Comprehensive

Asia United Insurance Comprehensive Car Insurance

Asia United Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱15,000/year. With over 141 accredited repair shops and 12 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 10 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱2 million.

Annual Premium

₱15,000–₱49,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Riot, strike, and civil commotion coverage

Personal accident coverage for driver and up to 13 passengers

Emergency medical reimbursement up to ₱487,000

Loss of use allowance of ₱500/day for up to 20 days

No-claim discount of up to 14% on renewal

Acts of Nature coverage (typhoon, flood, earthquake)

Claims Process

Filing a claim with Asia United Insurance involves 5 steps. First, report the incident within 24 hours by calling (02) 8179-8571 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 11 business days after approval.

Pros & Cons

Advantages

Partners with 15+ hospitals for personal accident claims
Provides courtesy car for up to 10 days during repairs
Flexible payment options including GCash and Maya
Online policy management and renewal portal available
Offers no-claim discount of up to 26% after 1 year

Drawbacks

Requires minimum 3 repair shop quotes for claims above ₱133,000
Customer service wait times average 19 minutes during peak
Limited provincial branch coverage outside Metro Manila (12 offices)
Online portal lacks some features available in-app only

Frequently Asked Questions

What vehicles does Asia United Insurance not cover?

Asia United Insurance does not cover vehicles older than 17 years, those with salvage titles, or vehicles used for racing. Commercial vehicles above 8 tons require a separate commercial policy. Modified vehicles need prior approval and may carry a 26% surcharge.

How long does Asia United Insurance take to process claims?

Asia United Insurance processes standard claims within 6 business days from submission of complete documents. Major claims involving third parties may take up to 30 days. You can track your claim status through their online portal.

How do I file a claim with Asia United Insurance?

To file a claim with Asia United Insurance, call their 24/7 hotline within 6 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.

What is the minimum premium for Asia United Insurance?

The minimum annual premium for Asia United Insurance starts at ₱100,000 for basic plans. This rate applies to vehicles valued under ₱666,000. Additional coverage options may increase the total premium.

Does Asia United Insurance offer a no-claim discount?

Asia United Insurance provides a no-claim discount of up to 17% when you renew without any claims in the previous year. This discount applies to the base premium and can accumulate for up to 9 consecutive claim-free years. The maximum cumulative discount reaches 49%.

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