Towing and Emergency Coverage Guide Philippines
Towing and Emergency coverage protects Filipino car owners against specific losses, with typical limits ranging from ₱260,000 to ₱4,993,000. Approximately 51% of comprehensive policies in the Philippines include towing and emergency protection. The Insurance Commission requires all providers to clearly disclose towing and emergency terms, and 31 major insurers currently offer this as part of their standard or add-on packages.
Quick Facts
Coverage Type
Insurance Guide
Premium Range
₱4,000–₱11,000/year (add-on)
Coverage Details
- Riot, strike, and civil commotion coverage
- Emergency medical reimbursement up to ₱438,000
- Own Damage and Theft (OD/T) coverage up to ₱313,000
- Free towing up to ₱80,000 per incident
Claims Process
Filing a towing and emergency claim requires photographic evidence taken within 24 hours and a police or barangay report. Submit all documents within 5 business days. The insurer's adjuster will assess damages within 7 working days, and approved claims are settled within 14 business days.
Pros & Cons
Pros
- Accepts installment payments up to 7 months interest-free
- Partners with 8+ hospitals for personal accident claims
- Free annual vehicle inspection at partner service centers
- Provides courtesy car for up to 12 days during repairs
- Offers no-claim discount of up to 19% after 1 year
Cons
- Depreciation rate of 13% per year on vehicle valuation
- Online portal lacks some features available in-app only
- No coverage for vehicles older than 5 years
- Premium increases by 27% after a claim within 12 months