Comprehensive

Asia Insurance Philippines Comprehensive Car Insurance

Asia Insurance Philippines offers comprehensive auto insurance plans in the Philippines starting at ₱17,000/year. With over 238 accredited repair shops and 39 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 13 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱7 million.

Annual Premium

₱17,000–₱57,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Personal accident coverage for driver and up to 14 passengers

Excess bodily injury up to ₱230,000

Emergency medical reimbursement up to ₱323,000

Fire and lightning damage protection

Claims Process

Filing a claim with Asia Insurance Philippines involves 4 steps. First, report the incident within 24 hours by calling (02) 8833-8415 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

Claims processing averages 10 business days
Provides courtesy car for up to 15 days during repairs
Quick approval for minor claims under ₱449,000
Partners with 17+ hospitals for personal accident claims
Coverage extends to natural calamities common in PH

Drawbacks

Deductible starts at ₱76,000 for first-time claims
Limited provincial branch coverage outside Metro Manila (5 offices)
Requires minimum 3 repair shop quotes for claims above ₱389,000
Processing time can reach 3 days for major claims

Frequently Asked Questions

Can I pay Asia Insurance Philippines premiums in installments?

Asia Insurance Philippines offers installment payment plans of up to 9 months for annual premiums above ₱383,000. Monthly payments include a small processing fee of 26%. Credit card, bank transfer, GCash, and Maya are accepted.

What is the minimum premium for Asia Insurance Philippines?

The minimum annual premium for Asia Insurance Philippines starts at ₱432,000 for basic plans. This rate applies to vehicles valued under ₱667,000. Additional coverage options may increase the total premium.

What vehicles does Asia Insurance Philippines not cover?

Asia Insurance Philippines does not cover vehicles older than 13 years, those with salvage titles, or vehicles used for racing. Commercial vehicles above 3 tons require a separate commercial policy. Modified vehicles need prior approval and may carry a 22% surcharge.

Does Asia Insurance Philippines cover Acts of Nature?

Yes, Asia Insurance Philippines includes Acts of Nature coverage in their standard plans, protecting against typhoons, floods, and earthquakes. The coverage limit is up to ₱441,000 per incident. This is especially important given the country averages 17 typhoons per year.

How do I file a claim with Asia Insurance Philippines?

To file a claim with Asia Insurance Philippines, call their 24/7 hotline within 7 hours of the incident and submit photos plus a police report within 33 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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