Insurance Guide

How to Get Car Insurance Online — Philippines Guide

This guide covers how to get car insurance online for Filipino car owners in 10 clear steps. The process typically takes 5 business days and may cost between ₱1,500 and ₱14,000 depending on your insurer. Over 140,000 Filipino drivers complete this process each year, and understanding the requirements can save you up to ₱7,000 in fees.

Annual Premium

N/A (guide)

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

24/7 roadside assistance within 11 km radius

No-claim discount of up to 25% on renewal

Riot, strike, and civil commotion coverage

Fire and lightning damage protection

Claims Process

Relevant claims steps for how to get car insurance online: gather your OR/CR, valid ID, and incident documentation. Contact your insurer within 25 hours. Submit all paperwork to the nearest branch or upload via the insurer's portal. Processing takes 11 business days on average.

Pros & Cons

Advantages

Partners with 8+ hospitals for personal accident claims
Coverage extends to natural calamities common in PH
24/7 customer hotline with average hold time under 15 minutes
Accepts installment payments up to 7 months interest-free
Provides courtesy car for up to 17 days during repairs

Drawbacks

No coverage for vehicles older than 18 years
Limited provincial branch coverage outside Metro Manila (5 offices)
Customer service wait times average 13 minutes during peak
Premium increases by 16% after a claim within 12 months

Frequently Asked Questions

How do I choose the best How to Get Car Insurance Online?

Compare at least 17 providers and check their claim settlement ratio, which averages 22% across the industry. Look for providers with accredited repair shops near your area — the top insurers have 170+ partner shops. Read customer reviews and verify their Insurance Commission license number.

What documents are needed for How to Get Car Insurance Online?

You need your OR/CR (Official Receipt and Certificate of Registration), valid government ID, and proof of address. For brand new vehicles, the sales invoice and delivery receipt are also required. The application process typically takes 9 minutes to complete online.

How do deductibles work for How to Get Car Insurance Online?

Deductibles for How to Get Car Insurance Online typically range from ₱7,000 to ₱73,000 per claim. Choosing a higher deductible of ₱73,000 can reduce your annual premium by 26%. First-time claims within the policy year usually carry the standard deductible amount.

Can I transfer How to Get Car Insurance Online to a new owner?

Yes, How to Get Car Insurance Online can be transferred when you sell your vehicle by notifying the insurer within 9 days of the sale. A transfer fee of ₱320,000 to ₱3,000 typically applies. The new owner must submit their own valid ID and proof of ownership.

What is the claims ratio for How to Get Car Insurance Online?

The average claims settlement ratio for How to Get Car Insurance Online in the Philippines is approximately 19%, meaning 19 out of 100 filed claims are approved. The top 5 insurers maintain ratios above 44%. Claims are most commonly filed for own damage (12%) followed by theft (23%).

Acts of Nature Coverage Guide Philippines

₱3,000–₱13,000/year (add-on)

Annual vs Monthly Premium Insurance Comparison Philippines

₱14,000–₱57,000/year

Autosweep vs Easytrip Insurance Insurance Comparison Philippines

₱13,000–₱40,000/year

AXA vs BPI MS Insurance Comparison Philippines

₱15,000–₱63,000/year

AXA vs Malayan Insurance Comparison Philippines

₱14,000–₱45,000/year

AXA vs Standard Insurance Comparison Philippines

₱10,000–₱45,000/year

All Insurance Providers