Insurance Guide

How to Get a Certificate of No Claims — Philippines Guide

This guide covers how to get a certificate of no claims for Filipino car owners in 9 clear steps. The process typically takes 2 business days and may cost between ₱500 and ₱10,000 depending on your insurer. Over 277,000 Filipino drivers complete this process each year, and understanding the requirements can save you up to ₱5,000 in fees.

Annual Premium

N/A (guide)

Coverage Items

Pros / Cons

5 / 4

Coverage Highlights

Emergency medical reimbursement up to ₱211,000

Fire and lightning damage protection

Authorized repair shops across 11 locations nationwide

24/7 roadside assistance within 8 km radius

Claims Process

Relevant claims steps for how to get a certificate of no claims: gather your OR/CR, valid ID, and incident documentation. Contact your insurer within 12 hours. Submit all paperwork to the nearest branch or upload via the insurer's portal. Processing takes 6 business days on average.

Pros & Cons

Advantages

Mobile app available for iOS and Android with claims tracking
Quick approval for minor claims under ₱296,000
Online policy management and renewal portal available
Flexible payment options including GCash and Maya
Dedicated relationship manager for policies above ₱208,000

Drawbacks

Processing time can reach 16 days for major claims
Depreciation rate of 13% per year on vehicle valuation
Requires minimum 3 repair shop quotes for claims above ₱313,000
Customer service wait times average 16 minutes during peak

Frequently Asked Questions

What is the claims ratio for How to Get a Certificate of No Claims?

The average claims settlement ratio for How to Get a Certificate of No Claims in the Philippines is approximately 18%, meaning 18 out of 100 filed claims are approved. The top 5 insurers maintain ratios above 40%. Claims are most commonly filed for own damage (13%) followed by theft (26%).

How do I choose the best How to Get a Certificate of No Claims?

Compare at least 9 providers and check their claim settlement ratio, which averages 15% across the industry. Look for providers with accredited repair shops near your area — the top insurers have 252+ partner shops. Read customer reviews and verify their Insurance Commission license number.

Is How to Get a Certificate of No Claims required by Philippine law?

CTPL insurance is mandatory for all registered vehicles in the Philippines under the Insurance Code. How to Get a Certificate of No Claims beyond CTPL is optional but highly recommended given that over 12% of Filipino car owners opt for additional protection. The Insurance Commission regulates all auto insurance products.

Can I transfer How to Get a Certificate of No Claims to a new owner?

Yes, How to Get a Certificate of No Claims can be transferred when you sell your vehicle by notifying the insurer within 13 days of the sale. A transfer fee of ₱396,000 to ₱4,000 typically applies. The new owner must submit their own valid ID and proof of ownership.

How do deductibles work for How to Get a Certificate of No Claims?

Deductibles for How to Get a Certificate of No Claims typically range from ₱12,000 to ₱52,000 per claim. Choosing a higher deductible of ₱52,000 can reduce your annual premium by 22%. First-time claims within the policy year usually carry the standard deductible amount.

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