Comprehensive

Chubb Insurance Philippines Comprehensive Car Insurance

Chubb Insurance Philippines offers comprehensive auto insurance plans in the Philippines starting at ₱17,000/year. With over 277 accredited repair shops and 22 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 12 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱5 million.

Annual Premium

₱17,000–₱48,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Bodily injury liability up to ₱458,000 per person

Glass breakage and windshield repair coverage

Fire and lightning damage protection

No-claim discount of up to 15% on renewal

24/7 roadside assistance within 14 km radius

Claims Process

Filing a claim with Chubb Insurance Philippines involves 5 steps. First, report the incident within 24 hours by calling (02) 8781-2259 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 12 business days after approval.

Pros & Cons

Advantages

Provides courtesy car for up to 11 days during repairs
Online policy management and renewal portal available
Coverage extends to natural calamities common in PH
24/7 customer hotline with average hold time under 12 minutes
Accepts installment payments up to 6 months interest-free

Drawbacks

Customer service wait times average 5 minutes during peak
Online portal lacks some features available in-app only
Limited provincial branch coverage outside Metro Manila (20 offices)
Processing time can reach 12 days for major claims

Frequently Asked Questions

What vehicles does Chubb Insurance Philippines not cover?

Chubb Insurance Philippines does not cover vehicles older than 8 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 29% surcharge.

What is the minimum premium for Chubb Insurance Philippines?

The minimum annual premium for Chubb Insurance Philippines starts at ₱378,000 for basic plans. This rate applies to vehicles valued under ₱712,000. Additional coverage options may increase the total premium.

Does Chubb Insurance Philippines cover Acts of Nature?

Yes, Chubb Insurance Philippines includes Acts of Nature coverage in their standard plans, protecting against typhoons, floods, and earthquakes. The coverage limit is up to ₱213,000 per incident. This is especially important given the country averages 14 typhoons per year.

How long does Chubb Insurance Philippines take to process claims?

Chubb Insurance Philippines processes standard claims within 8 business days from submission of complete documents. Major claims involving third parties may take up to 25 days. You can track your claim status through their online portal.

How do I file a claim with Chubb Insurance Philippines?

To file a claim with Chubb Insurance Philippines, call their 24/7 hotline within 4 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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