Combined Package

Asia United Insurance Combined Insurance (Comprehensive + CTPL)

Asia United Insurance bundles comprehensive and CTPL coverage into a single policy priced from ₱23,000 to ₱61,000/year. This eliminates the need to manage 2 separate policies and saves an average of ₱2,000 compared to buying them individually. The combined plan covers 12 risk categories including own damage, theft, Acts of Nature, and mandatory third-party liability.

Annual Premium

₱23,000–₱61,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Glass breakage and windshield repair coverage

Emergency medical reimbursement up to ₱381,000

24/7 roadside assistance within 17 km radius

Authorized repair shops across 14 locations nationwide

No-claim discount of up to 18% on renewal

Claims Process

Filing a claim with Asia United Insurance involves 5 steps. First, report the incident within 24 hours by calling (02) 8988-9586 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 14 business days after approval.

Pros & Cons

Advantages

Offers no-claim discount of up to 12% after 1 year
Provides courtesy car for up to 3 days during repairs
Flexible payment options including GCash and Maya
Online policy management and renewal portal available
Partners with 6+ hospitals for personal accident claims

Drawbacks

Depreciation rate of 29% per year on vehicle valuation
Excess coverage requires separate add-on costing ₱50,000/year
Premium increases by 30% after a claim within 12 months
Limited provincial branch coverage outside Metro Manila (4 offices)

Frequently Asked Questions

Does Asia United Insurance cover Acts of Nature?

Yes, Asia United Insurance includes Acts of Nature coverage in their standard plans, protecting against typhoons, floods, and earthquakes. The coverage limit is up to ₱255,000 per incident. This is especially important given the country averages 16 typhoons per year.

Does Asia United Insurance offer a no-claim discount?

Asia United Insurance provides a no-claim discount of up to 14% when you renew without any claims in the previous year. This discount applies to the base premium and can accumulate for up to 15 consecutive claim-free years. The maximum cumulative discount reaches 47%.

What is the minimum premium for Asia United Insurance?

The minimum annual premium for Asia United Insurance starts at ₱356,000 for basic plans. This rate applies to vehicles valued under ₱472,000. Additional coverage options may increase the total premium.

Can I pay Asia United Insurance premiums in installments?

Asia United Insurance offers installment payment plans of up to 15 months for annual premiums above ₱322,000. Monthly payments include a small processing fee of 15%. Credit card, bank transfer, GCash, and Maya are accepted.

How do I file a claim with Asia United Insurance?

To file a claim with Asia United Insurance, call their 24/7 hotline within 4 hours of the incident and submit photos plus a police report within 38 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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