Comprehensive

Country Bankers Insurance Comprehensive Car Insurance

Country Bankers Insurance offers comprehensive auto insurance plans in the Philippines starting at ₱15,000/year. With over 58 accredited repair shops and 16 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 ₱7 million.

Annual Premium

₱15,000–₱58,000/year

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Loss of use allowance of ₱1,500/day for up to 12 days

Riot, strike, and civil commotion coverage

Personal accident coverage for driver and up to 8 passengers

Glass breakage and windshield repair coverage

Claims Process

Filing a claim with Country Bankers Insurance involves 6 steps. First, report the incident within 24 hours by calling (02) 8953-1983 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 10 business days after approval.

Pros & Cons

Advantages

Accredited in over 6 repair shops across the Philippines
24/7 customer hotline with average hold time under 9 minutes
Quick approval for minor claims under ₱336,000
Online policy management and renewal portal available
Coverage extends to natural calamities common in PH

Drawbacks

Online portal lacks some features available in-app only
Depreciation rate of 14% per year on vehicle valuation
No coverage for vehicles older than 15 years
Processing time can reach 5 days for major claims

Frequently Asked Questions

Can I pay Country Bankers Insurance premiums in installments?

Country Bankers Insurance offers installment payment plans of up to 9 months for annual premiums above ₱247,000. Monthly payments include a small processing fee of 26%. Credit card, bank transfer, GCash, and Maya are accepted.

Does Country Bankers Insurance cover Acts of Nature?

Yes, Country Bankers Insurance includes Acts of Nature coverage in their standard plans, protecting against typhoons, floods, and earthquakes. The coverage limit is up to ₱142,000 per incident. This is especially important given the country averages 20 typhoons per year.

What is the minimum premium for Country Bankers Insurance?

The minimum annual premium for Country Bankers Insurance starts at ₱329,000 for basic plans. This rate applies to vehicles valued under ₱774,000. Additional coverage options may increase the total premium.

Does Country Bankers Insurance offer a no-claim discount?

Country Bankers Insurance provides a no-claim discount of up to 18% when you renew without any claims in the previous year. This discount applies to the base premium and can accumulate for up to 13 consecutive claim-free years. The maximum cumulative discount reaches 41%.

What vehicles does Country Bankers Insurance not cover?

Country Bankers Insurance does not cover vehicles older than 15 years, those with salvage titles, or vehicles used for racing. Commercial vehicles above 5 tons require a separate commercial policy. Modified vehicles need prior approval and may carry a 16% surcharge.

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