims

In short

Pioneer's 2022 claims requirements sheet (official source)1658981769.pdf) asks owners to report a carnapping to the police and the HPG within 24 hours.

An unrecovered car is settled as a total loss, up to the insured value, once the HPG issues a certificate of non-recovery.

CTPL: Does not cover theft
Comprehensive policy: Covers carnapping and stolen parts (Section III)
Not covered: Theft by your employee or anyone you entrusted the car to
Police report: Immediately (IC standard policy); within 24 hours to police and HPG (Pioneer, 2022 sheet)
Certificate of non-recovery: Issued by the HPG 90 days after the report (Pioneer, 2022 sheet)
Tariff rate: Own damage and theft 1.25% to 3.75% of value (IC tariff, as of 1 January 2015)

Carnapping, stolen parts, belongings: what the theft clause pays

Theft sits in Section III of the IC standard policy, next to collision and fire. The clause covers burglary, housebreaking, carnapping, and "any unlawful taking of the car accessories or any part while thereon".

A stolen car and stolen side mirrors are both claims.

CTPL pays nothing for theft. The cover comes with own damage, and insurers price the two as one rate.

The IC motor tariff (official source) also lists a theft-only cover at 1.00% of value. Choose it only if you accept paying for every collision repair yourself, since theft-only pays nothing for crash damage.

Theft scenarios under the IC standard policy (policies from 1 July 2023)
What was taken	Paid?	Note
The whole car, not recovered	Yes	Settled as a total loss, up to the insured value
The whole car, recovered damaged	Yes	Repairs paid under Section III
Wheels, mirrors, stereo or other parts on the car	Yes	Parts depreciation applies on cars over 3 years old
Bag, laptop or phone left inside	No	Malayan's FAQ excludes personal belongings taken from the car
Car taken by your driver or a borrower	No	Theft by an employee or anyone entrusted with the car is excluded
Any theft, CTPL-only policy	No	CTPL covers third parties only

The entrusted-driver exclusion and the accessories schedule

The theft clause excludes acts "committed by an employee of the insured or any person or persons to whom the covered vehicle has been entrusted".

A hired driver or a friend who drives off with your car is outside theft cover.

The IC form also lists accessories on the schedule with their own values: air conditioning, stereo, mag wheels and others. Declare what you fitted after purchase, since the schedule caps what the insurer pays.

What each insurer covers

Coverage	Alliedbankers Insurance	Alpha Insurance	Asia Insurance Philippines	Asia United Insurance	AXA Philippines	Bethel Insurance	BPI MS	Cibeles Insurance	Cocogen Insurance	Commonwealth Insurance	Corporate Guarantee Insurance	Country Bankers Insurance	FGen Insurance (Fortune General)	FPG Mercantile	Liberty Insurance	Malayan Insurance	Oona Insurance	Pacific Union Insurance	Paramount Insurance	Petrogen Insurance	PGA Sompo	PhilFirst Insurance	Pioneer Insurance	Prudential Guarantee	SGI Philippines	Standard Insurance	Sterling Insurance	Stronghold Insurance	Travellers Insurance
Own damage and theft	Included	Included	Not listed	Included	Included	Included	Included	Included	Included	Included	Included	Included	Included	Included	Not listed	Included	Included	Included	Included	Not listed	Not listed	Included	Included	Included	Included	Included	Included	Included	Included
Excess bodily injury	Included	Not listed	Not listed	Included	Included	Included	Included	Included	Included	Included	Included	Included	Included	Included	Not listed	Included	Included	Included	Included	Not listed	Not listed	Optional	Included	Included	Included	Included	Not listed	Optional	Included
Third-party property damage	Included	Not listed	Not listed	Included	Included	Included	Included	Included	Included	Included	Included	Included	Included	Included	Included	Included	Included	Included	Included	Not listed	Not listed	Optional	Included	Included	Included	Included	Not listed	Optional	Included
Auto personal accident	Included	Included	Not listed	Not listed	Included	Optional	Included	Included	Included	Included	Included	Included	Optional	Included	Not listed	Included	Included	Not listed	Included	Not listed	Not listed	Included	Included	Not listed	Included	Included	Included	Not listed	Optional
Acts of nature	Optional	Not listed	Not listed	Not listed	Optional	Optional	Optional	Not listed	Optional	Not listed	Not listed	Not listed	Optional	Included	Not listed	Not listed	Optional	Optional	Optional	Not listed	Not listed	Included	Optional	Not listed	Included	Not listed	Not listed	Not listed	Optional
Riot, strike and civil commotion	Not listed	Not listed	Not listed	Not listed	Not listed	Not listed	Not listed	Not listed	Not listed	Not listed	Not listed	Not listed	Not listed	Included	Not listed	Included	Optional	Not listed	Not listed	Not listed	Not listed	Not listed	Not listed	Not listed	Not listed	Not listed	Not listed	Not listed	Not listed
Roadside assistance	Included	Included	Not listed	Not listed	Optional	Not listed	Included	Not listed	Included	Not listed	Not listed	Not listed	Not listed	Included	Not listed	Included	Included	Not listed	Not listed	Not listed	Included	Included	Included	Included	Not listed	Included	Not listed	Not listed	Not listed
Loss of use	Not listed	Not listed	Not listed	Not listed	Not listed	Not listed	Not listed	Not listed	Optional	Not listed	Not listed	Not listed	Not listed	Not listed	Not listed	Optional	Optional	Not listed	Not listed	Not listed	Not listed	Not listed	Optional	Not listed	Not listed	Included	Not listed	Not listed	Not listed

How a stolen car is paid out: total loss value and deductible

An unrecovered car is a total loss, so parts depreciation does not apply. The IC wording settles it on the Section III value rules and/or fair market value.

AXA states its own basis: fair market value at the time of loss, less the deductible.

The ceiling is your estimate of value on the schedule, and the 0.50% deductible still comes off. On a car insured at ₱1,200,000, that deductible is 0.50% × ₱1,200,000 = ₱6,000.

Payment is due within 30 days after proof of loss and agreement on the amount, under Insurance Code, Sec. 249 (official source). A financed car names the bank as mortgagee; the car loan insurance rules cover what banks require.

Settlement basis: Section III value rules and/or fair market value
Ceiling: Your estimate of value on the schedule
Deductible: 0.50% of insured value, minimum ₱2,000
Parts depreciation: Does not apply on a total loss
Financed car: Bank named as mortgagee; loan balance certificate needed

Car Theft Insurance in the Philippines (2026): Is Carnapping Covered?

In short

Carnapping, stolen parts, belongings: what the theft clause pays

The entrusted-driver exclusion and the accessories schedule

What each insurer covers

What to do when your car is stolen

How a stolen car is paid out: total loss value and deductible

Questions

Sources

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