Comprehensive

Cibeles Insurance Comprehensive Car Insurance

Cibeles Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱12,000/year. With over 59 accredited repair shops and 31 branch offices across Luzon, Visayas, and Mindanao, policyholders can expect claims processing within 11 business days. Plans cover own damage, theft, third-party liability, and Acts of Nature for vehicles valued up to ₱4 million.

Annual Premium

₱12,000–₱64,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Fire and lightning damage protection

24/7 roadside assistance within 18 km radius

Free towing up to ₱381,000 per incident

Emergency medical reimbursement up to ₱381,000

Claims Process

Filing a claim with Cibeles Insurance involves 4 steps. First, report the incident within 24 hours by calling (02) 8705-6886 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

Mobile app available for iOS and Android with claims tracking
Claims processing averages 12 business days
Quick approval for minor claims under ₱222,000
Dedicated relationship manager for policies above ₱324,000
Offers no-claim discount of up to 30% after 1 year

Drawbacks

Premium increases by 13% after a claim within 12 months
Customer service wait times average 13 minutes during peak
Limited provincial branch coverage outside Metro Manila (4 offices)
Depreciation rate of 15% per year on vehicle valuation

Frequently Asked Questions

Does Cibeles Insurance offer a no-claim discount?

Cibeles Insurance provides a no-claim discount of up to 16% when you renew without any claims in the previous year. This discount applies to the base premium and can accumulate for up to 18 consecutive claim-free years. The maximum cumulative discount reaches 33%.

How do I file a claim with Cibeles Insurance?

To file a claim with Cibeles Insurance, call their 24/7 hotline within 10 hours of the incident and submit photos plus a police report within 18 days. Required documents include your policy number, valid ID, and the official incident report. Claims can also be initiated through their mobile app.

Can I pay Cibeles Insurance premiums in installments?

Cibeles Insurance offers installment payment plans of up to 4 months for annual premiums above ₱393,000. Monthly payments include a small processing fee of 30%. Credit card, bank transfer, GCash, and Maya are accepted.

How long does Cibeles Insurance take to process claims?

Cibeles Insurance processes standard claims within 6 business days from submission of complete documents. Major claims involving third parties may take up to 29 days. You can track your claim status through their online portal.

What is the minimum premium for Cibeles Insurance?

The minimum annual premium for Cibeles Insurance starts at ₱162,000 for basic plans. This rate applies to vehicles valued under ₱548,000. Additional coverage options may increase the total premium.

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