Comprehensive

Alpha Insurance Comprehensive Car Insurance

Alpha Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱12,000/year. With over 157 accredited repair shops and 31 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 ₱7 million.

Annual Premium

₱12,000–₱44,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Acts of Nature coverage (typhoon, flood, earthquake)

Emergency medical reimbursement up to ₱448,000

No-claim discount of up to 17% on renewal

Fire and lightning damage protection

Bodily injury liability up to ₱201,000 per person

Free towing up to ₱210,000 per incident

Claims Process

Filing a claim with Alpha Insurance involves 5 steps. First, report the incident within 24 hours by calling (02) 8915-8171 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 10 business days after approval.

Pros & Cons

Advantages

Provides courtesy car for up to 13 days during repairs
Free annual vehicle inspection at partner service centers
Partners with 17+ hospitals for personal accident claims
Claims processing averages 7 business days
24/7 customer hotline with average hold time under 3 minutes

Drawbacks

Excess coverage requires separate add-on costing ₱422,000/year
Premium increases by 30% after a claim within 12 months
Depreciation rate of 17% per year on vehicle valuation
Requires minimum 3 repair shop quotes for claims above ₱256,000

Frequently Asked Questions

Does Alpha Insurance cover Acts of Nature?

Yes, Alpha Insurance includes Acts of Nature coverage in their standard plans, protecting against typhoons, floods, and earthquakes. The coverage limit is up to ₱385,000 per incident. This is especially important given the country averages 17 typhoons per year.

What is the minimum premium for Alpha Insurance?

The minimum annual premium for Alpha Insurance starts at ₱474,000 for basic plans. This rate applies to vehicles valued under ₱491,000. Additional coverage options may increase the total premium.

Can I pay Alpha Insurance premiums in installments?

Alpha Insurance offers installment payment plans of up to 9 months for annual premiums above ₱450,000. Monthly payments include a small processing fee of 13%. Credit card, bank transfer, GCash, and Maya are accepted.

Does Alpha Insurance offer a no-claim discount?

Alpha Insurance provides a no-claim discount of up to 15% when you renew without any claims in the previous year. This discount applies to the base premium and can accumulate for up to 8 consecutive claim-free years. The maximum cumulative discount reaches 29%.

How do I file a claim with Alpha Insurance?

To file a claim with Alpha Insurance, call their 24/7 hotline within 17 hours of the incident and submit photos plus a police report within 34 days. Required documents include your policy number, valid ID, and the official incident report. Claims can also be initiated through their mobile app.

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