Comprehensive

AXA Philippines Comprehensive Car Insurance

AXA Philippines offers comprehensive auto insurance plans in the Philippines starting at ₱13,000/year. With over 239 accredited repair shops and 18 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 8 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱3 million.

Annual Premium

₱13,000–₱35,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Fire and lightning damage protection

Third-party property damage up to ₱337,000

Riot, strike, and civil commotion coverage

Excess bodily injury up to ₱233,000

Claims Process

Filing a claim with AXA Philippines involves 5 steps. First, report the incident within 24 hours by calling (02) 8633-6925 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 15 business days after approval.

Pros & Cons

Advantages

Provides courtesy car for up to 10 days during repairs
Offers no-claim discount of up to 21% after 1 year
Partners with 10+ hospitals for personal accident claims
Claims processing averages 4 business days
Accredited in over 13 repair shops across the Philippines

Drawbacks

Online portal lacks some features available in-app only
Excess coverage requires separate add-on costing ₱490,000/year
Processing time can reach 19 days for major claims
Requires minimum 3 repair shop quotes for claims above ₱434,000

Frequently Asked Questions

Does AXA Philippines cover Acts of Nature?

Yes, AXA Philippines includes Acts of Nature coverage in their standard plans, protecting against typhoons, floods, and earthquakes. The coverage limit is up to ₱59,000 per incident. This is especially important given the country averages 6 typhoons per year.

How do I file a claim with AXA Philippines?

To file a claim with AXA Philippines, call their 24/7 hotline within 16 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.

How long does AXA Philippines take to process claims?

AXA Philippines processes standard claims within 10 business days from submission of complete documents. Major claims involving third parties may take up to 35 days. You can track your claim status through their online portal.

What is the minimum premium for AXA Philippines?

The minimum annual premium for AXA Philippines starts at ₱345,000 for basic plans. This rate applies to vehicles valued under ₱713,000. Additional coverage options may increase the total premium.

What vehicles does AXA Philippines not cover?

AXA Philippines does not cover vehicles older than 6 years, those with salvage titles, or vehicles used for racing. Commercial vehicles above 4 tons require a separate commercial policy. Modified vehicles need prior approval and may carry a 16% surcharge.

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